Carroll Golden is one of the financial services industry’s leading authorities on long-term care, longevity planning, and the financial impact of aging. For more than three decades, she has worked at the intersection of insurance, retirement planning, and advisor education, helping financial professionals and organizations prepare clients for one of retirement’s greatest—and often most overlooked—financial risks: the need for extended care.

Throughout her distinguished career, Carroll has held executive leadership roles across insurance carriers, distribution organizations, and consulting, earning a reputation as one of the industry’s foremost experts on extended care planning. Her unique perspective allows her to bridge product knowledge, planning strategies, and real-world client conversations, giving advisors the confidence to address complex topics with clarity and compassion.

In recognition of her decades of leadership and lasting contributions to the profession, Carroll received the prestigious Intercompany Long-Term Care Insurance (ILTCI) Recognition Award—one of the industry’s highest honors celebrating individuals whose work has significantly advanced long-term care planning, education, and innovation.

Today, Carroll serves as Executive Director of the National Association of Insurance and Financial Advisors’ (NAIFA) Knowledge Centers and Collectives, where she leads initiatives that unite carriers, agencies, financial professionals, and industry leaders to address the evolving challenges of longevity, caregiving, healthcare costs, and retirement security. Through collaboration, education, and thought leadership, she continues to shape the future of extended care planning across the financial services industry.

A sought-after keynote speaker, Carroll is known for making complex planning issues practical, engaging, and immediately applicable. Drawing from decades of industry experience, she combines compelling stories, current research, and actionable strategies that help advisors navigate conversations around caregiving, family dynamics, healthcare expenses, and protecting retirement assets. Rather than focusing solely on long-term care insurance, she encourages advisors to adopt a broader planning mindset—one that prepares clients and their families for the realities of longer lives while preserving dignity, independence, and financial well-being.

Carroll is also an accomplished author of four books and a frequent contributor to leading financial services publications. Her passion for education, innovation, and improving client outcomes has made her one of the industry’s most trusted voices on longevity and care planning. Audiences leave her presentations with practical insights, renewed confidence, and strategies they can immediately implement to deepen client relationships, strengthen retirement plans, and help families prepare for life’s most important “what if” conversations.