About Us

We are here to help you with the LTC Planning Process.  We will make sure that you are comfortable with your decision and understand the options and products you have available.


We offer a number of products and carriers to best assist you in your planning process: 

            genworth              transamerica                    

                Life Secure                                        John Hancock



headshot Tracy Russo, CLTC

Tracy Russo, CLTC is a Partner at HTA Financial Services, Inc., a professional insurance brokerage group, and a founding Partner of the National LTC Education Center

Ms. Russo provides professional LTC training to consumers, financial planners and advisors, insurance agents, and attorneys. Programs provide instruction on Medicaid, evaluating the LTC need, how legislation affects families and puts their retirement portfolio at risk, why LTC planning needs to be part of asset protection plans, and what to look for in a good LTC insurance plan.  She has been asked to speak at financial planning firms, Chamber of Commerce and NAIFA meetings, and consumer seminars.

Ms. Russo has helped numerous insurance agents provide appropriate LTC Planning to their clients through training and personal sales assistance.  She was ranked 8th in the Nation for Group/Multi Life LTC Sales by the American Association for LTC Insurance in their 2012/2013 Sourcebook.

Tracy Russo is a Finance graduate of West Chester University of Pennsylvania, Magna Cum Laude, with an Economics minor. She joined HTA Financial Services, Inc. in September of 1998.  In 2005, Tracy created the LTC Division at HTA and became certified as a CLTC.  In 2007, Tracy was promoted to Partner at HTA Financial Services, Inc.   



Nicole Marchand, CLTC

Nicole Marchand, CLTC is a Certified LTC Insurance Specialist (Through the Corporation for LTC Certification created by Harley Gordon, Esq) at HTA Financial Services, Inc.

Ms. Marchand’s expertise is in both traditional long term care and linked benefit products. Having experienced the extreme changes in the LTC industry in the past 5 years, Nicole has the knowledge on the most innovative tools and solutions to fit any client’s needs.  In Jan 2014, she was quoted as an expert LTCi resource in the Wall Street Journal's online MarketWatch report and over 300 major print and broadcast national news services.

Ms. Marchand has trained over 200 insurance agents and financial planners on the ins and outs of the LTC Industry. Nicole has successfully created numerous LTC Training events for HTA with an excess of over 100 insurance agents in attendance. Nicole has been a featured speaker for Naifa. In addition, she is a certified Trainer for the LTC Partnership Certification (a course required by all insurance agents interested in selling LTCi).

Due to her vast knowledge of LTC product features and the industry as a whole, she can come up with a creative solution for any client situation regardless of medical history or premium concerns. She provides expert recommendations for agents to present to their clients.

Nicole Marchand is a Marketing graduate of West Chester University of Pennsylvania, Cum Laude.



Tracy, you are GREAT at your job. I loved your presentation! Your energy and passion come through. It’s nice to see someone who loves what they do!
Take care,
Dale Morgan, PA