Cathy Downs

Exceeding your expectations through Education, Service and Advocacy.

IARF, Registered Financial Consultant

HIAA, Long Term Care Professional

Society of Certified Senior Advisors, Certified Senior Advisor

Corporation for Long-Term Care Certification, Certified in Long-Term Care

Cathy is a Registered Financial Consultant and Financial Advocate serving clients in fee-based Estate, Business Transfer, Retirement, Investment, and Employee Benefits Planning.

Cathy began her career in 1986 with Transamerica as a part of its Broker/Dealer Compliance Department. After a promotion to the Operations Department, Cathy’s interests turned to Long Term Care Insurance, and she soon found herself in charge of Sales and Marketing for Transamerica’s thirteen state Western Region.

After ten years at Transamerica, Cathy enjoyed a four-year stint as Long Term Care Vice President at Travelers Life & Annuity, where she educated other insurance professionals on the intricacies of Long Term Care insurance, and helped them to build and grow their insurance practices. She was then aggressively recruited by Prudential Financial to replicate that success as Regional Sales Director for their eleven state Western Region.

In 2004, Cathy spent a year caring for her terminally ill mother, before joining LTC Navigators Insurance Services as Vice President. Through a three-year strategic partnership with Advisory Group West, a company which excels at Estate Planning, Cathy enabled LTC Navigators to evolve and become the thriving Financial Planning and Advocacy firm now known as Beneficent Financial, where she continues to focus on Retirement and Estate Planning.