Matthew Allen
CEO and Co-Founder of Social Security Advisors ^SM
Founding Partner/Longevity Advisor – Long Term Living Association (LTLA)

Matthew Allen is a Founding Partner/Longevity Advisor of the Long Term Living Association (LTLA) and the Co-Founder and CEO of Social Security Advisors^SM, an innovative advisory firm with a single mission: to help its clients maximize their Social Security benefits. For far too long retirees have been leaving hard-earned Social Security benefits on the table (on average, $120,000 per couple) because of a lack of quality, customized Social Security advice. In working with clients, Mr. Allen realized that there was a major education and advice gap when it came to Social Security. Determined to fill this void, he co-founded Social Security Advisors^SM, a company in which he has helped thousands of seniors maximize their Social Security benefits and avoid costly mistakes when filing. With a goal of revolutionizing retirement planning, the Company delivers its customized Social Security advisory services through its highly-trained team of Social Security specialists. Mr. Allen brings insightful product vision, finance, and leadership skills through Social Security Advisors^SM to his role as Founding Partner/Longevity Advisor of the LTLA, applying the powerful knowledge and expertise he gained from performing countless hours of client-focused research. Mr. Allen is an experienced speaker and presenter with a passion for providing industry-leading information to audiences and the creator of the new course Maximizing Your Social Security produced in conjunction with Weiss Educational Services. Matthew has pursued advanced education in the areas of business, finance, law, and politics, has held the Series 65, Series 25, and Series 21 licenses and certifications, and has been awarded the CFA (Chartered Financial analyst) Institute’s Certificate of Achievement.


Experience and Qualifications
Matthew Allen, Co-Founder and CEO of Social Security Advisors^SM and Founding Partner/Longevity Advisor of the Long Term Living Association (LTLA) has been at the forefront of financial services for over a decade. Mr. Allen is a serial entrepreneur who is driven by a passion for providing industry-leading advice to his clients. He co-founded Social Security Advisors^SM to fill the knowledge gap that challenges individuals when they file for Social Security. At Social Security Advisors^SM, Mr. Allen and his team leverage their expert knowledge to increase their clients’ Social Security benefits and simplify the complex choices that retirees face when considering when to claim their Social Security benefits-in particular, given their unique personal financial circumstances. The result: clients receive their Maximum Social Security Strategy^SM that is simple, straightforward, and customized exclusively for them. In addition to co-founding Social Security Advisors^SM, Mr. Allen also founded The Universal Group of Companies, a private investment firm, in 2004. From 2000 to 2004, Mr. Allen was a NYSE Market Maker with LaBranche & Co., a Fortune 500 New York Stock Exchange firm. During his tenure, Matthew was responsible for a variety of collaborative responsibilities including: investment analysis, economic analysis, and equities and fixed-income trading. In conjunction with his associates at LaBranche, Matthew actively participated as a market maker in several of the largest NYSE-listed equity and fixed-income securities including, but not limited to: American Express, Inc., Merck & Co., Inc., Altria Group, Inc., Morgan Stanley, The Gap Inc., and SBC Communications, Inc.

Select Experience

• Social Security Advisors – Co-Founder and CEO
• Universal Group of Companies, LLC – Founder, chairman, CEO
• LaBranche & Co. – NYSE Market Maker

Professional and Community Affiliations and Activities

• Long Term Living Association (LTLA) – Founding Member/Longevity Advisor

Speaking Engagements and Published Works

• An experienced speaker and presenter who provides industry-leading information to retirement and other audiences
• Creator Maximizing Your Social Security in conjunction with Weiss Educational Services

Awards and Certifications

• Series 65, Series 25, and Series 21 licenses and certifications
• Awarded the CFA Institute’s Certificate of Achievement

Education

• Autodidactic curriculum in Business, Finance, Law and Politics

Bob Chittenden
Founder – AIP Mobility Plus Solutions
Founding Partner/Longevity Advisor – Long Term Living Association (LTLA)

Bob Chittenden’s understanding of how important it is for seniors to live safely and independently in the home and community they love inspired him to found AIP Mobility Plus Solutions. AIP is a local home mobility and accessibility solutions expert providing aging-in-place products for home and business.

A few years ago, Mr. Chittenden’s mother had a heart attack, and he worked to find a way to enable her to recover and continue to live independently on her own home. The experience made it crystal clear to him that seniors need access to home modification solutions that allow them to age in place and to live and make decisions on their own terms. And so, AIP was born with the mission to provide quality of life and happiness for seniors by giving them the home independence they want and need with one phone call. An added benefit and differentiator from its competitors: The company provides one-stop shopping with written personalized home assessments, that identify customized solutions for the construction/installation of home safety modification products—all completed efficiently and quickly through AIP Mobility Plus.

Mr. Chittenden and his partner, John Villoresi, a licensed general contractor with the State of New Jersey, are CAPS (Certified Aging in Place Specialist), a certification awarded by the National Association of Homebuilders (NAHB) Their home modification solutions are CMS (Centers for Medicare and Medicaid Services) compliant.

A Mendham resident, Mr. Chittenden is a graduate of a culinary school in New York and owned a catering business for several years before a long successful sales career in the clinical and anatomic pathology field.

Experience and Qualifications

Robert Chittenden is a health care professional who has spent the majority of his career as a sales executive working for clinical laboratory service provider organizations. The work enabled him to build relationships with many physicians and observe the ways he could:

• Provide the support they need to screen their patients for social determinants of health
• Identify community-based resources to help them
• Work with patients to develop an action plan that encompasses social and home based needs to help them overcome health risks and improve outcomes

Also, as a result of his personal experiences, Mr. Chittenden developed a deep respect for the desire of older individuals to age in place. The option is typically a significant cost savings for seniors who face the alternative of transitioning to an assisted living or nursing home facility. As importantly, enabling seniors to stay in the home and community they love, most often leads to their enhanced quality of life. His founding of AIP Mobility Plus Solutions is the fulfillment of his goal to help seniors achieve independence as they age in place and live life on their own terms.

Select Experience

• Quest Laboratories
• Ameripath Laboratories
• Cancer Genetics

Professional Community Affiliations and Activities

• Passion for coaching youth sports
• Speaking Engagements and Published Works
• Experienced medical industry sales events and meetings

Education

• The New York Restaurant School
• Studied at Thomas Edison State College

Elaine Fernando
Founder – Organized Transitions LLC^®
Founding Advisor – Long Term Living Association (LTLA)

Elaine Fernando understands that for seniors a late life move is tough stuff. It represents moving their lives not just their things—especially when the transition involves leaving their long-time home. A former Wall Streeter with strong project management skills and a person with heart, compassion and understanding, Ms. Fernando is the perfect person to help seniors make such a move. She started Organized Transitions^® five years ago and has never looked back. She’s found her passion which starts with looking into a senior’s heart and soul and listening, hearing and understanding them. With respect for their ideas and their belongings, her goal is to make the transition to their new life passage gentle, not overwhelming—and above all, always with the reassurance they are in control of the many decisions they must make throughout the process.

A Fanwood, New Jersey resident, Ms. Fernando serves in leadership roles in several business organizations and is very active in her church. She earned her Master’s degree in Finance from Columbia University.

Experience and Qualifications

Elaine Fernando spent 25 years working as a project manager in investment banking before transitioning to her work helping seniors relocate and assisting individuals and businesses get organized. She’s adamant that attention to systems and processes gives individuals a solid sense of control and enables them to function more efficiently in life and at work. She’ll remind you that life still continues even when one is faced with a crisis or illness. Helping people create the systems to manage their lives during this period allows them the time and focus to recover, heal or regroup. That said, she assists her clients to develop and work within a systemized framework so that they are empowered to take control as time goes on and their personal situation improves.

A person of deep faith, Ms. Fernando has the sensibility to gentle her clients into a new life passage and foster their empowerment so that they move forward on solid footing. The combination of organizational expertise and spiritual commitment makes her an incredible mentor and partner for individuals in transition or those who need to bolster their organizational skills to enhance their productivity and overall self-management.

Select Experience

• Baring Securities (now ING)
• Swiss Bank (now UBS)
• Deutsche Bank
• Morgan Stanley
• Citigroup
• Bank of America

Speaking Engagements and Published Works

• Frequent graduate school speaker on topics such as careers for women in international investment banking
• A guest speaker in many business and other organizations on an array of topics: photo organizing, residential and business organizing, managing a move, networking and net profit analysis

Professional and Community Affiliations and Activities

• National Association of Senior Move Managers (NASMM), National Association of Productivity and Organizing Professionals (NAPO), BNI
• Active member of St. Bartholomew’s Scotch Plains and Singles Ministry Head of an Archdiocese in Newark, N.J.

Education

• Master’s degree in Finance from Columbia University

Co-founder Adult Care Advisors
Founding Partner/Longevity Advisor – The Long Term Living Association (LTLA)

Dina Frauwirth’s passion for engaging the elderly and empowering them to make their own choices motivated her to found Adult Care Advisors in 2009 with Co-Partner Carol Katz. The company serves clients and families in need of advice about senior care in the tristate region and provides guidance through placement, facilitating smooth transitions into assisted living, continuing care communities and nursing homes. The company has helped over 2,500 families find appropriate care options that align with their want and needs. She has served as a senior care consultant on WOR IHeart radio and been published in Change Your Attitude Change Your Life Magazine. Prior to founding Adult Care Advisors, Ms. Katz held senior positions in skilled nursing homes in New York. Ms. Frauwirth studied Gerontology at the University of Wisconsin-Madison and is a Certified Senior Advisor and a Hoarding Disorder Specialist.

Experience and Qualifications
Dina Frauwirth, Co-founder Adult Care Advisors and Founding Member/Longevity Advisor of the Long Term Living Association (LTLA), is committed to improving the quality of life for seniors, in particular, those who are in nursing homes. Ms. Frauwirth has done just that and over the past two decades, she improved the conditions for patients at nursing homes and assisted living communities, spent countless hours nurturing Alzheimer’s patients and developed plans to allow seniors to live fulfilling lives. In 2009, her commitment to the dignity of the elderly population motivated her to found Adult Care Advisors with her partner, Carol Katz. The company serves clients and families in need of advice about senior care in the tristate region and provides guidance through placement, facilitating smooth transitions into assisted living, continuing care communities and nursing homes. Adult Care Advisors has helped over 2,500 families find appropriate care options that align with their wants and needs. In addition, Ms. Frauwirth has served as a senior care consultant on WOR IHeart radio and been published in Change Your Attitude Change Your Life Magazine. Prior to founding Adult Care Advisors, Ms. Katz held senior positions in skilled nursing homes in New York. Ms. Frauwirth studied Gerontology at the University of Wisconsin-Madison and is a Certified Senior Advisor and a Hoarding Disorder Specialist.

Select Experience

• Adult Care Advisors – Co-founder
• Nursing Homes in New York State – Senior Positions

Professional and Community Affiliations and Activities

• Long Term Living Association – Founding Member/Longevity Advisor

Speaking Engagements and Published Works

• iHeart Radio speaking on topics relevant to senior living and care
• Published in Change Your Attitude Change Your Life Magazine

Education

• Bachelor of Science in Gerontology – University of Wisconsin

Founder/CEO – Healthlink Advocates, Inc.
Founding Partner/Longevity Advisors – Long Term Living Association (LTLA)

Lorie Gardner, CEO of Healthlink Advocates, Inc. and Founding Partner/Longevity Advisor of the Long Term Living Association (LTLA), founded Healthlink Advocates in 2010, upon identifying the need for individuals and companies to have a seasoned professional assist and guide them in navigating the healthcare system in times of illness and when aging to avoid poor decision-making, duplication of tests, medical oversights and mistakes, higher costs, and stress. Ms. Gardner is also one of the first professionals to be nationally board certified as a Health & Wellness Coach and provides expert health and wellness coaching to individuals and companies seeking to improve health outcomes and attain higher life functioning. She is a graduate of Niagara University where she earned her Bachelor of Science in Nursing.

Experience and Qualifications
Lorie Gardner, Founder and CEO of HealthLink Advocates, Inc. and Founding Partner/Longevity Advisor of the Long Term Living Association, has more than 35 years of experience as a Licensed Registered Nurse and business executive, including many varied professional experiences in both hospitals and healthcare businesses. This vast experience in the health care field taught her that there is a need for individuals and companies to have the assistance and guidance of a seasoned professional to navigate the healthcare system in times of illness and when aging to avoid poor decision-making, duplication of tests, medical oversights and mistakes, higher costs, and stress. Through HealthLink Advocates, Ms. Gardner provides one-on-one personalized support and in-depth education on illness and treatment options to ensure that patients are equipped with the knowledge and support necessary to make good medical decisions and obtain optimal care. HealthLink Advocates promotes patient-centered care and provides a “strong voice” to coordinate medical care during times of illness and hospitalizations, as well as when handling elder care issues. Ms. Gardner is also one of the first professionals to be nationally board certified as a Health & Wellness Coach and provides expert health and wellness coaching to individuals and companies seeking to improve health outcomes and attain higher life functioning. Prior to starting HealthLink Advocates in 2010, she managed clinical trials for Pfizer Pharmaceuticals, Howmedica and Stryker Orthopaedics. Ms. Gardner began her career at NYU Medical Center as a nurse. She is a graduate of Niagara University where she earned a Bachelor of Science in Nursing.

Select Experience

• HealthLink Advocates, Inc. – Founder and CEO
• Stryker Orthopaedics – Clinical Study Manager Consultant
• Howmedica, Division of Pfizer Hospital – Products Group, Clinical Operations Manager
• Howmedica, Division of Pfizer Hospital – Clinical Research Scientist

Professional and Community Affiliations/Certifications Activities and Awards

• Member of National Association of Healthcare Advocacy Consultants
• Member of the Alliance of Professional Health Advocates
• Morristown Chamber of Commerce – Chairwoman of the Health and Wellness Committee
• St. Patrick’s Church – Coordinator Parish Nurse Program
• Green Hill Senior Living Community – Trustee

Licenses and Certifications

• New York State RN License #319245
• New Jersey State RN License #26NR11873900
• Certified Parish Nurse
• Certified Private Healthcare Advocate
• Certified Wellness Coach
• National Board Certified Heath & Wellness Coach (NBC-HWC) sponsored by International Consortium of Health & Wellness Coaches

Speaking Engagements and Published Works

• Guest speaker on New York’s WOR710 radio and iheartradio
• The Empowered Healthcare Consumer – Knowledge on How to Navigate Your Insurance and Medical Bills
• Staying Safe and Sound in the Hospital – What You Need to Know Before a Hospitalization to Avoid Hospital Hazards
• Taking Charge and Aging Gracefully – Information on Important Elder Care Topics
• The Importance of Overall Wellbeing – Innovative Approach to Achieving Wellbeing
  Resiliency, Focus and Our Healthcare System

Education

• Niagara University – Bachelor of Science in Nursing

Hearing Instrument Specialist – American Hearing Centers
Founding Member/Longevity Advisor – Long Term Living Association (LTLA)

Naama Hadar is a Hearing Instrument Specialist and a Founding Member/Longevity Advisor for the Long Term Living Association (LTLA). Ms. Hadar became a New Jersey State Licensed Hearing Instrument Specialist in 2014. Knowledgeable in the many technologies that are available to patients today, Ms. Hadar is committed to leading hearing impaired patients to better hearing. She strives to educate both her patients and their families about the benefits of today’s cutting-edge hearing technology. Ms. Hadar graduated from Rutgers University with a Bachelor of Science degree in Business and subsequently earned an Advanced RN degree to become a Registered Nurse. She lives in Randolph, New Jersey, with her husband and four children.

Qualifications and Experience
Naama Hadar is a Hearing Instrument Specialist and a Founding Member/Longevity Advisor for the Long Term Living Association (LTLA). Ms. Hadar became a New Jersey State Licensed Hearing Instrument Specialist in 2014. Knowledgeable in the many technologies that are available to patients today, Ms. Hadar is committed to leading hearing impaired patients to better hearing. She strives to educate both her patients and their families about the benefits of today’s cutting-edge hearing technology and believes that patients should willingly take advantage of the innovative technology that was not available to individuals in the past. Ms. Hadar graduated from Rutgers University with a Bachelor of Science degree in Business and subsequently earned an Advanced RN degree to become a Registered Nurse.

Select Experience
American Hearing Centers – Hearing Instrument Specialist

Certifications
New Jersey State Licensed Hearing Instrument Specialist

Education
Rutgers University – Bachelor of Science in Business
Advanced RN degree

Psychotherapist LCSW – North Jersey Health & Wellness
Founding Member/Longevity Advisor – Long Term Living Association (LTLA)

Erin Hedinger is a Psychotherapist and Social Worker (LCSW) at North Jersey Health & Wellness and a Founding Member/Longevity Advisor for the Long Term Living Association (LTLA). Ms. Hedinger uses psychotherapy to treat and address mood, depression, anxiety disorders, bereavement, aging and life transition issues. She works with clients to develop life paths that better align with their values to infuse their lives with a greater sense of meaning. Ms. Hedinger earned her Masters of Social Work with Honors from Rutgers University and her Bachelor of Arts degree with a Major in Religious Studies and a Minor in Human Services from Elon University. In her down time, she enjoys spending time with family and friends, writing, reading, hiking and outdoor adventures.

Experience and Qualifications
Erin Hedinger is a Psychotherapist and Social Worker who uses psychotherapy to treat and address mood, depression, anxiety disorders, bereavement, aging and life transition issues. Previously, Ms. Hedinger worked as a Psychotherapist LSW/LCSW at the Debra Simon Center for Integrative Medicine, Hackensack University Medical Center. Ms. Hedinger’s counseling carves a safe and compassionate environment which permits clients to navigate, identify and define values and desires. She earned her Masters of Social Work with Honors from Rutgers University and her Bachelor of Arts degree with a Major in Religious Studies and a Minor in Human Services from Elon University.

Selected Work Experience

• North Jersey Health & Wellness – Psychotherapist & Office Coordinator, Florham Park, NJ
• Debra Simon Center for Integrative Medicine, Hackensack University Medical Center, Hackensack, NJ

Professional and Community Affiliations and Activities

• Long Term Living Association – Founding Member/Longevity Advisor

Licenses and Certifications

• Licensed Social Worker State of New Jersey, Board of Social Work Examiners – 2013
• Amherst Writer’s and Artist’s Method Training – Non-profit, international arts organization and network of writing workshop leaders – 2016
• Grief Training Good Grief, Inc., Morristown, NJ – 2014
• Certificate in Aging Rutgers School of Social Work – 2013
• Certified Holistic Health
• Coach Institute of Integrative Nutrition – 2012

Education

• Rutgers University
• School of Social Work – Masters of Social Work with Honors
• Elon University – Bachelor of Arts with a Major in Religious Studies and a Minor in Human Services

Jo-Anne Johnson, Senior Real Estate Specialist
Co-Founder – Boomers Plus, a division of REMAX American Dream
Founding Partner/Longevity Advisor – Long Term Living Association (LTLA)

Jo-Ann Johnson, a Senior Real Estate Specialist, capitalized on her years selling and managing traditional real estate offices and her work in Executive Relocation and Real Estate for AT&T and Lucent to co-found Boomers Plus, a concierge agency serving the real estate needs of maturing New Jersey residents. Her personal experience helping her parents through two moves following their early retirement showed her how much she enjoyed working with the senior population. This combined with the knowledge she gained through specialized training and her designation as Senior Real Estate Specialist gives her a keen understanding of the life-changing experience clients face when they transition to a new lifestyle in their preretirement and retirement years and makes her a wonderful complement to the Long Term Living Association’s (LTLA) Founding Partner/Longevity Advisor Team. A tenacious professional, Ms. Johnson joins her partners at Boomer Plus in nurturing client relationships, fostering the client experience and providing clients access to a variety of living options to determine what best meets their needs. Ms. Johnson earned an AT&T Master of Business Administration degree from Wharton School of Business and her Bachelor of Arts degree from Fairleigh Dickinson University. 

Experience and Qualifications

Senior Real Estate Specialist Jo-Anne Johnson is a Co-founder of Boomer Plus, a division of REMAX American Dream that takes a concierge approach to serving the real estate needs of maturing New Jersey residents. A Founding Partner/Longevity Advisor of the Long Term Living Association (LTLA), Ms. Johnson has received specialized training and earned the National Association of Realtors designation as a Senor Real Estate Specialist (SRES), a certification that complements her many years of successful experience helping buyers and sellers. Boomers Plus is an authority for a variety of living options that fulfill the wants and needs of the preretirement and retirement population. Also, the company maintains a national network of other highly respected realtor specialists with whom it collaborates when a client chooses to move from the northern New Jersey area. In addition, to meet the broad spectrum of clients’ needs, Ms. Johnson and her colleagues draw from a broad resource network of attorneys, accountants, insurance providers, financial advisors mortgage consultants and appraisers. They also offer recommendations for landscapers, carpenters, movers, cleaning services, estate sale companies, home stagers and other service providers to assist clients in preparing for a house sale or move. Ms. Johnson is a member of the New Jersey Association of Realtors Circle of Excellence and the President’s Club for achieving the top 10 percent production status and holds a #1 rating as a buyer of controlled sales. She earned her AT&T Master of Business Administration from Wharton School of Business, her Bachelor of Arts from Fairleigh Dickinson University and her Negotiation Certification (ADR) from Cornell University. Ms. Johnson is a lifelong New Jersey resident and the mother of five children, including two sets of twins.

Select Experience

• REMAX American Dream (Boomers Plus) – Broker/Sales Associate
• Realty Executives Exceptional Realtors – Broker/Manager
• Landmark Realty – Owner/Broker
• Coldwell Banker/Toll Brothers New Construction
• Professional and Community Affiliations and Activities
• Long Term Living Association (LTLA) – Founding Member/Longevity Advisor
• Morris County CASA – Court Appointed Special Advocate
• United Way of Tri-State Campaign for AT&T
• Project Graduation Finance Committee
• Host Family – Foreign Exchange Program

Awards and Certifications

• NJAR Circle of Excellence (New Jersey Association of Realtors)
• President’s Club – Top 10 Percent Production; #1 Buyer Controlled Sales
• Certified Relocation Specialist
• Alternate Dispute Resolution (ADR)
• Senior Real Estate Specialist (SRES)
• Internet Marketing Certification (ePRO) – National Association of Realtors
• Associate Safety Professional (ASP) – Board of Certified Safety Professionals
• Negotiation Certification (Cornell)

Education

• Fairleigh Dickinson University – Bachelor of Arts
• Syracuse University
• AT&T Master of Business Administration – Wharton School of Business

Co-Founder and Executive Director – Garden State Eldercare
Founding Partner/Longevity Advisor – Long Term Living Association

Ethan Kassel is a Licensed Clinical Social Worker specializing in Geriatric Care Management. He is the Co-Founder and Executive Director of Garden State Eldercare, a licensed homecare agency providing homecare and care management services, including personalized care plans and assessments to establish the need for ongoing care management. Previously, he held various executive, care management and social work positions for several large homecare agencies. Mr. Kassel holds several licenses and certifications and is a Certified Social Worker in both New York and New Jersey. He served as a President for the New Jersey chapter of the National Association of Professional Geriatric Care Managers. Mr. Kassel received a Master of Social Work degree from New York University and a Bachelor of Arts degree in Liberal Studies from California State University.

Experience and Qualifications
Mr. Kassel, a Licensed Clinical Social Worker specializing in Geriatric Care Management, is Co-Founder and Executive Director of Garden State Eldercare, a licensed homecare agency providing homecare and care management services. Previously, he was employed as Director of Client Services for Senior Bridge (NY & NJ); as Geriatric Care Manager for Second Family Caregivers in New Jersey; and as Medical Social Worker for the Visiting Nurse Service of New York. He also maintains a private psychotherapy practice through which he provides supportive psychotherapy for adolescents, adults and couples and is a mental health care provider for Private Health Care Systems, Multiplan and Medicare. Mr. Kassel holds several licenses and certifications and is a Certified Social Worker in both New York and New Jersey. He served as a President for the New Jersey chapter of the National Association of Professional Geriatric Care Managers. Mr. Kassel received a Master of Social Work degree from New York University and a Bachelor of Arts degree in Liberal Studies from California State University.

Select Experience

• Garden State Eldercare – Co-Founder/Executive Director
• Long Term Living Association – Founding Member/Longevity Advisor
• Senior Bridge (NY & NJ) – Director of Client Experience
• Second Family Caregivers in New Jersey – Geriatric Care Manager
• Visiting Nurse Service of New York – Medical Social Worker

Professional and Community Affiliations and Activities

• National Association of Professional Geriatric Care Managers
• National Association of Social Workers

Education

• New York University – Master of Social Work, May 1993
• California State University – Bachelor of Arts in Liberal Studies, June 1991

Reverse Mortgage Loan Officer – American Advisors Group
Founding Member/Longevity Advisor – Long Term Living Association (LTLA)

Rick Schluter, Reverse Mortgage Loan Officer and Founding Member/Longevity Advisor Long Term Living Association (LTLA) has had a diverse career but regards his work as a reverse mortgage loan officer during the past 12 years as his most rewarding occupation. Currently licensed in New Jersey and Pennsylvania, he has helped more than 500 seniors keep their homes and live a better quality of life. Mr. Schluter considers himself an educator, not a salesperson. He is the author of Reverse Mortgage Survival Guide: Explaining the Most Misunderstood Financial Product in Plain English and has been interviewed on television and radio, quoted in magazines and newspapers, spoken at conferences, and given numerous public presentations about the pros and cons of the reverse mortgage program. Mr. Schluter holds degrees in physics and mathematics and served for six years as an officer in the United States Navy nuclear submarine program. Following his Navy career, he taught nuclear physics and worked in the commercial nuclear power industry and the computer software field. In his spare time, Mr. Schluter enjoys teaching chess to children, guest lecturing on astronomy and physics at local schools, and volunteering for numerous senior-related causes. A competitive swimmer, he is the current New Jersey State Master’s champion in the 100-yard butterfly. He lives in Northern, New Jersey, with his wife and daughters.

Experience and Qualifications
Mr. Schluter has been a Reverse Mortgage Specialist and Loan Officer for 12 years. He is currently licensed in New Jersey and Pennsylvania and has helped more than 500 seniors enhance their quality of life by keeping their homes and enabling them to age in place. Foremost, an educator, Mr. Schluter is an industry thought leader and the author of Reverse Mortgage Survival Guide: Explaining the Most Misunderstood Financial Product in Plain English. He has appeared on radio and television, contributed to articles in magazines and newspapers and spoken at countless events about the pros and cons of the reverse mortgage program. He served as an officer in the Navy, taught nuclear physics and worked in the commercial nuclear power industry and the computer software field, but considers his 12-year tenure in the reverse mortgage industry and his work with seniors as the most rewarding of his career experiences. Also, in his spare time, he volunteers for many senior-related causes. Mr. Schluter holds degrees in physics and mathematics and served for six years as an officer in the United States Navy nuclear submarine program.

Select Experience

• American Advisors Group – Reverse Mortgage Loan Officer
• DataTel and various software companies – Regional Account Manager and Division Sales Manager
• CATCO – VP of Sales
• Westinghouse – Lead Engineer
• United States Navy Nuclear Power School – Officer and Physics Division Director

Professional and Community Affiliations and Activities

• Long Term Living Association (LTLA) – Founding Member/Longevity Advisor
• Volunteers for numerous senior related causes
• Teaches chess to children
• Lectures on Astronomy and Physics at local schools

Speaking Engagements and Published Works

• Appeared on radio and television, contributed to articles in magazines and newspapers and spoken at countless events about the pros and cons of the reverse mortgage program
• Author of Reverse Mortgage Survival Guide: Explaining the Most Misunderstood Financial Product in Plain English

Honors
A competitive swimmer – Mr. Schluter is the current New Jersey State Master’s champion in the 100-yard butterfly

Education

• University of Rhode Island – Bachelor of Science in Physics and Math
• National Honor Society of Physics Students

Elder Law and Estate Planning Attorney and Managing Partner – WanderPolo & Siegel
Elder Law and Estate Planning Attorney – The LTC Partnership, LLC
Founding Member/Longevity Advisor – Long Term Living Association (LTLA)

Shana Siegel, Esq., CELA, CAP, Elder Law and Estate Planning Attorney and Managing Partner of WanderPolo & Siegel, Elder Law and Estate Planning Attorney for The LTC Partnership, LLC and Founding Member/Longevity Advisor for the Long Term Living Association (LTLA), focuses her practice on representing seniors and persons with special needs and their families in matters of asset preservation, estate planning, supplemental needs trusts, life care planning, guardianships and trust and estate litigation. She is certified as an Elder Law Attorney by the American Bar Association (ABA) approved National Elder Law Foundation. Ms. Siegel is a member of NAELA’s prestigious Counsel for Advanced Practitioners, an invitation-only group of elder and special needs planning practitioners. An advocate for seniors and Veterans, Ms. Siegel speaks and writes frequently on topics related to life care planning, educating individuals on ways to best preserve their independence, protect their assets and obtain the benefits they deserve. She emphasizes the importance of early planning and professional legal assistance to circumvent crises and avoid unwitting mistakes. A former president of the New Jersey chapter of the National Academy of Elder Law Attorneys, she is also a member of the New Jersey State Bar Association, NJSBA Elder Law Section, the Life Care Planning Law Firm Association and New Jersey Women Lawyers. She has also served as an adjunct professor of elder law at Seton Hall University Law School. Ms. Siegel earned her Doctor of Jurisprudence (JD) with honors from Georgetown University and her Bachelor of Arts degree with honors from Barnard College.

Experience and Qualifications
Shana Siegel, Esq., CELA, CAP, Managing Partner of WanderPolo & Siegel, Estate and Elder Law Attorney for The LTC Partnership, LLC and Founding Member/Longevity Advisor for the Long Term Living Association (LTLA), focuses her practice on representing seniors and persons with special needs and their families in matters of asset preservation, estate planning, supplemental needs trusts, life care planning, guardianships and trust and estate litigation. She is certified as an Elder Law Attorney by the American Bar Association (ABA) approved National Elder Law Foundation. Ms. Siegel is a member of NAELA’s prestigious Counsel for Advanced Practitioners, an invitation-only group of elder and special needs planning practitioners. She is an advocate for seniors and Veterans and speaks and writes frequently on topics related to life care planning, educating individuals on ways to best preserve their independence, protect their assets and obtain the benefits they deserve. A former president of the New Jersey chapter of the National Academy of Elder Law Attorneys, she is also a member of the New Jersey State Bar Association, NJSBA Elder Law Section, the Life Care Planning Law Firm Association and New Jersey Women Lawyers. She has also served as an adjunct professor of elder law at Seton Hall University Law School. Prior to her legal career, Ms. Siegel worked as a regulatory specialist at American Association of Retired Persons (AARP). Ms. Siegel earned her Doctor of Jurisprudence (JD) with honors from Georgetown University and her Bachelor of Arts degree with honors from Barnard College.

Select Experience

• WanderPolo & Siegel – Elder Law and Estate Planning Attorney and Managing Partner
• The LTC Partnership, LLC – Elder Law and Estate Planning Attorney
• Seton Hall Law School – Adjunct Professor of Elder Law
• AARP – Regulatory Specialist

Professional and Community Affiliations and Activities

• Member of National Academy of Elder Law Attorneys (NAELA) Council for Advanced Practitioners – an invitation-only group of elder and special needs planning practitioners
• New Jersey State Bar Association NJSBA Elder Law Section
• The Life Care Planning Law Firm Association
• New Jersey Women Lawyers
• Long Term Living Association (LTLA) – Longevity Advisor
• Active in her local chamber associations and multiple Jewish philanthropy organizations

Speaking Engagements and Published Works

• NAELA Journal           Co-author: “Where Do We Go From Here? Long-Term Care in 
2015 the Age of the Baby Boomers”
• NAELA Journal           Co-author: “Residential Models for Today’s and Tomorrow’s Older Adults”
  2013
• NAELA Journal Co-author: “The Impact of State Medicaid Reform on Vulnerable Populations 2012 Needing Long-Term Care Services”
• Treatise on Chapter on Minors and Informed Consent
  Health Care Law
  2012
• Treatise on Chapter on Affordable Care Act
  Health Care Law
  2011

Education

• Georgetown University – Doctor of Jurisprudence (JD) with Honors
• Barnard College – Bachelor of Arts with Honors

Medicare Broker – NJ Medicare Brokers
Founding Member/Longevity Advisor – Long Term Living Association (LTLA)

Andrew Vasta, Owner/Founder of NJ Medicare Brokers and a Founding Member/Longevity Advisor in the Long Term Living Association (LTLA), is committed to helping Medicare beneficiaries cut through the information overload to find the supplementary Medigap insurance plan or Medicare Advantage plan that best suits their needs. Mr. Vasta speaks frequently at senior centers and libraries to provide those eligible for Medicare or already receiving Medicare with education and information on this benefit. Mr. Vasta received his Bachelor of Science degree in Finance from Rowen University. He is a member of the Morris County Chamber of Commerce and the Alliance for Senior Services. He has also served as a Youth Minister at St. Matthew the Apostle Church in Randolph. He lives with his wife, Colleen, in New Jersey.

Experience and Qualifications
Andrew Vasta, Owner/Founder of NJ Medicare Brokers and a Founding Member/Longevity Advisor in the Long Term Living Association (LTLA), has been helping Medicare beneficiaries with their health insurance needs for eight years. He provides each client with a specialized plan based on their medical situation, medications and budget and the Medigap insurance plan or Medicare Advantage plan that best suits their needs. Mr. Vasta speaks frequently at senior centers and libraries to provide those eligible for Medicare or already receiving Medicare with education and information on this benefit. Mr. Vasta received his Bachelor of Science in Finance from Rowen University. He is a member of the Morris County Chamber of Commerce and the Alliance for Senior Services.

Select Experience

• NJ Medicare Brokers – Founder/Owner

Professional and Community Affiliations and Activities

• Long Term Living Association (LTLA) – Founding Member/Longevity Advisor
• Morris County Chamber of Commerce
• The Alliance for Senior Services
• St. Matthew the Apostle – Youth Minister

Speaking Engagements

• Frequent speaker on Medicare providing education at senior centers and libraries

Education

• Rowen University – Bachelor of Science in Finance