Natalie Karp and Rona Loshak
Specialists in all aspects of Long-Term Care Insurance
plus Certified in Long-Term Care, CLTC*

As CLTC* licensed professionals with State Partnership certification, Karp Loshak are experts in asking the right questions in order to craft a plan to protect a family's retirement portfolio from the risks associated with needing protracted care as one ages.

Karp Loshak services the traditional "sandwich generation": those caught between aging parents who need care and their own children. They understand and appreciate the emotional and financial consequences of protracted home or nursing care. They are independent insurance brokers and represent the top rated LTC insurance companies: Genworth, Guardian/Berkshire, John Hancock, Hartford Life, Lincoln, Mass Mutual, Med America, Mutual of Omaha, National Life, Prudential, TransAmerica, UNUM.

Karp Loshak is currently licensed in New York, New Jersey, Connecticut, Florida, California, Missouri, Washington DC, Massachusetts. They are members of The American Association of Long Term Care Insurers and are ranked one of the top in the industry. They work in partnership with lawyers, financial planners, CPA's, and other insurance professionals.

They are an approved NYS Sponsor of Continuing Professional Education Credits (CPE) for CPA's and are Adjunct Professors for CW Post, LI University as a trusted source for information for long term care insurance for individuals, business owners and employer groups.

They address issues ranging from the cost to self insure vs. transfer the risk, state partnership plans, state and federal tax advantages. Analysis of older policies and tax effecient financing offered.

Natalie Karp spent her career in the financial services industry as an investor relations consultant where she provided strategic advice to both emerging growth companies and a family of Fortune 500 clients. She created and developed a web- based proprietary software application, Streetfinity,™ that was licensed worldwide. Natalie is the recipient of various awards including U.S. Investor Relations Magazine Award for Excellence in Investor Relations and Who's Who of American Women. Natalie is a member of the Financial Women's Association and served on the Business Advisory Board of Business Week Magazine. MBA, Fordham University. Rona Loshak managed $15 million advertising revenue per year for The New York Times for 22 years. She worked with hundreds of large and small clients budgeting, planning, executing and managing their plans. Throughout her career, she received numerous Leadership, Sales, Industry and President Circle awards. MBA, NYU Stern School of Business. *CLTC stands for "Certified in Long-Term Care," a designation granted by the CLTC Board of Standards, Inc. The American Council on Education, the country's largest coordinating body for higher education, approves the designation. It is affiliated and endorsed by the College of Financial Planning, which also accredits Certified Financial Planners. The program is financially and editorially independent of the long-term care insurance industry. Both have earned this designation, which required rigorous multi-disciplinary courses that focus on the profession of Long-Term Care, not the selling of insurance products.