Our Team



LTC Advisors is actively seeking licensed, independent agents  (FL 2-15) who are interested in serving the senior market. Attend an upcoming briefing at our One Senior Place office.  Contact us to learn more.   






Please talk to us to learn more about this unique opportunity and look forward to building your career while helping others.

For additional information, or to RSVP call Teresa at (407) 949-6722 or click below.


Over 50 years of combined experience . . . .

Teresa Risner - MBA LTCP CLTC

After a career as an Air Force Officer, and then as a University Professor, Teresa became professionally committed to the issue of long term care when she saw how emotionally wrenching and expensive such care became during her mother’s final years.  She watched as long term care depleted her mother’s life savings and eventually created a financial burden for the entire family.  In addition, her cousin was diagnosed in her late 40s with Alzheimer ’s disease, and as a result Teresa realized that long term care need is no respecter of age.  These experiences drove home the importance of education and early planning.

In addition to an MBA, Teresa is also Certified in Long Term Care (CLTC), and a Long Term Care Professional(LTCP). Over 20 years her approach has been to educate, inform, and present available options.  She is well known around Central Florida for her services and public speaking engagements on issues involving aging and long term care.  She also serves on the Board of the Creative Care Association which brings music and arts into the lives of long term care residents.


Office: 407-949-6722 

Cell: 407-920-3911 


Joy Yankovich - CLTC

Joy Yankovich has been in the financial industry for over 20 years and specializes in serving those planning to retire.  She understands the significant impact that extended care needs can have on a family. Her own family's issues have driven home the importance of developing a life plan that encompasses adequate planning as well as retirement income goals.  She has a gift for explaining the complicated in a way that both clarifies and distresses potentially challenging issues.

She is known for her in depth knowledge and straightforward approach to helping people understand practical and affordable solutions for all of their planning needs.   Joy can assess your requirements and help you choose an appropriate strategy to help protect your financial independence and maintain your peace of mind.


Office: 855-200-5822 

Cell: 941-426-6493


Rob Mather

Rob Mather moved from Rome N.Y. to Florida in 1998. While in Rome Rob ran a successful business as a General Contractor for over 20 years.  Before moving to Orlando, Rob tried to help his mom choose a Medicare plan and found out just how confusing the system can be.  Rob saw that there was a real need for seniors to find an insurance agent who can help them navigate through the Medicare system and choose the right plan to meet their individual needs.  Today Rob still treats every client as if they were his own Mom or Dad.


Cell: 407-733-5080


Dick Markel


My mission in life is to help seniors and their families protect their financial security and plan for the future. Having been a caregiver for five years to a wife with Alzheimer’s Disease, I completely understand the need for comprehensive healthcare, along with being educated and aware of your rights and options in protecting your family and financial security. Over the past many years, I have enjoyed the opportunity to consult with, and educate seniors on their rights and options during the retirement years. I hold myself to the highest level of personal and professional integrity and promise to only recommend solutions that are in your best interest.


Cell: 321-482-3400


Louis Caputo

In the late 1960s, Lou was an insurance professional with MetLife but after being offered a great opportunity, his career moved, over the next 38 years, to the marketing side of heavy equipment manufacturing, where he rose to global senior management.  In 2011, life took yet another turn when a close family member needed his help and support due to extended care needs.   It drew him back to the insurance industry where he uses his skills as a planner.  He has become skilled at helping people plan for long term care and navigate the Medicare puzzle. He has lived in Waterford Lakes with his wife Gloria for 20 years and is a proud father to three and grandfather to 8.  LTC Advisors is lucky to have his special brand of caring and calm assurance as he answers the needs of his community.

Cell: 407-341-7417


Valera Pinkard


Valera is the proud mother of 3 grown children and grandmother of 7.  She has been helping clients to understand the ‘difficult to navigate’ world of Medicare for over 5 years.  She is dedicated to serving our Seniors and younger disabled Medicare beneficiaries.  Her desire is to make simple finding a health plan to fit their needs.  Let her experience work for you. As a an independent insurance broker she is focused only on her clients;  helping them to save money and experience care in the best way for them.  She sums it up as helping her community to live a healthier, happier life; accessing all the benefits they are entitled to while helping them understand their options. She is active in her church, choir and community and loves the outdoors, pets, history, science, theater and music

Cell: 407-844-0802


Krissy Kasky


Before moving to Florida, Krissy was the owner of a successful specialty cheesecake bakery for over 8 years.  She still loves to bake but an experience with caring for a loved one lead her to an interest in working with seniors, especially in the Medicare, Long Term Care and Life Insurance fields.  In addition, she offers Legal Shield and ID Shield to further protect her clients in retirement.  She has focused her professional endeavors on educating seniors and their families on their options as they move into the third stage of life.  She lives with her husband Zach and her three children.  LTCA is lucky to have such a professional and caring member of their team. 

Cell: 407-575-2337


Sandra Stanley

After more than 10 years recruiting therapists into Skilled Nursing Facilities, Sandra decided to help people protect their dignity and their assets when a health crisis did happen.

She works closely with her husband Bob as a family oriented team offering expertise to seniors, in particular…understanding their health needs as well as their financial concerns.

Representing all of the major, top-rated insurance companies, Sandra and Bob are able to provide their clients with a variety of products that will satisfy their needs and concerns. Their philosophy is that the advisors’ responsibility and allegiance is with the client, not an insurance company.


Cell: 916-873-7529