About Long Term Care Consultants

Hope is not a strategy…

Long term care planning does make a difference!

Long-Term Care Consultants was founded in 2000 in Richmond, VA. Our mission is to provide education and awareness to individual clients, employer groups, financial advisors, other insurance professionals, certified public accountants, attorneys, physicians, caregivers and anyone who wants to understand what is the best way to leverage their money and most tax efficient way to pay for long term care based on their individual circumstances.

Code of Ethics

Long Term Care Consultants, Inc subscribes to the following Code of Ethics:
  1. To conduct our business with referrals, clients, and other professionals according to the same high standards of honesty and fairness that we would apply or demand for ourselves.
  2. To keep paramount the needs of those whom we serve.
  3. To respect our clients’ trust in us and to never do anything that would betray their trust or confidence.
  4. To give all service possible when service is needed.
  5. To present policies factually and accurately, providing all information necessary for the issuance of sound insurance coverage to the public we serve.
  • To use no advertising which we know may be false or misleading.
  • To be fair and just to competitors and to engage in no practices that may reflect unfavorably on us or our industry.
  • To treat prospects, clients and companies fairly by submitting applications that reveal all available information pertinent to underwritings policy.
  • To extend honest and professional conduct to our clients, associates, fellow agents and brokers, other financial professionals, and the company or companies whose products we represent.
  • To continue to increase our competency through ongoing education. Being competent means having the necessary skills, knowledge, commitment and attitude to do a professional job.
  • The Team Bio Info

    Linda Tsironis Caruthers,
    CSA, LTCP
    President

    Linda Tsironis Caruthers, CSA, LTCP is the founder and CEO of Long-Term Care Consultants, Inc., Richmond’s only dedicated long-term care insurance agency providing long-term care planning and caregiver support resources to individuals...

    LEARN MORE
    Howard “Bo” Grant Long Term Care Specialist

    Bo is a Richmond, Virginia native who attended VMI (for those not familiar with VMI it is the “esteemed” Virginia Military Institute). He attended VMI on a football scholarship and received a...

    LEARN MORE
    Karyl L. Moesel, MBA,
    CLU, CLTC
    LTC Specialist & Administrative Director

    Karyl brings 17+ years of insurance experience to LTC Consultants, Inc. She has a varied background of experience including serving as a Captain in the U.S. Marine Corps (11 years) before entering...

    LEARN MORE
    Alan Jones, CLTC Long Term Care Specialist

    Alan Jones began his insurance career in 1992 with the Prudential Insurance Company initially offering personal insurance lines, including life, disability and long-term care insurance. He broadened his offerings to include employee...

    LEARN MORE
    Linda Tsironis Caruthers,
    CSA, LTCP
    President

    Linda Tsironis Caruthers, CSA, LTCP is the founder and CEO of Long-Term Care Consultants, Inc., Richmond’s only dedicated long-term care insurance agency providing long-term care planning and caregiver support resources to individuals and employer groups. She has specialized in long-term care insurance since 2000 and earned the Long-Term Care Professional (LTCP) designation from America’s Health Insurance Plans (AHIP) in 2005 and the Certified Senior Advisor (CSA) designation from the Society of Certified Senior Advisors in 2006.

    Linda is a published author of several articles that have appeared in Health Care Reform Magazine focused on long-term care and was a cited expert on long-term care in an article in Virginia Business Magazine, Business Trends: Healthcare, An Industry Makeover, Genworth Financial. She is certified through the Commonwealth of Virginia to teach Virginia Long-Term Care Insurance Partnership Certification Continuing Education Classes and conducts personal educational meetings with individuals and employer groups. She also teaches Long-Term Care Insurance classes for the Adult Education Division of Chesterfield County Public School System, Lifelong Learning Institute in Chesterfield and Osher Lifelong Learning Institute at the University of Richmond. In addition, Linda is a past member of the Board of Directors of the Central Virginia Association for Health Underwriters, a local chapter of the National Association of Health Underwriters. She is the sought-after specialist that educates clients on the advantages of long-term care, tailors it to fit individual needs and shops solutions to get the best possible value for clients.

    Howard “Bo” Grant Long Term Care Specialist

    Bo is a Richmond, Virginia native who attended VMI (for those not familiar with VMI it is the “esteemed” Virginia Military Institute). He attended VMI on a football scholarship and received a BS in Civil Engineering. In 1980, Bo relocated to Atlanta where he was in the architectural business for 17 years. In the late 1990’s, a friend introduced him to the world of group benefits where he worked with United Healthcare. As his career evolved, he became licensed for Property & Casualty as well as securities. He returned to Richmond in 2004 and worked with John Hancock recruiting Financial Planners.

    Like many insurance representatives with a varied background, Bo comes to the specialty of long term care planning because of a personal experience involving someone who required care. His mother passed in 2005 due to dementia. As a result of his experience with his mom, Bo became more informed of the need and cost of care required for someone experiencing dementia as well as other long term care situations. Having had both hips replaced in 2016 further increased his awareness of the need for care and the process of obtaining quality care.

    Bo thoroughly enjoys the insurance profession, particularly long term care planning because there is a real sense of helping people. He wants to be part of the solution. With his experience in Group Benefits he feels that he is able to reach more people in the workplace to provide them with the long term care protection that will become so valuable to them in the future.

    Besides working hard to bring solutions to others, Bo has always been a “jock” whether it’s football, running, lifting weights or experiencing Hot Yoga. He is divorced and has a daughter, Ginny who is 17 and attends school in Richmond.

    Karyl L. Moesel, MBA,
    CLU, CLTC
    LTC Specialist & Administrative Director

    Karyl brings 17+ years of insurance experience to LTC Consultants, Inc. She has a varied background of experience including serving as a Captain in the U.S. Marine Corps (11 years) before entering the insurance profession. She developed a strong interest in Long Term Care after having seven surgeries within eight years. While none of her surgeries were life threatening, she came to realize the importance of Long Term Care. She met Linda at a training class who recognized her interest and knowledge and said “This is where you belong!”. The result: she left an insurance position she had for six years to pursue a career in Long Term Care where she is able to assist people make the choice to protect themselves so that they can remain financially independent. She does not want to see people lose a lifetime of savings with the potential for becoming destitute for an unfortunate situation that could have been prevented. Karyl knows from her own experience that having a LTC policy provides you with “peace of mind” knowing that the policy protects you from having to be reliant on others if care is needed.

    Karyl believes that it is important to work with your clients to understand what their needs are; what assets are available and be sure that they are educated in the various options that might be appropriate for them so that they make may an “informed decision” when designing and selecting a plan. Every person’s circumstances are different and Karyl works with you to determine the best options for you, not your neighbor! Karyl works with people in person and “online”. You will be sure to meet her as she works with clients in processing your application. Karyl is located in Northern Virginia. You may contact her at 703-346-6601 or Karyl@ltccinc.com

    Alan Jones, CLTC Long Term Care Specialist

    Alan Jones began his insurance career in 1992 with the Prudential Insurance Company initially offering personal insurance lines, including life, disability and long-term care insurance. He broadened his offerings to include employee benefits. He left Prudential in 1997 when he established his own insurance practice as an independent agent. Since that time, Alan has continued to offer employee benefits and individual insurance to businesses and individuals throughout Virginia.

    He is a Certified Long Term Care Consultant who has decided to re-focus on long term care insurance. “I have always believed in the product, but now I have a story to tell,” says Alan. “The experiences we’ve had with my in-laws – and continue to experience with my mother – have given me a better appreciation for the benefits of planning.” He is self-described as one of the most low-key insurance agents you will ever meet. That may explain why he has had some individuals and group clients work with him for over twenty years and has grown his business exclusively off of referrals for the last fifteen years. His philosophy is simple. “I want to educate my clients on their options and let them make their decision on their timetable.”

    He is a born and bred Virginian, having grown up in the metropolis of Brookneal. He moved to the Richmond area shortly after graduating from The College of William and Mary and now considers Richmond home. He is married and has three adult children and one grandchild (so far). He spends free time with his family, reading, riding his motorcycle, playing volleyball, and photographing landscapes

    What our clients say

    “Linda Caruthers is a valuable resource, and her knowledge and work experience in the long-term care insurance industry provides insight into the issues we face as we age. In addition, her compassion for others and her strong work ethic add to her expertise, and she has been a pleasure to work with when planning educational programs and personalized, one-on-one meetings for employees. Linda and her team of long term care professionals have also been available to join us at annual Wellness Fairs, Benefit Fairs and Retirement Planning Workshops. I am very thankful for Linda’s commitment to employees and appreciate all she does to promote wellness on our campus. Thank you, Linda,!”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Suzanne Bird Benefits & Compensation Specialist University of Richmond

    “I have known Linda Caruthers for many years as a professional in Long Term Care Insurance (LTC). She is one of the most knowledgeable, if not the most knowledgeable persons in the industry. Linda is always thinking and researching what is the best strategy for her clients. She has assisted me as a LTC broker with saving many of my client’s time and money in finding the right company and product to meet this need. But more important, she is one of the most sincere and caring persons you will ever meet. She takes each of her client’s concern to hear and it shoes in her service to them.
    I highly recommend Linda for any of your Long Term Care needs. You do not know when you may need that financial security no matter your age.”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Don R Vaught President Vaught & Associates Financial Services

    “Our firm has worked with Linda for the past 10 years. Not only is she extremely knowledgeable about long-term care, but she is able to educate and communicate with clients in a very comfortable fashion. I trust Linda to help address and solve any long-term care concerns my clients have.”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    John B. Clair NAPFA-Registered Financial Advisor

    “Dear Linda,
    It was our sincere pleasure to meet with you last Friday. Our experience with you was truly amazing. We still cannot believe such a person as you exists on this earth. You were so pleasant, efficient and knowledgeable and ever so passionate about your job. You went above and beyond the call of duty to help us understand our long-term care policy. Thank you for your kind and professional services. Linda, it is a great feeling to know if we ever need help that you will be there for us. Thank you for the summary of our meeting. We value your suggestions and will begin acting on them soon. We have our work cut out for us. Take good care. YOU are the BEST!”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Al and Mary Jo Kling

    “My name is Richard S. Smith a 1990 retired U.S. Army Lt. Col. and more recently, a staffer with the National Education Association from 1992-2010. I met Ms. Caruthers in 2004 in my capacity as a member benefits consultant and advisor to the various business enterprises providing products and services to the NEA membership and their families. I soon recognized that Ms. Caruthers presented her designation as a CSA (Certified Senior Advisor) to a level that exceeded expectations. Her technical knowledge of the topic, Long-Term Care management, was without equal. More significant was her empathy and ability to connect with her client or audience as she explained the web of options one should consider in confronting the challenges of longevity. She is sought after by insurance agents and financial planners as they recognize the service that she can provide to the financial decision making for their clients. She is unquestionably at the top of her industry and performs with the upmost of integrity and reliability.”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Richard S. Smith

    “Linda Caruthers builds on her teaching past to be the perfect partner for clients and advisers as they explore the many facets of long term care planning. With an emphasis on compassion and education, Linda offers a warm, comfortable approach when talking about long term care planning, and her deep knowledge of the provider marketplace makes her a great partner for anyone who has questions about Aging in Place.”

    David Hillellsohn DHill Financial, LLC

    Hope is not a strategy…

    Long term care planning does make a difference!

    Long-Term Care Consultants was founded in 2000 in Richmond, VA. Our mission is to provide education and awareness to individual clients, employer groups, financial advisors, other insurance professionals, certified public accountants, attorneys, physicians, caregivers and anyone who wants to understand what is the best way to leverage their money and most tax efficient way to pay for long term care based on their individual circumstances.

    Code of Ethics

    Long Term Care Consultants, Inc subscribes to the following Code of Ethics:
    1. To conduct our business with referrals, clients, and other professionals according to the same high standards of honesty and fairness that we would apply or demand for ourselves.
    2. To keep paramount the needs of those whom we serve.
    3. To respect our clients’ trust in us and to never do anything that would betray their trust or confidence.
    4. To give all service possible when service is needed.
    5. To present policies factually and accurately, providing all information necessary for the issuance of sound insurance coverage to the public we serve.
  • To use no advertising which we know may be false or misleading.
  • To be fair and just to competitors and to engage in no practices that may reflect unfavorably on us or our industry.
  • To treat prospects, clients and companies fairly by submitting applications that reveal all available information pertinent to underwritings policy.
  • To extend honest and professional conduct to our clients, associates, fellow agents and brokers, other financial professionals, and the company or companies whose products we represent.
  • To continue to increase our competency through ongoing education. Being competent means having the necessary skills, knowledge, commitment and attitude to do a professional job.
  • The Team Bio Info

    Linda Tsironis Caruthers,
    CSA, LTCP
    President

    Linda Tsironis Caruthers, CSA, LTCP is the founder and CEO of Long-Term Care Consultants, Inc., Richmond’s only dedicated long-term care insurance agency providing long-term care planning and caregiver support resources to individuals...

    LEARN MORE
    Linda Tsironis Caruthers,
    CSA, LTCP
    President

    Linda Tsironis Caruthers, CSA, LTCP is the founder and CEO of Long-Term Care Consultants, Inc., Richmond’s only dedicated long-term care insurance agency providing long-term care planning and caregiver support resources to individuals and employer groups. She has specialized in long-term care insurance since 2000 and earned the Long-Term Care Professional (LTCP) designation from America’s Health Insurance Plans (AHIP) in 2005 and the Certified Senior Advisor (CSA) designation from the Society of Certified Senior Advisors in 2006.

    Linda is a published author of several articles that have appeared in Health Care Reform Magazine focused on long-term care and was a cited expert on long-term care in an article in Virginia Business Magazine, Business Trends: Healthcare, An Industry Makeover, Genworth Financial. She is certified through the Commonwealth of Virginia to teach Virginia Long-Term Care Insurance Partnership Certification Continuing Education Classes and conducts personal educational meetings with individuals and employer groups. She also teaches Long-Term Care Insurance classes for the Adult Education Division of Chesterfield County Public School System, Lifelong Learning Institute in Chesterfield and Osher Lifelong Learning Institute at the University of Richmond. In addition, Linda is a past member of the Board of Directors of the Central Virginia Association for Health Underwriters, a local chapter of the National Association of Health Underwriters. She is the sought-after specialist that educates clients on the advantages of long-term care, tailors it to fit individual needs and shops solutions to get the best possible value for clients.

    Howard “Bo” Grant Long Term Care Specialist

    Bo is a Richmond, Virginia native who attended VMI (for those not familiar with VMI it is the “esteemed” Virginia Military Institute). He attended VMI on a football scholarship and received a...

    LEARN MORE
    Howard “Bo” Grant Long Term Care Specialist

    Bo is a Richmond, Virginia native who attended VMI (for those not familiar with VMI it is the “esteemed” Virginia Military Institute). He attended VMI on a football scholarship and received a BS in Civil Engineering. In 1980, Bo relocated to Atlanta where he was in the architectural business for 17 years. In the late 1990’s, a friend introduced him to the world of group benefits where he worked with United Healthcare. As his career evolved, he became licensed for Property & Casualty as well as securities. He returned to Richmond in 2004 and worked with John Hancock recruiting Financial Planners.

    Like many insurance representatives with a varied background, Bo comes to the specialty of long term care planning because of a personal experience involving someone who required care. His mother passed in 2005 due to dementia. As a result of his experience with his mom, Bo became more informed of the need and cost of care required for someone experiencing dementia as well as other long term care situations. Having had both hips replaced in 2016 further increased his awareness of the need for care and the process of obtaining quality care.

    Bo thoroughly enjoys the insurance profession, particularly long term care planning because there is a real sense of helping people. He wants to be part of the solution. With his experience in Group Benefits he feels that he is able to reach more people in the workplace to provide them with the long term care protection that will become so valuable to them in the future.

    Besides working hard to bring solutions to others, Bo has always been a “jock” whether it’s football, running, lifting weights or experiencing Hot Yoga. He is divorced and has a daughter, Ginny who is 17 and attends school in Richmond.

    Karyl L. Moesel, MBA,
    CLU, CLTC
    LTC Specialist & Administrative Director

    Karyl brings 17+ years of insurance experience to LTC Consultants, Inc. She has a varied background of experience including serving as a Captain in the U.S. Marine Corps (11 years) before entering...

    LEARN MORE
    Karyl L. Moesel, MBA,
    CLU, CLTC
    LTC Specialist & Administrative Director

    Karyl brings 17+ years of insurance experience to LTC Consultants, Inc. She has a varied background of experience including serving as a Captain in the U.S. Marine Corps (11 years) before entering the insurance profession. She developed a strong interest in Long Term Care after having seven surgeries within eight years. While none of her surgeries were life threatening, she came to realize the importance of Long Term Care. She met Linda at a training class who recognized her interest and knowledge and said “This is where you belong!”. The result: she left an insurance position she had for six years to pursue a career in Long Term Care where she is able to assist people make the choice to protect themselves so that they can remain financially independent. She does not want to see people lose a lifetime of savings with the potential for becoming destitute for an unfortunate situation that could have been prevented. Karyl knows from her own experience that having a LTC policy provides you with “peace of mind” knowing that the policy protects you from having to be reliant on others if care is needed.

    Karyl believes that it is important to work with your clients to understand what their needs are; what assets are available and be sure that they are educated in the various options that might be appropriate for them so that they make may an “informed decision” when designing and selecting a plan. Every person’s circumstances are different and Karyl works with you to determine the best options for you, not your neighbor! Karyl works with people in person and “online”. You will be sure to meet her as she works with clients in processing your application. Karyl is located in Northern Virginia. You may contact her at 703-346-6601 or Karyl@ltccinc.com

    Alan Jones, CLTC Long Term Care Specialist

    Alan Jones began his insurance career in 1992 with the Prudential Insurance Company initially offering personal insurance lines, including life, disability and long-term care insurance. He broadened his offerings to include employee...

    LEARN MORE
    Alan Jones, CLTC Long Term Care Specialist

    Alan Jones began his insurance career in 1992 with the Prudential Insurance Company initially offering personal insurance lines, including life, disability and long-term care insurance. He broadened his offerings to include employee benefits. He left Prudential in 1997 when he established his own insurance practice as an independent agent. Since that time, Alan has continued to offer employee benefits and individual insurance to businesses and individuals throughout Virginia.

    He is a Certified Long Term Care Consultant who has decided to re-focus on long term care insurance. “I have always believed in the product, but now I have a story to tell,” says Alan. “The experiences we’ve had with my in-laws – and continue to experience with my mother – have given me a better appreciation for the benefits of planning.” He is self-described as one of the most low-key insurance agents you will ever meet. That may explain why he has had some individuals and group clients work with him for over twenty years and has grown his business exclusively off of referrals for the last fifteen years. His philosophy is simple. “I want to educate my clients on their options and let them make their decision on their timetable.”

    He is a born and bred Virginian, having grown up in the metropolis of Brookneal. He moved to the Richmond area shortly after graduating from The College of William and Mary and now considers Richmond home. He is married and has three adult children and one grandchild (so far). He spends free time with his family, reading, riding his motorcycle, playing volleyball, and photographing landscapes

    What our clients say

    “Linda Caruthers is a valuable resource, and her knowledge and work experience in the long-term care insurance industry provides insight into the issues we face as we age. In addition, her compassion for others and her strong work ethic add to her expertise, and she has been a pleasure to work with when planning educational programs and personalized, one-on-one meetings for employees. Linda and her team of long term care professionals have also been available to join us at annual Wellness Fairs, Benefit Fairs and Retirement Planning Workshops. I am very thankful for Linda’s commitment to employees and appreciate all she does to promote wellness on our campus. Thank you, Linda,!”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Suzanne Bird Benefits & Compensation Specialist University of Richmond

    “I have known Linda Caruthers for many years as a professional in Long Term Care Insurance (LTC). She is one of the most knowledgeable, if not the most knowledgeable persons in the industry. Linda is always thinking and researching what is the best strategy for her clients. She has assisted me as a LTC broker with saving many of my client’s time and money in finding the right company and product to meet this need. But more important, she is one of the most sincere and caring persons you will ever meet. She takes each of her client’s concern to hear and it shoes in her service to them.
    I highly recommend Linda for any of your Long Term Care needs. You do not know when you may need that financial security no matter your age.”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Don R Vaught President Vaught & Associates Financial Services

    “Our firm has worked with Linda for the past 10 years. Not only is she extremely knowledgeable about long-term care, but she is able to educate and communicate with clients in a very comfortable fashion. I trust Linda to help address and solve any long-term care concerns my clients have.”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    John B. Clair NAPFA-Registered Financial Advisor

    “Dear Linda,
    It was our sincere pleasure to meet with you last Friday. Our experience with you was truly amazing. We still cannot believe such a person as you exists on this earth. You were so pleasant, efficient and knowledgeable and ever so passionate about your job. You went above and beyond the call of duty to help us understand our long-term care policy. Thank you for your kind and professional services. Linda, it is a great feeling to know if we ever need help that you will be there for us. Thank you for the summary of our meeting. We value your suggestions and will begin acting on them soon. We have our work cut out for us. Take good care. YOU are the BEST!”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Al and Mary Jo Kling

    “My name is Richard S. Smith a 1990 retired U.S. Army Lt. Col. and more recently, a staffer with the National Education Association from 1992-2010. I met Ms. Caruthers in 2004 in my capacity as a member benefits consultant and advisor to the various business enterprises providing products and services to the NEA membership and their families. I soon recognized that Ms. Caruthers presented her designation as a CSA (Certified Senior Advisor) to a level that exceeded expectations. Her technical knowledge of the topic, Long-Term Care management, was without equal. More significant was her empathy and ability to connect with her client or audience as she explained the web of options one should consider in confronting the challenges of longevity. She is sought after by insurance agents and financial planners as they recognize the service that she can provide to the financial decision making for their clients. She is unquestionably at the top of her industry and performs with the upmost of integrity and reliability.”

    https://www.ltccinc.com/wp-content/uploads/2019/12/test-image.png
    Richard S. Smith

    “Linda Caruthers builds on her teaching past to be the perfect partner for clients and advisers as they explore the many facets of long term care planning. With an emphasis on compassion and education, Linda offers a warm, comfortable approach when talking about long term care planning, and her deep knowledge of the provider marketplace makes her a great partner for anyone who has questions about Aging in Place.”

    David Hillellsohn DHill Financial, LLC