Avoiding the Pitfalls of Long Term Care

March 24, 2022
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Watch the Recording

We hosted a conversation with two experts in the field of Long-Term Care Insurance, Denise Michaud and Natalie Oh about Avoiding the Primary Pitfalls of Long-Term Care – either burdening our families to become caregivers, running out of money or both.

This is a precarious situation already faced by millions of Americans and one most of us would like to avoid.

We hope you enjoyed the webinar, if you still have questions please reach out to your Griffin Black advisor or directly to Denise & Natalie.

Denise Michaud, CLTC, Insurance Advisor

Denise is an independent insurance broker, providing long-term care insurance planning for the past 28 years.  She brings a breadth of experience and expertise to all her clients, which includes:

  • Developed the first continuing education course that gives agents a process for determining suitable long term care insurance recommendations.
  • Advised the California Senate Sub-Committee on Aging and Long-Term Care on SB 953, relating to programs for the health and welfare of senior citizens.
  • Serving on the Agent Advisory Group for the California Partnership for Long-Term Care for 25 years.

Denise has served on the Board of the San Francisco Village, as Treasurer.  She has been a guest speaker at the Commonwealth Club of California, guest lecturer for students preparing for their CFP certification at UC Berkeley, and UCSC, Silicon Valley, and provides tutorials for several care management groups, in the Bay Area.

Denise’s most important personal experience came as a teenager, caring for her Grandmother who had Alzheimer’s.

She works with individuals, couples, executives, and employer groups.

Natalie S. Oh, CLU, Taran Insurance Advisory

Natalie has honed her expertise in the insurance industry for over 25 years.  She attended DePaul University, College of Law with the intention of becoming a prosecutor with the Cook County State’s Attorney’s Office but pivoted towards a career in insurance instead.  She specializes in working with high and ultra-high-net-worth clients with taxable estates, helping them transition their wealth to future generations while mitigating their tax burden.  She has worked with business owners, executives, family offices and foundations.

She has spoken at Wealth Management Conferences regarding the transition of wealth to second, third and even fourth generations and the raising of financially-responsible children who inherit wealth.

She has served on numerous Boards in Chicago, most notably – EWN (Empowering Women’s Network) which promotes the advancement of women in business; Alexian Brother’s Foundation, a division of the Foundation, dedicated to helping those afflicted with AIDS; and Hanul Family Alliance, an organization serving the elderly Asian American Commu


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