Today’s environment of seniors living longer and the concern of not having enough assets to maintain long term care services require comprehensive solutions. The Greater Baltimore Senior Alliance was established to provide a collaborative forum that customers can utilize to achieve the effective solutions to a variety of concerns.
In 20 years there will be more than 70 million seniors over the age of 65 years. This staggering number simply means that planning is critical in order to manage the costs and daily care needs of an aged person. We recognize that there are many facets to managing this type of situation and the effects it can have on a person trying to care for parents while managing their own family and career. For these reasons we invite you to review the group of professionals that we have assembled that may be able to provide just the answers you are looking for to manage your situation.
Valorie Leeb, CSA, Paralegal, Owner, Accent on Elder Law
Ms. Leeb is the owner and founder of Accent on Elder Law, Inc. and works with Hewitt & Waicker, LLC. A paralegal and Certified Senior Advisor (CSA), Ms. Leeb has been serving Maryland seniors and their families in the area of Elder Law services and Medicaid eligibility since 1995. Ms. Leeb holds a degree in Business Administration with a focus on Paralegal Studies. She has further education in the areas of Gerontology with special interest on the study of the aged population. Ms. Leeb serves on the Board of Directors for the Baltimore County Guardianship Review Board. She is a licensed health insurance agent, which allows her to better serve the needs of her clients in helping them understand the impact of Medicare and
secondary insurances. Ms. Leeb is an associate member of the Maryland Bar Association and a member of the National Ethics Bureau.
410-769-9001 • Cell: 443-790-7915 • vleeb@accentonelderlaw.com • www.accentonelderlaw.com
Nicole R. Hewitt, Esquire, Hewitt & Waicker, LLC
Ms. Hewitt practices in the area of Elder Law, Estate Planning and Estate Administration, Business Planning, and Title and Real Estate Transactions, with an emphasis on the tax aspects of each area. Her clients consist of both individuals and small businesses. Prior to co-founding Hewitt & Waicker, LLC, Ms. Hewitt was a senior tax associate with two Big 5 accounting firms, an associate with a large prominent Baltimore law firm and General Counsel and Executive Director of a national corporation. She is a member of the Maryland State Bar Association's Estate & Trusts, Elder Law and Real Property sections, and a member of the Baltimore County Bar Association. Ms. Hewitt received her B.A. from Loyola College, J.D. from the University of Baltimore School of Law, and L.L.M. in Taxation from Georgetown University School of Law.
410-825-2255 • nhewitt@hewittwaicker.com • www.hewittwaicker.com
Andrew L. Billig, C.A.I. - A.J. Billig & Co., Auctioneers (Established 1918)
Mr. Billig is a third generation member of A.J. Billig & Co., Auctioneers, having more than twenty years auction and appraisal experience. Licensed Auctioneer, Real Estate Broker and Certified Residential Appraiser. He possess a Bachelor of Science Degree from the University of Maryland and is a Member of Certified Auctioneers Institute, Greater Baltimore Board of Realtors, Maryland Association of Realtors, National Association of Realtors, Auctioneers Association of Maryland, Real Estate Appraisal Division of the National Association of Realtors, Maryland Association of Appraisers, National Auctioneers Association and Auctioneers Association of Maryland. He will consult on how to best sell your family home offering various services including trash removal, cleaning and minor repairs. Homes can be sold within 3 to 4 weeks. Cash sales, no contingencies, with the buyer paying all of the closing costs.
410-752-8440 (extension 12) • andy@ajbillig.com • www.ajbillig.com
Patrick L. Brown, Executive Vice-President of Willow Financial Services, LLC.
Mr. Brown is a graduate of Loyola College and has his Masters from Sellinger School of Business. Mr. Brown was the executive vice president of the small business division of USF&G, a Baltimore based insurance carrier that was purchased by St. Paul in 1997. He is recognized for developing the small business division nationwide and pioneering the concept of marketing small business products geared to the owners of small businesses.In 2002, Mr. Onorato and Mr. Brown completed a comprehensive course on priority senior issues and attained the Certified Senior Advisor designation. They are currently active members of the Society of Senior Advisors® and the National Association of Insurance and Financial Advisors (NAIFA). This designation allows Willow Financial Services to meet the key needs and issues concerning small business owners as they grow older.
410-321-9608 • 800-662-9847 • www.willowfinancial.com
Mary Helen Dennis, Owner, InfoDoc, Inc.
InfoDoc, Inc. is a comprehensive Estate Organizing Service dedicated to helping clients before, during and after a family crisis or a life change by helping them to Identify, Organize and Document their Estate.
- Personal Bookkeeping – Checkbook balancing, bill pay, insurance claim paperwork and file organizing.
- Estate Documentation – Creating a "Family Resource Book" documenting information about property, finances, insurances, etc.
- Assisting Estate Administrators – Assisting Executors and Conservators of estates with everything from filling out paperwork to cleaning out the house in preparation for sale.
Robert W. Groves, Jr., C.P.C.
Licensed Mortician for 26 years and a Certified Preplanning Counselor since 2000.
For the past 17 years, Robert and the Evans Funeral Chapel and Cremation Services have been leaders in Funeral Preplanning, firmly believing that preplanning is a "Gift of Selfless Love."
Robert has been recognized as one of the top preplanning counselors in the United States. He also serves on his church denomination's Senior Adult Committee for the Del Mar VA-DC Region.
410-665-9444 • Evanspims@earthlink.net • www.evansfuneralchapel.com
Pat Kloiber, CSA
Nurses Available is a private duty nursing agency providing cre to individuals in the home, hospital, assisted living or nursing facility. Non-medical and medical care is available for individuals of any age. Services can range from 1 hour to 24 hours a day on a short term or long term basis. Some of the services provided are (but not limited to) the following: personal care, medication assistance, light housekeeping, meal preparation, companionship, shopping, transportation to appointments, wound care and injections. Services can be provided anywhere in the Baltimore Metropolitan area and surrounding counties. A Certified Senior Advisor is on staff for free in-home consultations.
410-321-4466 • pat@nursesavailable.com • www.nursesavailable.com
William M. Leeb, CFP®
William Leeb is the President of Financial Council, Inc. (FCI), a registered investment advisory firm, specializing in retirement planning. FCI provides a unique approach to the retirement planning process through a highly qualified team of accredited professionals.
Mr. Leeb brings over 25 years of experience to FCI, which he co-founded with his father, Howard W. Leeb in 1988. He holds degrees in Business Administration and Economics from Towson University. He is a certified Financial Planner and a member of the Financial Planning association and the Institute of Certified Planners. He currently serves as an adjunct faculty member of the Johns Hopkins University where he frequently lectures on investment and financial planning issues. Mr. Leeb is also President and Chief Investment Officer of Financial Council Asset Management, Inc., a Registered Investment Advisory Firm.
410-821-9200 • info@financialcouncil.com • www.financialcouncil.com
Jeffrey V. Merwin, CLU, RHU, Director of LTC Brokerage
Jeff Merwin has more than 22 years in the financial services industry, developing personal production in both individual and group insurance markets. He also partners with financial advisors and insurance professionals to assist them with implementing long term care plans for their individual and business group clients.
His value to consumers and advisors’ clients in long-term care planning includes the underwriting qualification process, contract evaluation, plan design suitability, and planning strategies to implement the most efficient long-term care plan.
He has been a featured speaker and CE instructor at local chapter meetings of Maryland Association of Health Underwriters, National Association of Insurance & Financial Advisors, Financial Planning Association of Maryland, and Maryland Association of CPAs. He has provided training and consultation to over a thousand agents and advisors. He has been the Senior Issues Chair for MAHU and developed the 8 hour training day sponsored by MAHU & NAIFA in June of 2008.
Jeff graduated from Bowdoin College in Brunswick ME with B.A. in History. His professional designations include Chartered Life Underwriter (CLU), Registered Health Underwriter (RHU), Registered Employee Benefits Consultant (REBC), and Life Underwriters Training Council Fellow (LUTCF). He lives in Baltimore with his wife and 3 children.
410-312-0003 • jeff.merwin@capitolmetro.com • www.capitolmetro.com
Richard A. Onorato, CSA, President of Willow Financial Services, LLC
A financial consulting firm that specializes in financial and retirement planning for individuals and businesses. Recognized as a top executive in the distribution of insurance and financial product, Rick has 30 years of experience in the industry. As a consultant and licensed broker, he deals with a wide variety of highly rated insurance companies, finding the best one to fully meet each client's current and future needs. He has received numerous awards over the years for outstanding professional service and performance to his clients.
410-321-9608 • 800-662-9847 • www.willowfinancial.com
Kenneth F. Prager, Certified Public Accountant
Kenneth Prager has almost thirty years of broad administrative and financial management experiences. His practice is dedicated to working with entrepreneurial companies and small businesses in their start-up phase by providing quality administrative and financial support to those organizations through various stages of their growth as well as providing both individual and business tax return preparation and planning. A strong emphasis has been placed on serving the needs of seniors in both tax planning and preparation of individual, trust and estate tax returns.
Mr. Prager earned a B.S. Degree from the University of Baltimore and is a member of both the Maryland Association and American Institute of Certified Public Accountants, and serves on the University of Baltimore Alumni Board. He has worked for a Big 6 CPA firm, served in various management capacities with Commercial Credit Company, was Regional Controller for a large shipping company and as Chief Financial Officer of a computer related distributor prior to developing his current practice.
410-829-4749 • KFPCPA@aol.com
Stuart Solomon, CPA, Registered Investment Advisor
Stuart Solomon is a partner and a shareholder in KBST&M. He has twenty-eighty years of public accounting experience. Stuart has been with KBST&M since 1985. Stuart's areas of concentration are in accounting services, individual and corporate taxation, management of advisory services, and wealth management services. He serves many clients in various industries, including professional services, real estate, automotive dealerships and contracting.
410-308-0300 • ssolomon@kbstm.com • www.kbstm.com
Neil Sweren, CMC, CRMS, CEO of Allymac Mortgage Services
Mr. Sweren is a twenty year veteran of residential mortgage financing and has personally handled more than two thousand loan transactions.
Allymac Mortgage Services offers a wide range of mortgage financing programs for purchase and refinance. Under his leadership Allymac has become one of the largest and most experienced providers of HECM reverse mortgages in the United States.
Neil holds a Bachelor of Science degree from Towson University, and is a licensed loan originator in Maryland, Virginia, Pennsylvania, Delaware and Washington DC. He is a nationally Certified Mortgage Consultant and Certified Residential Mortgage Specialist. Neil is a past-president of the Maryland Association of Mortgage Professionals and is a current member of its Ethics Oversight Committee. He has served as a consultant to the Maryland Legislature in the formation of continuing education requirements for Mortgage Brokers and has been appointed to represent the industry before the Commissioner of Financial Regulation. He currently serves on the Mortgage Advisory Council to the Conference of State Bank Supervisors in the development of a federally mandated national mortgage licensing system (NMLS).
Neil is a long time resident of Pikesville Maryland, where he lives with his wife Sherri, and two children.
410-902-4660 • neil@allymac.com • www.Allymac.com