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Janet Lang
Executive Assistant -
Linda Orth
Administrative Assistant -
Michael FitzPatrick
President and Co-Founder -
Mary Ellen Murray
Seminars & Client Events -
Jeremy Karja
Case Design (1st Income Advisors) -
Mike Dranoff
Life Insurance & Estate Planning -
Clark Crawford
Case Design (NJL&C) -
Gaea Meola
Underwriting (NJL&C) -
David DeSantis
Graphic Design/Special Projects

Janet Lang
Executive Assistant
Executive Assistant Morristown Workplaces
Member of The LTC Partnership, LLC’s Administrative Team
Janet Lang is an onsite LTC team member focused on the customer experience and facilitates the client underwriting process and LTC marketing initiatives. She is also responsible for data entry of client information and diverse administrative duties. Previously, Ms. Lang worked as a Convention Coordinator for CE South and Hoffend Expositions.
Ms. Lang received her Associate’s degree from St. Petersburg Junior College. She is a member of the Morris County Chamber of Commerce. Ms. Lang lives in Roxbury, New Jersey, with her husband, John, and three children. In her down time, she volunteers at the Growing Stage Theater Company in Netcong.
Experience and Qualifications
Janet Lang is a key member of the LTC Partnership team. With a focus on the customer experience, Ms. Lang oversees the company’s client underwriting to ensure the process is progressing in an efficient and timely manner. She is also responsible for client data entry and the administration of LTC’s marketing initiatives.
Select Experience
- Morristown Workplaces
- CE South
- Hoffend Expositions
Professional and Community Affiliations and Activities
- Morris County Chamber of Commerce
- Growing Stage Theater Company
Education
- St. Petersburg Junior College – Associate of Arts Degree

Linda Orth
Administrative Assistant
Linda Orth
Morristown Workplaces
Member The LTC Partnership, LLC’s Administrative Team
As a team member on The LTC Partnership’s Administrative team, Ms. Orth is responsible for multiple administrative and customer service functions. Previously, Ms. Orth worked as an Executive Assistant at several financial services firms. Ms. Orth attended Bergen Community College where she studied Early Childhood Education. She lives in Roxbury with her two-year-old twin daughters, Samantha and Leah.
Experience and Qualifications
As a member of the LTC Partnership team, Ms. Orth assists with multiple administrative and customer service functions. Previously, she worked as an Executive Assistant at several financial services firms, including, Morgan Stanley, Barclay’s Capital and Merrill Lynch.
Select Experience
- Morgan Stanley – Executive Assistant to US Equity Strategist, Managing Director
- Barclay’s Capital – Executive Assistant
- Merrill Lynch – Executive Assistant to Chief Technology Officer (Pax Division)
Professional and Community Affiliations and Activities
- Twin and Triplets Mom’s Club
Education
- Bergen Community College

Michael FitzPatrick
President and Co-Founder
Michael B. FitzPatrick, CLTC
Co-Founder and President of The LTC Partnership, LLC
Founder and CEO of the Long Term Living Association (LTLA)
Michael B. FitzPatrick, Co-Founder and President of The LTC Partnership, LLC, and Founder and CEO of the Long Term Living Association (LTLA), helps retirees develop a plan to protect against the two greatest concerns: running out of income and/or spending all their money on health-related issues that are not covered by traditional forms of health insurance or Medicare. Mr. FitzPatrick has been awarded a professional degree in the field of long-term care, Certified in Long-Term Care (CLTC), which enables him to provide comprehensive education to consumers and other professionals in areas such as financial planning, tax law, home care, government funding and elder law. Mr. FitzPatrick is a graduate of Fairfield University and The Delbarton School.
BIO
Experience and Qualifications
Michael B. FitzPatrick, Co-Founder and President of The LTC Partnership, LLC, and Founder and CEO of the Long Term Living Association (LTLA), helps retirees develop a plan to protect against the two greatest concerns: running out of income and/or spending all their money on health-related issues that are not covered by traditional forms of health insurance or Medicare. He has been specializing in retirement income solutions and long term care planning options since 2001. Mr. FitzPatrick has been quoted in numerous publications, been a guest on radio programs and written extensively on this topic because of his thought leadership on retirement and income planning solutions and long term care options. These include Advisor Today, Caregivers, The Daily Record Newspaper and Southwest Airlines magazine. He has been awarded a professional degree in the field of long-term care and has received the CLTC certification (Certified in Long-Term Care). He provides comprehensive education to consumers and professionals in areas such as financial planning, tax law, home care, government funding and elder law. Mr. FitzPatrick is a graduate of Fairfield University and The Delbarton School.
Selected Experience
- The LTC Partnership, LLC – Co-Founder and President
- The Long Term Living Association (LTLA) – Founder and CEO
Appearances and Published Articles
- Appeared on WMRT radio show (1250 AM) as Long-Term Care
- Guest Speaker at the Garden State Women’s Magazine 4th and 5th Annual Financial Conference
- Guest Speaker at the Annual LTC Producer Summit in Kansas City and Austin Texas
- Guest Speaker at the 2006 National Caregivers Symposium
- Featured Story in Advisor Today Magazine: “Young and Hungry” and “Harvesting the Gold”
- Featured Story in Service Market Advisor Magazine: “Get ‘em While They’re Young”
- Frequent Contributor to Sales Strategies Magazine
- Featured Articles on the New Jersey Society of CPA’s Online Forum
- Frequent Contributor to Sales Strategies Magazine
- Featured Articles on the New Jersey Society of CPA’s Online Forum
Professional and Community Affiliations and Activities
- Recipient of the “Entrepreneur of the Year Award” from the Morris County Chamber of Commerce
- Entrepreneur Organization (EO) Accelerator Member and Board of Directors
- Board Advisor and Member of the American Association for Long Term Care Insurance (AALTCI)
- Executive Board Member of Array of Hope
- Member of the Morris County Chamber of Commerce
- Member of National Association of Insurance and Financial Advisors (NAIFA)
- Member and Supporter of Center for Long Term Care Reform
- Holds the Designation: Certified in Long-Term Care (CLTC)
- Past Board Member for LTC Financial Partners, LLC (One of three Producers elected nationally)
- Past Board Member for the Matthew C. Sollitto Foundation
- Past Advisor to Children Rise (an organization producing a documentary on the street children in South Africa along with the AIDS pandemic)
- Past Chair of Morris County Chamber of Commerce Young Professionals Committee
- Past Chair of the Coalition of Family Caregiving in Overlook Hospital
- Member of S.O.A.R. (Support Our Aging Religious)
- Past Member of the Parish Advisory Council (P.A.C) – Christ the King Church
- Qualifying Member of the Million Dollar Round Table
- Basketball Coach – Harding Township Recreational League
- Past Big Brother/Big Sister’s Mentor
Education
- Fairfield University – Bachelor of Science Degree in Marketing
- The Delbarton School

Mary Ellen Murray
Seminars & Client Events
Mary Ellen Murray
Event and Seminar Coordinator
The LTC Partnership, LLC, and the Long Term Living Association (LTLA)
Mary Ellen Murray assists with the organization, coordination and follow-up of all LTC Partnership and Long Term Living Association(LTLA) events and seminars. Ms. Murray is a member of the Morris Township Open Space Committee, which works to preserve Morris County land for recreation, conservation and open spaces purposes. She is also a member of the Whippany River Watershed Action Committee which helps to preserve, protect and maintain the land and water resources of the Whippany River Watershed. Ms. Murray earned a Masters of Arts in Reading at Keane University and is a Certified Reading Specialist. She received a Bachelor of Arts Degree from Boston College.
Experience and Qualifications
Mary Ellen Murray assists with the organization, coordination and follow-up of all LTC Partnership and Long Term Living Association (LTLA) events and seminars. Previously, she was a first-grade teacher at South Mountain School at the South Orange-Maplewood School District. Before assuming that role, Ms. Murray served as Advertising Sales Director of Administration and Director of Professional Development for McGraw Hill Publishing Company and as Director of Advertising Administration at Quick and Reilly, a New Jersey-based brokerage firm. Ms. Murray earned a Masters of Arts in Reading at Keane University and is a Certified Reading Specialist. She received a Bachelor of Arts Degree from Boston College.
Selected Experience
- LTC Partnership and Long Term Living Association (LTLA) – Seminar and Events Coordinator
- South Orange-Maplewood School District – First Grade Teacher, South Mountain School
- McGraw Hill Publishing Company – Advertising Sales Director of Administration and Director of Professional Development for McGraw Hill Publishing Company
- Quick and Reilly – Director of Advertising Administration
Professional and Community Affiliations and Activities
- Morris Township Open Space Committee
- Whippany River Watershed Action Committee
- Morris Township Republican Committee
- Christ King Catholic Church – Eucharist Minister
- Volunteer at local emergency homeless shelters
- Tutor children in reading and writing
Certifications
- Certified Reading Specialist
Education
- Kean University – Master of Arts in Reading
- Boston College – Bachelor of Arts Degree

Jeremy Karja
Case Design (1st Income Advisors)
Jeremy Karja
Vice President of Sales – First Income Advisors
Case Design, Market Analysis and Business Development – The LTC Partnership, LLC
Jeremy Karja is a financial services professional who helps the LTC Partnership with case design, market analysis and business development. As Vice President of Sales for First Income Advisors, he is responsible for helping top financial advisors grow their practices, achieve their maximum potential and assist individuals and couples achieve their retirement goals and dreams.
Experience and Qualifications
Jeremy Karja, Vice President of Sales for First Income Advisors, is responsible for helping top financial advisors grow their practices, achieve their maximum potential and assist individuals and couples achieve their retirement goals and dreams. Similarly, he assists with case design, market analysis and business development for LTC. Previously, Mr. Karja worked at Fortune 100’s Allianz SE in the company’s Allianz Life of North America wholly-owned subsidiary. In this role, he worked with advisors and assisted them in practice development and business growth. He also spoke nationally about Allianz Life’s product offerings. Mr. Karja is a graduate of the University of Minnesota, Mankato, with a Major in Business Management and a Minor in Business Administration. He is firm believer that helping others not only benefits recipients but also results in one’s own personal and professional growth. Mr. Karja is very active in his church and enjoys sports and the outdoors with his wife, Katherine, and their five children.
Select Experience
- First Income Advisors – Vice President of Sales
- Allianz Life of North America
Professional and Community Affiliations and Activities
- Active in church organizations and activities
Speaking Engagements and Published Works
- National Speaker for Allianz Life
Education
- University of Minnesota, Mankato – Bachelor of Science in Business Management with a minor in Business Administration

Mike Dranoff
Life Insurance & Estate Planning

Clark Crawford
Case Design (NJL&C)
Marketing Director
New Jersey Life & Casualty
Case Design, Market Analysis and Business Development – The LTC Partnership, LLC
Clark Crawford, Marketing Director at New Jersey Life & Casualty (NJL&C) and a longtime veteran of the life insurance industry, provides case design and market analysis and assists in business development for The LTC Partnership. His experience in the boutique life insurance brokerage industry helps NJL&C to deliver the best in class recommendations for each individual client’s needs.
Experience and Qualifications
Clark Crawford is the Marketing Director at New Jersey Life & Casualty (NJL&C) and a longtime veteran of the life insurance industry. Since 1999, Mr. Crawford has been deeply involved with advanced case design, market analysis and business development. Mr. Crawford has expertise in addressing the insurance needs of affluent client and complex medical and lifestyle situations and providing creative solutions to intricate insurance problems. His experience in the boutique life insurance brokerage industry helps NJL&C to deliver the best in class recommendations for each individual client’s needs.
Selected Experience
- NJL&C – Marketing Director
- Madison Brokerage – Brokerage Manager
- Volios Group, LLC – Vice President
Education
- University of Phoenix – Bachelor of Applied Science, Financial Planning and Services
- University of Phoenix – Associate of Arts Degree in Accounting

Gaea Meola
Underwriting (NJL&C)
New Jersey Life & Casualty
Associate Director of Marketing and New Business
Underwriting – The LTC Partnership, LLC
Gaea Meola Associate Director of Marketing and New Business for New Jersey Life & Casualty (NJL&C), provides underwriting support for The LTC Partnership, LLC. She also manages cases through underwriting to policy delivery. She joined New Jersey Life & Casualty in 2013 following a three-year tenure running a regional insurance agency. Prior to entering the insurance industry, Ms. Meola worked as a Project Manager in the architecture, design and construction industry. As a key member of the NJL&C’s Executive team, she has become an important part of the company’s continued growth and success. Ms. Meola is also a licensed Life Insurance Producer in the State of New Jersey.
Experience and Qualifications
Gaea Meola joined New Jersey Life & Casualty (NJL&C) in 2013 as Associate Director of Marketing and New Business following a three-year tenure running a regional insurance agency. Prior to entering the insurance industry, Ms. Meola worked as a Project Manager in the architecture, design and construction industry. As a key member of the NJL&C’s Executive team, she has become an important part of the company’s continued growth and success. Ms. Meola works closely with clients to identify possible underwriting challenges to expedite the overall underwriting process. Ms. Meola is also a licensed Life Insurance Producer in the State of New Jersey.
Selected Experience
- New Jersey Life & Casualty – Associate Director of Marketing and New Business
- Lon B. Moss, Inc. – Senior Case Manager
- Chapin Architectural Services – Project Manager
- Todd Koenig Architect – Senior Project Manager
Licenses
- Licensed Life Insurance Producer

David DeSantis
Graphic Design/Special Projects
David DeSantis
Principal Desantis Creative
LTC – Graphic Design/Special Projects
David DeSantis, Principal at Desantis Creative, creates the graphic design for digital and print collaterals and special projects for The LTC Partnership. Mr. DeSantis, who has more than 25 years of experience in branding, corporate identity, marketing and graphic design, founded Desantis Creative in 1997. He earned a Bachelor of Fine Arts from Kean University, and an Associate degree in Communication Arts from Brookdale Community College.
Experience and Qualifications
David DeSantis is a visual problem solver who creates the graphic design for digital and print collaterals and special projects for The LTC Partnership. Mr. DeSantis has more than 25 years of experience in branding, corporate identity, marketing and graphic design and is Principal at Desantis Creative, a creative branding company he founded in 1997. In 2013, he co-founded and was a Partner in BRND, a Desantis Creative subsidiary that operate through 2016. Desantis Creative drives sales through integrated brand development and insights and ideas that connect with the Desantis Creative clients’ target markets. Mr. DeSantis earned a Bachelor of Fine Arts degree from Kean University and his Associate degree in Communications Art from Brookdale Community College.
Selected Experience
- Desantis Creative – Fair Haven, NJ
- BRND – Fair Haven, NJ
Professional and Community Affiliations and Activities
- Art Director’s Club of New Jersey
- American Advertising Federation
- Graphic Artists Guild
- AIGA
Awards
- American Graphic Design Award – Art Director’s Club of New Jersey
- Gold Award – Art Director’s Club of New Jersey
- ADDY (The American Advertising Awards)
- Print Magazine Regional Design Awards
- American Graphic Design Awards
Education
- Kean University – Bachelor of Fine Arts
- Brookdale Community College – Associate of Arts Degree in Communications Arts