Please note that the icons represent years of dedication to CLTC:
5+ years.
10+ years.
Lifetime Members
You may also see these special ribbons:
CLTC Accelerator Program
Author/Podcaster
John Koshy
CLTC
1 Chisholm Trail Bldg 1, Suite 450
Round Rock, TX 78681
Company: Symphony Retirement Partners, LLCRound Rock, TX 78681
Phone: 512-337-8060
Email: jkoshy@symphonyretirement.com
Website: www.symphonyretirement.com
Michelle Kosoi
CLTC
3788 Horizon Ridge Court
Simi Valley, CA 93063
Company: Pacific LifeSimi Valley, CA 93063
Phone: 888-206-5697
Email: michelle.kosoi@pacificlife.com
Theotokes Kouchis
CLTC
78 Permit CT
St Augustine, FL 32092
Company: New York Life St Augustine, FL 32092
Phone: 703-887-7691
Email: tkouchis@ft.newyorklife.com
Email: tkouchis@newyorklife.com
Mr. James Kovac
CLTC
685 462nd Rd
Beaver Crossing, NE 68313
Company: Thrivent Financial for LutheransBeaver Crossing, NE 68313
Phone: 402-534-2056
Email: Jamie.Kovac@Thrivent.com
Ms. Naomi Kowalik
CLTC
1621 4th Ave N
Sauk Rapids, MN 56379
Company: Kowalik and AssociatesSauk Rapids, MN 56379
Phone: 320-257-8888; (320) 420-1442
Email: naomi.k@kowalikandassociates.com
Iris C Kozak
CLTC
141 4 skye terrace
Delray Beach, FL 33446
Phone: 561-218-9918Delray Beach, FL 33446
Email: ikozak@ft.newyorklife.com
Diane Kraft-Dziedzic
CLTC
2004 Annies Way
Vienna, VA 22182
Company: Morgan StanleyVienna, VA 22182
Phone: 703-517-5650
Email: diane.kraft-dziedzic@morganstanley.com
Email: dziedzic.dianelk@gmail.com
Mr. Bradley Kraines
CLTC
6320 Canoga Ave 900
Woodland HIlls , CA 91367
Company: New York LifeWoodland HIlls , CA 91367
Phone: 818-294-4699
Email: bakraines@ft.newyorklife.com
Stephen KRAKOWER
CLTC
60 Railroad Place - Suite 405
SARATOGA SPRINGS, NY 12866
Company: Janney Montgomery Scott LLCSARATOGA SPRINGS, NY 12866
Phone: 1-518-583-5657
Email: SKRAKOWER@JANNEY.COM
Mr. Alan Kramer
CLTC
6 auer ct
East Brunswick, NJ 08816
Company: New Your Life Insurance CompanyEast Brunswick, NJ 08816
Phone: 732-967-1700
Email: ajkramer@ft.newyorklife.com
Disclaimer: This information is used only to verify an individual’s certification status with the Certification for Long-Term Care and is not meant as an endorsement. CLTC encourages the public to avail itself of additional resources such as FINRA Broker Check (brokercheck.finra.org), the IIROC website (www.iiroc.ca) or most state insurance offices have an area on their website where you can check the license status of your agent, and some will also allow you to check if there are any complaints.
