Susan Kobara, CLTC

Susan Kobara, CLTC, is team lead, insurance marketing and long-term care, at Commonwealth Financial Network®, member FINRA/SIPC, an independent broker/dealer–RIA. Since joining the firm in January 2008, Susan has been our expert and primary point of contact for long-term care insurance, helping advisors design solutions to the catastrophic financial risk of health care costs and finding innovative ways to market the coverage. She also manages the firm’s long-term care insurance carrier relationships and product portfolio, as well as the Insurance department’s marketing initiatives. Susan holds a BA in sociology from Queens College, City University of New York, and an MBA from Loyola Marymount University in Los Angeles.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

Find me on:

Recent Posts

What's the Key to More Effective Long-Term Care Planning?

To Self-Insure for LTC or Not? How to Assess Your Clients' Options

Protect Clients' Retirement Assets from Long-Term Care Risk in 3 Steps

Why You Can't Afford to Ignore the Insurance Conversation

Should Some Clients Self-Insure for Long-Term Care?

What's the Key to More Effective Long-Term Care Planning?

Posted by Susan Kobara, CLTC

July 12, 2016 at 10:00 AM

Simon Sinek is an author known for popularizing the concept of “Start with Why.” (It’s also the title of his first book.) In short, it’s a way of thinking and communicating that inspires people to take action, such as purchasing a product. Talking only about the how and the what of a product is a recipe for inaction, because without the why, there is no compelling reason to buy.

Read More

Topics: Risk Management

To Self-Insure for LTC or Not? How to Assess Your Clients' Options

Posted by Susan Kobara, CLTC

November 11, 2015 at 1:30 PM

This post originally appeared on the blog in October 2014.

Conventional financial planning wisdom suggests that high-net-worth individuals should consider self-insuring for long-term care expenses. Surprising, perhaps, but there's some truth to the idea. For select clients, it makes sense to self-insure for LTC, although it's certainly not right for every wealthy client.

Read More

Topics: Risk Management

Protect Clients' Retirement Assets from Long-Term Care Risk in 3 Steps

Posted by Susan Kobara, CLTC

February 3, 2015 at 10:00 AM

Long-term care planning can be a controversial topic, generating enthusiastic discussion and debate among advisors. Given the increasing length and cost of extended care, however, it's also one of few ways to protect clients' retirement assets from long-term care risk.

Read More

Topics: Risk Management

Why You Can't Afford to Ignore the Insurance Conversation

Posted by Susan Kobara, CLTC

January 27, 2015 at 10:00 AM

Most advisors have discussions with their clients every day about the state of the markets, their portfolios, or their retirement plans. These usually positive interactions serve to reinforce your value as your clients' trusted financial professional.

But when was the last time you had a positive, satisfying insurance conversation? For that matter, when was the last time you had any conversation about risk management?

Read More

Topics: Risk Management

Should Some Clients Self-Insure for Long-Term Care?

Posted by Susan Kobara, CLTC

October 8, 2014 at 1:30 PM

According to conventional financial planning wisdom, high-net-worth individuals should self-insure for long-term care expenses.

You may be surprised to hear this from Commonwealth's Insurance department, but there's some truth to the idea. That's right: For select clients, it makes sense to self-insure for long-term care. But it's certainly not right for every high-net-worth client.

Read More

Topics: Risk Management

Commonwealth Business Review
5 Ways to Affiliate
The Independent Market Observer, Brad McMillan

Follow Us