Board of Directors

Melissa Barnickel

melissa_barnickelMelissa Barnickel is a CPA, a CLTC, (Certified in Long Term Care), and a licensed insurance agent specializing in Long Term Care Insurance (LTCi). Over the past 40 years she has worked for KPMG as an auditor and consultant and held significant financial positions such as Controller, Vice President of Finance and Leader of LTC Sales for two different insurance brokerages. She has worked in the LTCi industry for 23 years. Her extensive financial background allows her to provide her clients with a customized policy that blends well with their retirement income and resources.  As an independent broker, Melissa represents her clients to educate to enable them to make an informed decision.

Melissa works with other brokers, financial planners, CPAs, attorneys and other trusted advisors to educate their clients on the details of LTCi, Life insurance, Disability insurance, and Health insurance and how having insurance is an important part of a financial plan. Her services complement those that she works with professionally while providing direct client interaction.

First Maryland Disability Trust

1400 Front Avenue, Suite 303

Lutherville, MD 21093

Phone: 410-296-4408

Fax: 410-296-1290

Email: [email protected]