Meet our Lead Team

At Long Term Care Consultants, it’s our goal to stay in the forefront of the industry so that you have the best plan and advice. Meet our lead team below.

Linda Caruthers, CSA, LTCP®

Certified long-term care Planning Specialist

At the age of 47 my mother was diagnosed with a disease of the hip bone. Her hip bone was removed, and her leg was attached to her torso using a metal strip, resulting in one leg being much shorter than the other. She was totally homebound. I was ten years old.  My two sisters and I cared for my mother for 18 years until she passed away.  My father worked hard, long hours to keep up with expenses. I learned at a very early age what it takes to care for an infirm adult. My scars are not visible, however, there are deep scars in my heart and soul. There was no “normal” life in my home. I did not have a “normal” childhood, teenage years, or even young adult years. All three of us had to grow up really fast.

After spending ten years as a professional liability consultant, one of my clients shared with me a copy of his long-term care insurance policy.  It was my first introduction to the idea of insurance for long-term care expenses.  I read the policy and realized I already knew a great deal about long term care from personal experience.

Several years later I was encouraged to seek a long-term care specialist position with State Farm.  My mother was 47 years old when she needed care for the rest of her life. This motivated me to share with everyone who would listen the importance of planning for care at any age.

For the last 25 years I have dedicated my career to educating and serving families seeking to protect their loved ones from the burden of providing their long-term care.  I am humbled to say that after all of this time, I have had the opportunity to publish articles, teach countless classes, and serve on boards as a leader in the LTC industry.  I have become a sought-after specialist that educates clients on the advantages of long-term care planning, and creates tailored solutions to fit clients’ needs and get them the best possible value.  

If I can help even one family avoid the physical, financial, and emotional pain of caregiving for a loved one…then I have done my job.


Linda Caruthers has earned The Certified Senior Advisor (CSA)®, the leading certification for professionals serving older adults. Earning the CSA certification requires individuals to pass a rigorous exam and to uphold the highest ethical standards for the benefit and protection of the health and welfare of seniors.

Linda Caruthers has earned the Long-Term Care Professional designation offered by AHIP by completing multiple courses covering clients’ needs and options, financing, the product, and administration and claims.

Linda is a published author of several articles that have appeared in Health Care Reform Magazine focused on long-term care and was a cited expert on long-term care in an article in Virginia Business Magazine, Business Trends: Healthcare, An Industry Makeover, Genworth Financial. She is certified through the Commonwealth of Virginia to teach Virginia Long-Term Care Insurance Partnership Certification Continuing Education Classes and conducts personal educational meetings with individuals and employer groups. She also teaches Long-Term Care Insurance classes for the Adult Education Division of Chesterfield County Public School System, Lifelong Learning Institute in Chesterfield and Osher Lifelong Learning Institute at the University of Richmond. In addition, Linda is a past member of the Board of Directors of the Central Virginia Association for Health Underwriters, a local chapter of the National Association of Health Underwriters. She is the sought-after specialist that educates clients on the advantages of long-term care, tailors it to fit individual needs and shops solutions to get the best possible value for clients.

Linda Caruthers has earned The Certified Senior Advisor (CSA)®, the leading certification for professionals serving older adults. Earning the CSA certification requires individuals to pass a rigorous exam and to uphold the highest ethical standards for the benefit and protection of the health and welfare of seniors.

Jared Williams, CLTC®

Certified Long-Term Care Planning Specialist

My first experience with long-term care was watching my mother spend years providing and managing the care for my grandmother.   I watched her begin spending hours at my grandmother’s home and later spending nights and weekends.  I watched her struggle to manage working full-time, caring for our family, and trying to make sure my grandmother was safe and cared for.  I watched as the last remaining land in our family was sold in order to pay for ongoing care so that my mother could spend some time at home with her family.  And while I have no doubt that my mother dearly loved my grandmother and appreciated all of the time she was able to spend with her in her final years of my grandmother’s life, there is no doubt that it took a physical, emotional, and financial toll on my mother and our family

So as a former retirement and investment advisor I always brought up the topic of long-term care planning with my clients.  Unfortunately, I simply didn’t know what I didn’t know and looking back I didn’t help many of those families to the degree that I wish I had.  

Then I met Linda Caruthers.  I knew that I wanted to bring in an expert to give the families I worked with the highest degree of service and expertise possible.  Linda and I began working together with several of my families, and I had the privilege of learning more about long-term care planning than I ever imagined.  After three years of working together with my retirement clients, Linda asked me to consider becoming a full-time, long-term care planning specialist and working alongside her in Long-Term Care Consultants.  

To make a long story short, I saw that there was not a single long-term care planning specialist in my local area and realizing that – like myself in the past – most of the financial professionals around me – while of course well-meaning – simply don’t have the knowledge to effectively help families make these critical decisions.  So I agreed to transition my career and obtained my Certification in Long-Term Care®.  With my background in investment and retirement advice, I bring a unique skill set and out-of-the-box thinking to the long-term care planning and funding process.   

And most importantly, I truly care about all of the people that I have the privilege of working with.  I am passionate about helping you develop the best possible plan for you to protect the people you care about the most and/or make sure you are able to receive the best care for yourself if the need arises.  


Jared Williams has earned a professional designation in the field of long-term care, Certified in Long-Term Care (CLTC). The program is independent of the insurance industry and focuses on providing financial service professionals with the tools needed to meet their client’s needs for long-term care.

What our clients are saying

“As a result of their philosophy, I refer clients to them on a regular basis.”

John W. Verheul

MD, MPH, HealthVisions MD

“Unquestionably at the top of their industry.”

Richard S. Smith

retired Lt. Col., U.S. Army

“The human touch really matters, and LTCC makes your needs their priorities!”

Tinina Cade, Ph.D

Associate Vice President for Student Development, Univ of Richmond

“Our go-to-expert for anything related to long-term care insurance.”

John Millen

Managing Partner, PPG Benefit Solutions

“The perfect partner for clients and advisers as they explore the many facets of long term care planning.”

David Hillellsohn

DHill Financial, LLC

How to get started

Schedule a consultation. This is an easy way to see if we’re a good fit for you.
Create a unique plan that will work. We’ll build something for your lifestyle and your goals.
Enjoy peace of mind. We’re not happy until you are.

Want to learn more before having a consultation?

Our Guide to LTC Planning will get you started.

At Long Term Care Consultants we know you are the kind of person who wants to protect your loved ones from the burden of providing your care.  In order to do that you need a plan to know how your care is going to be funded and managed should you need it.  

The problem is the planning process can be frustrating and confusing.

We believe it shouldn’t have to be this way.  You and your loved ones deserve to feel confident about the future. 

We understand how confusing it is to plan for long-term care.

That’s why we developed an easy, done-with-you, consultative process – based upon our many years of experience – that can give you the very best options for your unique situation without you having to spend countless hours becoming a long-term care expert yourself.

Here’s how it works - schedule a free consultation, let us help you create a plan that will work for you, and enjoy the peace of mind that comes from knowing your loved ones will have the funds and expert support they’ll need, that you’ll be able to fulfill your other financial obligations, that your loved ones can maintain healthy relationships, that you’ll have more options for care, and your assets will be protected for others depending on them.

Schedule your free consultation so you can stop worrying about what might happen and start cherishing time with your loved ones.