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The focus...
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Today there are three
ways to buy long-term
care protection: One is to enroll in a group plan if one is
offered through your employer. Another is to call one of the
large insurance companies and talk with one of their so-called "captive
agents". The third is to talk with an independent specialist
who works with several companies, rather than just one. I am
an independent long-term care
specialist based in Rochester, NY. The software I use is able to
instantly compare features and pricing from multiple providers to
customize a plan just for you. There's no extra cost for
that service, and you'll experience NO sales pressure at any time.
"There
are four kinds of people in the world: Those who have been
caregivers, those who are caregivers, those who will become
caregivers, and those who will need caregivers." -
Rosalyn Carter
This is the most
complicated planning step that
most of us will ever consider. Not only so, but it's a hard
subject to think about emotionally, as well. Certainly
nothing should ever be done in
haste, but remember that it's not about whether or not you'll receive
care: It's about whether or not your family's lives will be disrupted
and possibly devastated by your need for care - so don't delay!
My Play
When I'm not working, I
enjoy time with my
wife
and family, boating and fishing - often with the four kids and ELEVEN
grandchildren - teaching continuing education classes at the local high
school, and producing educational videos featuring the Erie
Canal at www.lowbridgeproductions.com.
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To serve you
better:
Stephen Drew, CFP®, CLTC is a
CERTIFIED
FINANCIAL PLANNER® Practitioner who is certified in long term
care. He's also a registered investment representative with the Wall
Street Financial Group in Fairport, NY.
Securities
offered through Wall Street Financial Group, Inc. (WSFG) Member
NASD/SIPC 255 Woodcliff Drive, Fairport, NY 14450 800.836.4652. WSFG
does not offer insurance or long term care products. WSFG does not
offer tax or estate planning; you should seek the advice of your tax
professional or attorney. WSFG is not responsible for the accuracy
contained herein or on websites or literature referenced herein;
information is the opinion of the author and not that of Wall Street
Financial Group. Securities services offered by Stephen Drew may not be
provided to individuals residing in any states other than NY. Insurance
services provided by Stephen Drew may not be provided to
individuals residing in any states other than NY. Purchases are subject
to suitability.
Certified Financial Planner Board of
Standards,
Inc. owns the certification marks CFP®, CERTIFIED FINANCIAL
PLANNER®, and the federally registered CFP (with flame logo) in
the US, which it awards to individuals who successfully complete CFP
Board's initial and ongoing certification requirements.
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