Longevity Planning Concerns and Strategies to Combat the Silent Portfolio Killer
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Linda Mantello (732) 450-8866 ext. 36 [email protected]
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November 01, 2018
2:00PM - 4:00 PM ET
Summary
Countless research reports show that people over the age of 65 will need some form of Long Term Care (LTC) during their lifetime. These reports also show that a traditional, “plain vanilla” LTC insurance policy is the not right fit for all who are looking for quality care throughout their LTC experience, while also protecting their assets. Insurance companies raising rates on existing Long Term Care contracts does not give fiduciary-minded advisors a hall pass to bury their head in the sand and ignore this critical aspect of addressing a client’s overall financial plan
The LTC insurance industry has experienced substantial evolution during its nearly three-decade lifespan. That has been in order to meet the changing wants and needs of advisors and their clients who are looking to lock in premiums that increase. Advisors and clients also want unlimited contracts that will pay for extended care for 10 or 15 years, for lengthy battles with Alzheimer’s or other serious conditions.
America’s senior population is growing dramatically, especially the “oldest old” – those over age 85. By 2050, nearly 20 million Americans will be over the age of 85. This presentation will provide an overview of the evolution of the long term care insurance market, new solutions and concepts, and discuss legislation that provides alternatives which provide advisors and clients the choices they deserve. More importantly, it will provide advisors with actual strategies and solutions available to help clients create plans today that protect assets in the future and provide for a better quality of life when they need care.
Learning Objectives
Pending CE Credit.
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Speakers
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Marguerita M. Cheng, CFP® is the Chief Executive Officer at Blue Ocean Global Wealth. Prior to co founding Blue Ocean Global Wealth, she was a Financial Advisor at Ameriprise Financial and an Analyst and Editor at Towa Securities in Tokyo, Japan. Marguerita is a past spokesperson for the AARP Financial Freedom Campaign and a regular columnist for Kiplinger. She is a CFP® professional, a Chartered Retirement Planning CounselorSM, a Retirement Income Certified Professional® and a Certified Divorce Financial Analyst. As a Certified Financial Planner Board of Standards (CFP Board) Ambassador, Marguerita helps educate the public, policy makers, and media about the benefits of competent, ethical financial planning. She serves as a Women’s Initiative (WIN) Advocate and subject matter expert for CFP Board. Marguerita also volunteers for CFP Board Disciplinary and Ethics Commission (DEC) hearings. She served on the Financial Planning Association (FPA) National Board of Directors from 2013 – 2015 and is a past president of the Financial Planning Association of the National Capital Area (FPA NCA). She is a recipient of the Ameriprise Financial Presidential Award for Quality of Advice and the prestigious Japanese Monbukagakusho Scholarship. |
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 Lee Conti, Jr.
Director
Lee Conti, Jr. is a Director with CPS Elite Advisors Insurance Svcs, as well as a nationally recognized speaker on cutting edge insurance trends. Lee focuses on coaching advisors on cutting-edge risk management strategies in the areas of Longevity Planning, Disability Protection, Long Term Care, Linked Benefits, and Life Insurance. Lee is committed to the highest fiduciary standards and he has dedicated the last 20 years to helping advisors design insurance programs to help their clients protect and augment wealth. He is certified nationally as a Continuing Education instructor for Insurance Credit sessions and is also approved to teach CFP® Continuing Education courses to financial advisors. Lee has been a breakout speaker at financial planning industry conferences since 2006 and is consistently a go-to resource for advisors on insurance-related questions. He takes pride in creating and teaching dynamic sessions that allow advisors to walk away with practical information to help their clients plan for a better future. Lee's passion for education led him to serve on the FPA of NY’s Board of Directors as Co-Chair of the Spring Forum and Director of the Practitioners monthly meetings before becoming President in 2016. |
Marguerita M. Cheng, CFP®