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Meet Our Team

           of Retirement Healthcare Experts

Tracy Russo, CLTC


With an extensive career in insurance, Tracy brings an educated and enthusiastic perspective to solving the needs of retirement healthcare. She began her career at HTA in 1998, where she worked managing and recruiting agents in the world of health insurance.  Throughout the years, she has grown to become a nationally recognized specialist and advocate for both Medicare and Long-Term Care education.

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Nicole Kennedy, CLTC

Director of Relationship Management

Nicole has over 7 years of experience working in the insurance industry as a specialist in both Long-Term Care and Medicare products.  Her knowledge and expertise has helped hundreds of agents and financial advisors in finding the best solution for their client’s needs.

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Kathy Bretzel

Director of Business Development 





Denise Wolverson

Office Manager




Brian McDevitt

Brokerage and Logistics Coordinator





Nadia Barry

New Business Leader




Advisor Services Division

HTA  has a dedicated staff to quickly and accurately provide quotes and/or statuses.  Our team members are professional, knowledgeable, friendly, and make your HTA experiences truly rewarding.

 Client Services Division

Our Retirement Healthcare Advisors are available to help educate and provide guidance to consumers regarding Medicare Insurance, Long Term Care Planning and other Retirement Healthcare Solutions.