About Us


Why We Do What We Do

Established in 2016, NAOSA is a leading organization dedicated to empowering older adults and advocating for their rights and well-being. We are a trusted resource that connects older adults with screened professionals and businesses who have demonstrated a genuine commitment to serving their needs.

Through our rigorous screening process, we carefully select and vet professionals from various fields, including finance, real estate, home care, legal, and more. While we do not issue credentials or certifications, we thoroughly evaluate our members based on their qualifications, experience, reputation, and adherence to our stringent code of ethics. Join us in our mission to protect and empower older adults, and together, we can make a positive difference in their lives.

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Why Choose Us?

For Consumers:

When you do business with NAOSA, you can be confident that you are partnering with professionals who prioritize your safety and well-being. Our members’ dedication to consumer protection, scam alerts, and educational seminars ensure you receive the best guidance and support tailored to your needs. 

For Professionals: 

Joining NAOSA is not just about being part of a network; it’s about belonging to a community of like-minded professionals committed to making a positive impact in the lives of older adults. As a member, you gain access to invaluable resources, training, and ongoing support, setting you apart as an expert in the field of senior care. Moreover, by being part of our network, you can confidently refer your clients to other vetted professionals, ensuring they receive top-notch service and care.

At NAOSA, we strive to be the go-to destination for consumers seeking reliable services and for professionals who are committed to making a real difference in the lives of seniors. Together, we are transforming the way senior care services are delivered, creating a safer and more trusted marketplace for everyone involved.

Join us today and experience the difference of working with a community that truly cares. Together, let’s shape a brighter and more secure future for seniors and their families.

Leadership and Advisory Board


Anthony L. Cinotti

Anthony’s personal and professional experiences were the motivating factor behind starting the National Association of Senior Advocates. Anthony has served older adults in the senior living industry beginning in 2011, having worked in different roles for large and small retirement community systems in the U.S. Anthony started his professional career in the insurance and investment field in 1989. Throughout his professional career, he has witnessed first-hand how unethical professionals take advantage of less knowledgeable individuals, which lead to the founding of NAOSA.  


Anthony J. Zagami, Esquire

Appointed General Counsel to the United States Government Publishing Office (GPO) in 1990, Anthony “Tony” Zagami enjoyed a long career of public service. Before coming to the GPO, Tony served for nearly nine years as the General Counsel to the Joint committee on Printing. Prior to joining the Congressional Committee, Tony was the Staff Assistant to the Secretary of the Senate and worked in the U.S, Senate Chamber with the Official Reporters of Debates. Mr. Zagami is a member of the District of Columbia Bar, The U.S. District Court and Federal Court of Appeals; and he is certified to practice law before the United States Supreme Court. He is an elected official and former Chairman of the Board of Directors of the U.S. Senate Credit Union and has served as a past President of the Capitol Hill Chapter of the Federal Bar Association.


Denis P. O’Donovan

Denis P. O’Donovan served as a top advisor to the U.S. Senate HELP Committee, the U.S. Senate Commerce Committee and the U.S. Senate Rules Committee. He also served in the Office of the Secretary of the Senate. As a result, Denis is highly regarded for his expertise on the policies and procedures of the U.S. Senate. During his Capitol Hill tenure, Denis assisted in the management of HELP Committee legislation, including the Mental Health Parity Act, the Health Information Technology for Economic and Clinical Health Act the Reauthorization of the American with Disabilities Act, several retirement and aging initiatives and other landmark measures within the jurisdictional oversight of the committee. In his role as deputy senior advisor with the Senate Rules Committee, Denis worked on campaign finance and election reform legislation. After leaving Capitol Hill, he served as Director of Government Affairs for the Christopher and Dana Reeve Foundation. Denis also served as a Public Health/Congressional Mission Advocate for the U.S. Department of Homeland Security. Currently, Denis heads D.P. O’Donovan, LLC, a firm that specializes in government relations and management consulting. He currently serves as a Director for the U. S. Senate Federal Credit Union and chaired that organization’s Board of Directors from 2003-2006.


Philip Florenzo, Esquire

Mr. Florenzo has been practicing law for over 20 years in private practice and as an in-house counsel in the corporate legal departments of public and private companies. His career has focused on providing general counsel services to global US-based software, technology, and professional services companies. Mr. Florenzo has served as general counsel for organizations in the United States, Canada, the United Kingdom, France, and India. He served as a member of executive management teams and a corporate officer responsible for all legal matters including corporate governance, commercial and government contracts, human resources, mergers and acquisitions, litigation management, and intellectual property, including corporate counsel to a publicly-traded company and has held legal management roles with operations in eighty countries. Mr. Florenzo has served as President and General Manager of several patent-holding companies tasked with enforcing patent portfolios across the US. Mr. Florenzo has served as the lead negotiator in hundreds of transactions and mediations opposite Fortune 100 companies. Mr. Florenzo is admitted to practice law in the State of Maryland and is a registered member of the United States Patent Bar.


Katherine Thornton

During her career in public service, Ms. Thornton held several regional and national leadership positions at the Social Security Administration, most recently as the Deputy Chief of Staff. She also played key roles in the administration of the Social Security Disability Insurance program. In addition, Katherine was the Staff Director to the Social Security Advisory Board where she guided Board studies of retirement and disability policy, financing of the Social Security Trust Funds, and healthcare reform She also served on a special assignment to the International Social Security Association as a Program Manager. Ms. Thornton is a member of the National Academy of Social Insurance and has been a Trustee and Treasurer of the Washington Ethical Society.


Don Graves

Don is the founder of the HECM Advisors Group. He and his colleagues provide the advisor communities a trusted resource for accurate and current HECM Reverse Mortgage information. Don’s focus is on helping, training, and partnering with professional advisors in discovering the (4) most commonly overlooked strategies for the Reverse Mortgage tool and how it can positively impact their practice.

Since the year 2000, he trained more than 10,000 advisors. His specialties include Certified Continuing Education Instructor with the Financial Planning Association, Department of Banking and Insurance as well as the Real Estate Commission for several states. Reverse for Home Purchase, Housing Wealth in Distribution Planning, HECM uses for Financial Advisors. He is also an Adjunct Professor – Retirement Income Planning-Adjunct Professor – Retirement Income Planning with The American College of Financial Services.


Victoria Hathaway, Realtor ®

Victoria is the Director of the Silver Group Senior Division of the Bob Lucido Team of Keller Williams Integrity and Lucido Global logo, the largest agency in Keller Williams Realty. She is a dedicated professional serving older adults both professionally and on a volunteer basis. In addition to her role as Director of the Silver Group, she currently serves as:

  • Commissioner: Howard County Maryland Commission on Aging
  • Howard County Housing Opportunities Master Plan Task Force
  • Advisory Board Member, Odyssey Program, Certificate On Aging, Johns Hopkins University
  • Board Member of several senior living communities
  • President, Coalition of Geriatric Services
  • Volunteer Meal Deliverer, Meals on Wheels of Central Maryland, Inc.
  • Volunteer Driver, Neighbor Ride

Jim Higgins, Realtor ®

Jim Higgins started his career in real estate in 1983. He is a Life Member of the Greater Capital Area Association of Realtors (GCAAR) and has served on numerous GCAAR Committees, including the GCAAR Grievance Committee. Jim is currently serving his fifth term of the GCAAR Professional Standards Committee, assisting on code of ethics violations as well as contractual disputes and specific non-contractual disputes (Arbitration). Mr. Higgins is a licensed realtor in Maryland and the District of Columbia.





Cathy Richards, MA

Cathy is an award-winning speaker, author, coach, and strategist for wellness and healthy aging. She is the author of the Amazon Bestseller “BOOM: 6 Steps to a Longer, Healthier Life”, working with both corporate and senior living groups delivering exciting and content-rich programs. Cathy’s “Never Too Early, Never Too Late” message for a strong body, sharp brain, and endless energy resonates with senior living and corporate audiences alike.
Cathy earned the C. Everett Koop National Health Award for corporate wellness while at Marriott International. Later, while serving as the Director of Wellness for the 12th largest not-for-profit continuing care retirement community in the U.S., she became a certified Brain Fitness Facilitator and supported the development of an award-winning Brain Fitness program.

Cathy merges her expertise in health and wellness with her motivational message and mantras to deliver inspiring keynotes and training sessions for groups of all ages. She has been featured in numerous magazines and newspapers, including the Washington Post. She is a frequent fitness guest on W*USA TV 9 in Washington, D.C.


Mark Brownstein, CSA ®

Mark Brownstein is the Director of Emerald Medicare and a Certified Senior Advisor® based in Rockland, New York. Committed to education and individualized assistance, Mark boasts over forty years’ experience in the insurance and Medicare fields with service to hundreds of clients, elders and families. Mark’s devotion to kindness and compassion merits his success in the New York Metropolitan area, the larger Northeast and throughout the United States. Mark is a licensed insurance broker in over fifteen states and is contracted with fifteen local and national insurance carriers. Mark conducts business in accordance with state and federal guidelines for brokers in America and actively supports continuous training and edification for insurance industry personnel. Also known as “Medicare Mark,” he is a renowned radio show host for WRCR’s Rockland Radio AM1700. Listen on the first Friday of each month to hear Mark explain the details of Medicare amidst invited guests and featured interviews.Mark has ventured across the country in pursuit of Medicare solutions and insurance related research. His expertise in providing personal and equitable assistance goes beyond the individual, resulting in company milestones and substantial growth for organizations. Mark is proud to engage with his local community and advocates for both small and large businesses; he is a board member for several resident establishments such as the Rockland Business Association, the Business Council of Westchester, and CPS Elite Advisors, LLC. Mark also participates in regional events by presenting at institutions such as Montefiore Hospital and Nyack High School.

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