Ricki Pagano, MSW, CLTC

Ricki Pagano has devoted her life to helping people cope with problems not of their making, problems that could befall any one of us.

Ms. Pagano graduated from the University of Arizona in 1981 with a Bachelor's Degree in Psychology, and three years later received her Master's Degree in Social Work from Arizona State University.

She spent the next 15 years working in the field of medical social work where she developed an expertise in, and love for, the area of geriatric care. It was here that she learned how essential it is to our own sense of well-being that we are able to maintain control over our own lives. And it was here that For the Record was conceived as a valuable tool for helping people regain and maintain that control.

Since 2001, Ms. Pagano has worked in the financial services industry, and recently established Pagano LTC, a firm which focuses exclusively on long-term care insurance planning. "I get tremendous satisfaction from helping people maintain their quality of life and independence," she says. "We can help them make this happen by protecting them against the financially and emotionally devastating effects of incapacity."