About Us

FOR TWENTY-FIVE YEARS, All Vest and Center for Long Term Care Planning have successfully helped thousands of financial professionals and individuals better understand this risk and secure proper protection. We work with top rated carriers and pride ourselves on our integrity and personal service. We conduct our business under the guidelines for the Ethical Promotion of Long-Term Care Insurance developed by the Corporation for Long Term Care Certification.


Michael R. Teller, CLTC, CSA, President, is a specialist in long-term care insurance in Delray Beach, Florida. He works with individuals and advisors who want to better understand long term care planning and secure the proper protection.

Michael is a sought after expert and advisor to Financial Planners and Insurance Agents on the topic of long term care planning. He is the Continuing Education Chair of the Florida Association of Health Underwriters (FAHU). He is also a frequent speaker for the National Association of Health Underwriters (NAHU) and the National Association of Insurance and Financial Advisors (NAIFA).

With his educational based platform and extensive expertise, Michael helps individuals, business owners, and employer groups navigate the various long term care planning concepts and implement the programs appropriate to their specific set of circumstances. 

Michael graduated from the State University of New York at Binghamton with a Bachelors degree in economics and finance.  He is “Certified in Long Term Care” by the Corporation for Long Term Care Certification and is a Certified Senior Advisor. Michael is a Florida approved continuing education moderator for life insurance agents, health insurance agents, and CPA’s, (including the required National Association of Insurance Commissioners 8-hour Long Term Care certification course, 4-hour LTC refresher course, and the required 5-hour Law & Ethics course).

Michael R. Teller

Joan Roberts-Gould, CLTC, is a licensed life and health insurance broker and has specialized in long term care insurance planning for nearly 10 years with All Vest Associates. She is "Certified in Long-Term Care" and holds a CLTC designation granted by the Corporation for Long-Term Care Certification in conjunction with the National Academy of Elder Law Attorneys.

Ms. Gould is Senior Council, a board member and past-President of the National Association of Insurance and Financial Advisors' Broward County Chapter, Vice-President and board member of the Northeast Focal Point Community, Adults, Seniors and Alzheimer’s Day Care Center in Deerfield Beach, Florida, and a graduate of the Deerfield Beach Leadership Class of 2006.

Joan is an approved instructor for the Florida continuing education courses on long term care for life and health agents. Her area of expertise is designing long term care plans for individuals, business owners and their executives.

Joan R. Gould, CLTC

Certified in
Long Term Care

Stevie Naids, RN, MA, CRM, has specialized in the long term care industry for the past 25 years. She has worked both in insurance and care delivery. Stevie brings to long term care insurance over 12 years experience as a home health care administrator and supervisory experience in assisted living and skilled nursing facilities.

Stevie graduated from Broward Community College of Nursing and holds a Masters Degree in Counseling and Guidance from the University of Northern Colorado. She is a licensed life and health insurance broker and a Certified Risk manager in the State of Florida.


Stefan Naids,

Victoria A. Major-Bell, LUTCF, LPRT, has been serving her clients for over 25 years. She specializes in Long-Term Care planning through education, experience, and personal involvement.

She successfully built a devoted client base and believes deeply in the importance of long term care insurance and proper planning. Through education, training and by providing the tools necessary to design a program to fit their needs, Vicky has helped many families and business owners protect their assets, keep their independence, and retain their dignity with long-term care insurance.

Vicky is equally committed to assisting financial professionals in promoting long term care insurance to their individual and group clients. In addition, she is an active leader and officer in local, state and national chapters of the Association of Health Underwriters.

Victoria A. Major-Bell,

All Vest Associates works with these and other fine carriers:

John Hancock
Life Secure
Lincoln National


Mass Mutual
Med America
Mutual of Omaha 
New York Life

One America
State Life
United American