About NAOSA

The National Association of Senior Advocates is a Professional Organization of Businesses and Professionals who Specialize in the Unique Needs of Older Adults

Over 6 Years of Operating

Our Mission & Goal

Our Mission: Advocate for Older Adults and the Ethical Professionals Who Work with Them

Our Goal: Stop scams, fraud, and unethical business practices targeted at all consumers, especially older adults, via our social platforms and our network of vetted professionals and businesses. We want to ensure consumers also have a reliable, nationwide network of vetted businesses and professionals who they can rely on and purchase from with confidence.

NAOSA is the first organization to bring together professionals from multiple industries who are mutually bound by a higher standard of business conduct, the National Association of Senior Advocates Gold Standards of Professional Practice™

The NAOSA Gold Standards go above and beyond many legal and professional organization requirements, demanding one simple business practice; do what is right for the consumer, young or old.

NAOSA.org

Why We Do What We Do

Our goal is to stop scams, fraud, and unethical business practices targeted at all consumers, especially older adults, via our social platforms and our network of vetted professionals and businesses. We want to ensure consumers also have a reliable, nationwide network of vetted businesses and professionals who they can rely on and purchase from with confidence.

Industries

Business Partners

Board Members

States

HIGHER STANDARD

NAOSA Members Operate at a Higher Standard

The National Association of Senior Advocates is the first organization that has defined what industry insiders already know to be unethical business practices in their various industries. Although these practices are oftentimes legal, NAOSA industry experts agree that they are not in the best interest of consumers.

Caveat Emptor (“Buyer Beware”), the current legal standard for many professions, is not in our members’ standard operating procedures. The question: “Is this in the best interest of my client?” is the standard under which our members operate.

All NAOSA members are vetted prior to acceptance. The vetting process includes a background check, license verification, agreement to uphold the National Association of Senior Advocates Gold Standards of Professional Practice™ as well as an online review check via various online consumer review websites and industry-specific sources. Members in violation of our standards are subject to membership revocation.

HIGHER STANDARD

NAOSA Members Operate at a Higher Standard

The National Association of Senior Advocates is the first organization that has defined what industry insiders already know to be unethical business practices in their various industries. Although these practices are oftentimes legal, NAOSA industry experts agree that they are not in the best interest of consumers.

Caveat Emptor (“Buyer Beware”), the current legal standard for many professions, is not in our members’ standard operating procedures. The question: “Is this in the best interest of my client?” is the standard under which our members operate.

All NAOSA members are vetted prior to acceptance. The vetting process includes a background check, license verification, agreement to uphold the National Association of Senior Advocates Gold Standards of Professional Practice™ as well as an online review check via various online consumer review websites and industry-specific sources. Members in violation of our standards are subject to membership revocation.

THE BOARD

Leadership and Advisory Board

Founder

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. Anthony still holds his life and health insurance license in Maryland and is a Life Insurance Underwriters Training Counsel Fellow.

Co-Founder
General Council Emeritus, U.S. Government Publishing Office

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.

Vice President, Government Relations

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.

General Counsel

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.

Advisory Board
Former Deputy Chief of Staff, Social Security Admin (Retired)

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.

Advisory Board
Reverse Mortgage Founder and President, Housing Wealth Institute

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.

Advisory Board
Annuities, Investments and Life Insurance

Tom Henry, CFP ®

Tom Henry is the President and Founder of Integrated Financial Solutions, Inc. He has over two decades of experience working in the financial planning industry. Tom established Integrated Financial Solutions in 1998. Tom works with both corporate and individual clients but specializes in planning for retirees or people within five years of retirement. He has been honored in Baltimore Magazine as one of Baltimore’s Five Star Wealth Managers for the past three years. Tom is an LPL Registered Principal who holds the Series 06, 07, 24, 31, 63, and 65 through LPL Financial, as well as insurance licenses in the District of Columbia, Delaware, Florida, Georgia, Indiana, Maryland, North Carolina, New Mexico, Ohio, Pennsylvania, Virginia, and West Virginia. He graduated from Gettysburg College, majoring in Business and Finance.

Advisory Board
Real Estate

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, MARYLAND GERONTOLOGICAL ASSOCIATION
  • 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

Advisory Board
Real Estate

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.

Advisory Board
Senior Living and Healthcare

David Denton

Since 1987, David has successfully led and improved healthcare and senior living community operations in Continuing Care Retirement Communities (CCRCs), post-acute and acute care. Experienced with national chains, regional corporations, faith-inspired organizations and stand-alone facilities in both the for-profit and not-for-profit sectors, David brings a vast amount of experience to the healthcare delivery system and aging services. In 2014, David assumed the role of General Manager at Fox Hill, Bethesda, Maryland. Throughout his career, David has been recognized for his passion, values, entrepreneurial spirit and results-oriented leadership style. His community service work currently includes serving as a Commissioner on the Montgomery County, Maryland, Commission on Aging and Co-Chair of the Health & Wellness Committee. A graduate of Ithaca College’s Administration of Health Services program with a minor in Gerontology, David has never lost sight of what inspired him to do his part in creating healthy, remarkable communities wherever he is called to serve. As founder of Inspirit Health Advisors, LLC, David consults and presents on various topics associated with aging in America.

Advisory Board
Health and Wellness

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.

Advisory Board
Medicare Supplement and Medicare Advantage Insurance

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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Free Consumer Scam Alert & Newsletter

Avoid Scams Targeting You & Your Loved Ones

We publicize unethical business practices across a wide range of industries and alert you on the latest scams. Stay safe, get educated, and sign up now!

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