About Us — Meet Withbert W. Payne, CPA
Chartered Accountant, CPA, and independent insurance broker with decades of experience in accounting and 25 years in LTC insurance
Withbert W. Payne, CPA, CA, CGMA
Withbert W. Payne is a Chartered Accountant (CA), Certified Public Accountant (CPA), and CGMA with decades of experience in accounting and finance — and 25 years as a licensed, independent insurance broker. This rare combination of credentials means every client receives the rigorous financial analysis of a seasoned CPA alongside the market expertise of a dedicated insurance professional.
Bert has been a licensed insurance broker since 2001, specializing exclusively in long-term care insurance. He personally reviews every client's policy, explains his findings in plain language, and recommends solutions tailored to each client's specific financial situation — all at no cost. His CPA background means he always views LTC planning in the context of the complete financial picture: tax advantages, estate planning considerations, and cash flow impact.
As an independent broker, Bert represents no single carrier. He compares policies across the full market to find the best fit for each client's health profile, assets, and goals. His only obligation is to you.
"I have no obligation to any insurance company. My only obligation is to my client."Work with Withbert →
Why Work With a CPA?
Most insurance agents are licensed to sell — but few have the financial training to audit. As a CPA and Chartered Accountant, Bert evaluates every policy through the lens of tax efficiency, cash flow impact, and long-term financial security. That's a level of analysis you won't find at a typical insurance agency. He doesn't just ask "what does this policy cover?" — he asks "is this the most financially efficient way to protect your assets?"
Our Approach
- We listen first — your needs drive our recommendations
- We audit your existing policy before suggesting changes
- We compare carriers across the full market
- We explain everything in plain language — no jargon
- We never charge fees
- We recommend policies with lifetime benefit options
Career Timeline
Bert's career spans decades across accounting, healthcare finance, and insurance — giving him a depth of perspective unmatched in the LTC industry.
Independent CPA-level reviews of life, disability, long-term care, and business insurance portfolios for professionals, executives, trustees, and families. Consistently achieves 30–40% improvement in policy efficiency. Coordinates reviews with clients' CPAs, attorneys, and wealth advisors for fully integrated planning outcomes.
Served accounting and legal professionals with tailored life and long-term care solutions, deepening carrier-side expertise in the insurance needs of high-income clients.
Founded and led a hospital financial consulting firm specializing in Medicare reimbursement strategy and financial performance improvement for healthcare institutions. Grew the practice over nearly three decades, representing more than 75 hospitals, before completing a successful sale in 2001 and continuing operations through 2009.
Managed hospital audits across Northern California for the Medicare program, overseeing compliance and financial accuracy across a large portfolio of hospital accounts.
Managed internal audits across Life and Health divisions — acquiring direct operational knowledge of how insurance companies assess risk, structure coverage, and manage financial performance. Experience that directly informs policy analysis for clients today.
Managed hospital audits and Medicare program compliance across a large portfolio of Chicago-area hospital accounts. Developed deep expertise in healthcare reimbursement and insurance operations from within a major national insurer.
Audited public companies in London under one of the world's premier professional services firms. Developed the rigorous independent analytical standards that remain central to his practice today.
Completed formal articleship training — the foundation of a career built on meticulous financial analysis — auditing small and medium-sized businesses under the demanding standards of English professional accountancy.
Credentials & Education
Withbert W. Payne holds a credential set that is exceptionally rare in the LTC insurance industry — decades of experience as a CPA and Chartered Accountant, combined with 25 years as a licensed independent insurance broker.
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CPA
Certified Public Accountant — CaliforniaIssued by the California Board of Accountancy. Requires rigorous examination, experience requirements, and continuing professional education.
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FCA
Fellow Chartered Accountant — Institute of Chartered Accountants in England & WalesThe Fellow grade — the highest membership level — of the ICAEW, founded in 1880. Widely regarded as one of the most rigorous professional accounting qualifications in the world. Equivalent to the CPA in the United States. Earned through formal articleship training and examination at H. Foulkes Lynch School of Accountancy, London (1963–1968).
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CGMA
Chartered Global Management AccountantA joint designation of the AICPA and CIMA, recognizing expertise in management accounting and strategic financial leadership across global organizations.
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GCE
General Certificate of Education — MathematicsOak Grove Boys’ School, Himalayas (1956–1961). Examination administered by the University of Cambridge.
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CA
Chartered Accountant Training — England & WalesH. Foulkes Lynch School of Accountancy, London (1963–1968). Professional accountancy training leading to Fellowship of the ICAEW.
Why We Do This
Long-term care is one of the most significant financial risks facing Americans today. The statistics are stark: 70% of people over 65 will need some form of long-term care, and the average lifetime cost exceeds $1.8 million. Yet most people remain dramatically underinsured — or have no coverage at all. We founded ltccpas.com to change that, one family at a time.
Ready to speak with a CPA who specializes in LTC insurance? All reviews are 100% complimentary. Contact us today →