About Legacy

We are an independent broker that
specializes in long term care insurance

Why Work With Us


Founded in 1999, Legacy is an independent broker that specializes in LTCi. We help you select the right product, insurance company, and benefit structure for your personal situation.


We have conducted 800+ seminars and 15,000+ phone consultations. From this experience we developed an educational process that gives you the knowledge to make informed decisions.


Our agents provide price comparisons on the
top traditional and hybrid products. They also
explain coverage options, tax strategies, and
carrier ratings to help you find your best LTCi.

Meet Our Team

Brad Winnekins


Brad founded Legacy in 1999.
His analysis of long term care insurance products has been featured in Kiplinger’s Personal Finance, The Wall Street Journal and Employee Benefit News.

Brad enjoys playing music, hiking, and reading American history.

Cary McGroarty


Cary McGroarty has specialized in LTCi since 2002. She wears many hats at Legacy, including office manager, accountant, licensing, underwriting, and assists with new program implementations.

Cary enjoys playing volleyball, hiking, & spending time with family.

Jeff Penisten, CLTC


Jeff has specialized in LTCi since 1996. In 2007 he received the Sales Achievement Award for being in the top 100 nationally from AALTCI. Jeff is also a certified long term care professional (CLTC).

Jeff enjoys motorcycle touring, gardening, and pickle ball.

Debra Carpenter, LTCP


Debra Carpenter is a certified Long Term Care Professional (LTCP). She has won Ash Brokerage’s Long Term Care Award and has held a management position at one of the largest LTCi carriers.

Debra enjoys golfing and spending time with family and friends.

Brian Starr, CLTC


Brian Starr has specialized in LTCi since 2008. He is a certified long term care professional (CLTC), a Dave Ramsey Endorsed Provider, and has been a Mountain West Top Producer since 2009.

Brian enjoys fishing, traveling, and spending time with his family.

Lori Martin, CLTC


Lori Martin has specialized in LTCi since 2010. From Lori’s family experience, she understands the physical, emotional, and financial consequences of caregiving and the importance of having a plan.

Lori enjoys chasing wildlife from her garden, family time, and quilting.

Rhonda Vry-Bills, CLTC


Rhonda Vry-Bills has specialized in LTCi since 1996. She has served on national discussion panels, contributed to industry articles, and has been recognized as a top 10 producing agent nationally.

Rhonda has two children and enjoys volunteering with JR Achievement.

Kim Raffel


Kim has specialized in LTCi since 2000. He joined Legacy after working at John Hancock. Kim’s responsibilities include phone consultations, onsite seminars, and product analysis.

Kim enjoys bicycling, canoeing, and camping with his family.

Linda Thalheimer, CLTC


Linda has specialized in LTCi since 2000. Her background in health care and family experience with long term care gives her a unique advantage to helping clients make informed decisions.

Linda enjoys being with family and manages a volunteer program for young adults to make/keep friends.