Melissa Barnickel

Membership Information


Melissa Barnickel


Baygroup Insurance, LLC



Melissa Barnickel is both a Certified Public Accountant (CPA) and a licensed insurance agent specializing and certified in Long Term Care (CLTC). Throughout her career, Melissa served as Controller and Vice President of Finance, and Leader of LTCi Sales for two insurance brokerages, as well as working as an auditor and consultant for KPMG. Her extensive financial background enables her to customize policies to meet the individual needs of her clients.
In addition to working one on one with private clients, Melissa interfaces with other professionals: brokers, financial planners, CPAs, attorneys. Together with these advisors, Melissa educates individuals about the importance of insurance as part of their total financial plan. She advises clients about various types of insurance including life, health, disability and LTCi policies.
In order to tailor a policy to clients’ individual needs, Melissa evaluates their current financial positions, personal expectations, and budgetary constraints. She represents several insurance carriers and is licensed in many states. Therefore, she is able to compare potential policies and advise her clients as they select the policy that best meets their needs. As a result, Melissa’s clients and their families become well protected now and for the future.