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"After
personally seeing the true consequences
of a long-term care event, I am convinced
that long-term care represents people’s
biggest uncovered risk."
- Bob Bingham, CFP™
Bingham, Osborn, & Scarborough |
The following is an excerpt from our book Long-Term Care Planning:
Assuring Choice, Independence, and Financial Security.... by Allen Hamm,
President and Founder of Superior LTC Planning Services, Inc.
(See more excerpts below)
The Only Effective Way to Plan for Long-Term Care
The LTC Planning industry is heavily influenced by the insurance industry because
the foundation of today's LTC Planning is detrimentally rooted in the creation of LTC
insurance. LTC insurance was invented and extensively promoted prior to the mass
aging of America's population, which is ushering in the need to plan ahead. This fact
is responsible for most people lacking a plan for long-term care.
The most effective way to plan for long-term care is to clearly view LTC Planning as an integral
component of the financial and estate planning process. Embracing this viewpoint makes it
apparent that the first person to initiate your plan for long-term care is your financial
professional. Your advisor, who may be your Certified Financial Planner (CFP), Certified Public
Accountant (CPA) or Estate Planning Attorney, is familiar with your unique situation and can
work with an LTC Planning expert to make sure your plan is integrated with your personal and financial
objectives. This approach is called the Comprehensive Planning Approach to
long-term care.
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If you would like your current financial professional to learn more about the Comprehensive
Planning Approach, please click here and we will
send them information about our training and certification programs.
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We are happy to work with clients who do not live near our physical office. We have found that
with effective use of technology, such as virtual web meetings, e-mail, and teleconferences, our
clients are able to save time and still be served well.
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