David W. Ghiorso, CPA, CLTC

David Ghiorso is a CPA, an independent Medicare Health Insurance Agent (broker), and is now providing Long Term Care Solutions to his clients, to help them protect their assets, from any unforeseen health related events, that could turn into a long-term care situation. David has earned the designation "Certified in Long Term Care", CLTC.

He is dedicated to helping people plan for the physical, emotional, and financial burdens Long Term Health Care (LTC) can have on family and loved ones. This dedication was sparked by seeing that his Medicare Clients, were not fully understanding that Long Term Care is not the same as health care, and that Medicare won’t pay for many things that are long term care related (ADLs).

He is not working in a vacuum, but collaborates with other Long Term Care brokers, like Mike Berger and Craig Matesky, of Acacia Insurance to bring the best Long Term Care plan design options to his Long Term Care Clients. He believes in the bible verse in Proverbs, that states “…there is wisdom in many counselors”, as the purchase of Long-Term Care insurance is a serious matter that takes diligent planning.

He brings his unique experiences and expertise to benefit each client by first educating and explaining what options they have so his clients will make informed decision—same approach he uses with his Medicare clients. He has learned that each of his clients appreciates being walked through the entire process, from company selection, benefit design chosen, through application and underwriting so that each feels comfortable that their plan will perform.

His own parents bought LTC plans 20 years ago (monthly payments); however, it turned out the coverage they purchased was only for home care. About nine years ago, his father died of cancer three months after being diagnosed, and never really received any significant benefit from the LTC plan they paid into for those many years.

Dave has purchased a LTC policy for him and his wife.He understands the challenges of reviewing the different LTC plan design choices, and costs, and making a decision about what to choose---without knowing how it will all turn out! Wouldn't this be much easier if we all knew the future! Alas, that would probably take the fun (hope) out of life as we know it. 

David is licensed in California, and prefers to focus on the California market, rather than trying to “be everything to everyone’, by trying to cover all 50 states. He is an endorsed Agent with the American Association for Long Term Care Insurance, and has his CLTC designation.

His clients enjoys meeting his clients face-to-face best; however, he can meet by phone and the computer, with the convenience of a simple screen sharing technology, allowing his clients to review their options while viewing his computer screen.

David works with the top insurance companies in the industry who feature Long Term Care Solutions including traditional plans and Linked benefit products that include life insurance or annuities with Long Term Care benefits. This allows for the most flexibility in options for his clients. He understands how these plans work, how they are underwritten as well as the claims process.

A California native, David earned a Bachelor of Science Degree (accounting) from Cal State, Stanislaus. In 1984, he obtained his CPA. He began his Medicare business in 2017. In his free time, he enjoys traveling, hiking, tennis, reading, and playing with his grandchildren.

If you or a family member have any questions or would like more information, David would be happy to assist you!