CONTACT INFORMATION:
Melissa Barnickel, CPA, CLTC
Website
410-557-7907
Melissa@baygroupinsurance.com

Baygroup Insurance is an independent insurance brokerage committed to providing comprehensive consumer education and insurance solutions from highly-rated insurance companies. Baygroup Insurance is a broker of high quality Long-Term Care insurance (LTCi), life insurance, disability insurance, and health insurance policies.

About Melissa Barnickel

Melissa 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 36 years she has worked for KPMG as an auditor and consultant. She has also 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 19 years. Her extensive financial background allows her to provide her clients with a customized policy that blends well with their retirement income and resources.

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. When Melissa customizes a policy for a client she listens to what coverage a client hopes to gain from an insurance policy as well as their budgetary constraints. She is a broker of many different insurance carriers, and as a result she will compare carriers and do all of the “leg work” and shopping for her clients. Melissa is licensed in many states.

As a local operations executive for a national brokerage, she provided product assistance to agents and coordinated relations with insurance carriers. Melissa is Coordinator of the Maryland Long-Term Care Insurance Roundtable, Past-Chair and current member of the Financial Planning Committee for MD Association of CPAs; Past-President, Past-Secretary and member of the Baltimore Chapter of Women in Insurance and Financial Services; Past-President and member of Geriatric Assistance Information Network; and member of Baltimore Estate Planning Council, Chesapeake Professional Women’s Network, Financial Planning Association of Maryland, Harford County Chamber of Commerce, Hunt Valley Business Forum, National Aging in Place Council – Baltimore Chapter (NAIPC), Harford Leadership Academy Alumni Association and Life Planning Resources.