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

Ms. Melissa Kremers
CLTC
3093 Eager Rd
Jamesville, NY 13078
Company: Northwestern Mutual Jamesville, NY 13078
Phone: 585-248-4758
Email: melissa.kremers@nm.com

Mr. Scot A Kretzschmar
CLTC
21445 Palomino Dr
Prior Lake, MN 55372
Company: ThriventPrior Lake, MN 55372
Phone: 612-306-3401
Email: scot.kretzschmar@thrivent.com
Email: scot.thrivent@gmail.com

Mr. Mike Krikorian
CLTC
8484 Westpark Dr. Suite 700
Mclean, VA 22102
Company: Northwestern MutualMclean, VA 22102
Phone: 703-568-8330
Email: Alice.krikorian@nm.com
Email: Mike.krikorian@nm.com

Ms. Joyce Krinsky
CLTC
3940 Silver Springs Rd
Cumming, GA 30041
Company: ValicCumming, GA 30041
Phone: 770-715-7508
Email: joyce.krinsky@corebridgefinancial.com
Email: joyce.krinsky27@gmail.com

Mr. Lance Kroesch
CLTC FIC
2955 Dawn Dr, Ste 103
Georgetown, TX 78628
Company: ThriventGeorgetown, TX 78628
Phone: 512-686-1542
Email: lance.kroesch@thrivent.com

Morgan Krokstrom Williams
CLTC
741 N. Main St.
Sikeston, MO 63801
Phone: 573-703-3330Sikeston, MO 63801
Email: Morgan.Williams@RaymondJames.com

Ms. Erica Kroll
CLTC
777 E Wisconsin Ave
Milwaukee, WI 53202
Company: RW Baird & CompanyMilwaukee, WI 53202
Phone: 414-298-2499
Email: ekroll@rwbaird.com
Douglas Krueger
CLTC
1910 S Grandview Ln
Bismarck, ND 58503
Company: New York Life Insurance Co.Bismarck, ND 58503
Phone: 701-426-6654
Email: dkrueger00@ft.newyorklife.com
Email: krueger.doug64@gmail.com

Gary Krueger
CLTC
1101 Riverside Blvd
Norfolk, NE 68701
Phone: 402-371-2820Norfolk, NE 68701
Email: austin.krueger@thrivent.com

Mr. Mark Kruman
CLTC
1224 General Washington Memorial Blvd
Washington Crossing, PA 18977
Company: PrudentialWashington Crossing, PA 18977
Phone: (215)369-1554
Email: steven.kruman@prudential.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.




