Core Team
A core team of nationally known practitioners: Specifically assembled to meet the needs of high net worth families, the LTC Risk Advisors team includes LTC risk management experts:
• Financial planners
• LTCI policy, underwriting and claims specialists
• Tax attorneys
• Financial services communication specialists
• Actuaries

Professionals on the care side of the business: The Senior Wellness and Home Care team is dedicated to enhancing the quality of life for senior clients and their families:
• Geriatric wellness experts
• Geriatric disease management specialists
• Care managers who manage the plan and provide close supervision
• Care providers who can travel with clients

How our distinctive staff teams with your relationship managers and clients to meet the long term care needs of high net worth clients.



Ben Oehler, Chairman   For more than 30 years, Ben has served as trusted advisor to individuals, business owners and philanthropic organizations. He recently retired as President and CEO of Waycrosse, the family office for owners of Cargill, one of the largest private companies in the world. He previously spent 20 years in investment banking management at Dain Bosworth, US Bank Piper Jaffray, and as CEO of WayTrust. Ben’s clients have included JP Morgan, Control Data, Burger King, Pentair, Northern States Power and Cargill. more

Howard Rubin, President   Howard’s sales engineering skills have been the basis of founding three national financial services marketing companies that achieved unusually high market penetration by focusing on customer needs and education. The primary focus of these ventures: long-term care insurance for bank trust customers and associations; Section 125 TPA for more than 1,000 employers and 150,000 employees; and bank consumer promotions for Wells Fargo, US Bank, Citibank and others. Howard is also co-founder of Nation’s CareLink, which has grown to become the largest LTC care management network in the United States.  more

Ralph Leisle, Executive Vice President  As founder of LTCi Decision Systems, Inc. and developer of patented cutting-edge financial planning software, Ralph works with financial planners, attorneys and CPAs who advise their high net worth clients on health risks, tax advantages and charitable giving utilizing long term care insurance. He is a regular contributing author to financial and insurance professional journals, and has testified before state legislature regarding LTCi issues. Ralph is nationally recognized for his leadership in emerging tax, legal and product trends that have made LTCi a superior risk mitigation tool vs. a self-funded investment strategy. more

Joel Theisen, RN, Director of Long-Term Care  Joel is the founder of CEO of Age Well, Minnesota’s leading preventive, holistic provider of LTC care managers and providers. He has nearly 20 years’ experience focused on home care provider services, and pioneered the 7-Step Program for Aging Well. After training as a critical care nurse at the Mayo Clinic, Joel then served as a national director for InHomeHealth and as CEO for AdvoLife, a leading California home care and senior services company. more