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    • Home
    • LTC Basics
      • The LTC Planning Gap
      • The CAREfidence Process
      • Quantify The Need
      • Planning for LTC
      • The Self-Funding Realty
      • TAX-FREE Annuity Upgrade
      • Necessary Legal Documents
      • Don't Go It Alone
    • Design A Plan
      • Could This Be YOUR Plan?
      • Customize A Plan For Me
      • Insurance Options for LTC
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  • Home
  • LTC Basics
    • The LTC Planning Gap
    • The CAREfidence Process
    • Quantify The Need
    • Planning for LTC
    • The Self-Funding Realty
    • TAX-FREE Annuity Upgrade
    • Necessary Legal Documents
    • Don't Go It Alone
  • Design A Plan
    • Could This Be YOUR Plan?
    • Customize A Plan For Me
    • Insurance Options for LTC
    • Insurance Carriers
  • About Us
    • What Is CAREfidence
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Who is CAREfidence

Mike Padawer, CLTC

Alfred Current, CLU, CLTC

Michael Valdez, CFP

Clearwater, FL


Mike is the founder of CAREfidence and a Long-Term Care Planning Strategist.  He moved to Clearwater in 2022 and is also the founder and president of INERTIA/Advisor Services Group, a wholesaler of LTC Planning solutions for the financial advisory community.


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Michael Valdez, CFP

Alfred Current, CLU, CLTC

Michael Valdez, CFP

Tampa, FL


Michael is a CAREfidence Long-Term Care Planning Strategist who has been serving clients since 1983.  His practice is dedicated to meeting the financial goals of individuals and business owners over age 50.   He currently resides in Tampa with his wife, Peggy. 


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Rob Klein, CLTC

Alfred Current, CLU, CLTC

Alfred Current, CLU, CLTC

New York, NY


 Rob is a financial advisor and CAREfidence Long-Term Care Planning Strategist with more than three decades of experience.  He is passionate about helping clients plan to age in place,  avoid the consequences of cognitive decline,  and maintain their lifestyle. 


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Alfred Current, CLU, CLTC

Alfred Current, CLU, CLTC

Alfred Current, CLU, CLTC

Sarasota, FL


Alfred is a CAREfidence Long-Term Care Planning Strategist and president of Current LTC. He has 25 years of experience in financial services, ensuring that families and business owners sleep well at night.  He is active in his community and resides in the Englewood / Port Charlotte, Florida area.


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