or LTC insurance, they are almost always older in age, poor in health, and attempting to acquire these kinds of insurances at a time of need when they either cannot qualify for it or cannot afford it. A Win-Win Opportunity My sincere hope is this article helps illustrate two extremely important realities. First, when it comes to LTC insurance, we have a job, duty, and obligation to proactively address this all-important topic with our clients. Second, we have a tremendous opportunity to provide our clients with some much-needed protection. In doing so, this can only strengthen our relationships, value, and practice. As financial professionals, rarely can we use the word “guarantee”. But there are several guarantees we can discuss with every client; their age will increase; their health will decrease; their need for LTC will increase. Having said that, it cannot be too soon to have this necessary LTC conversation with our clients…but it can be too late.
IARFC INTERNATIONAL ASSOCIATION OF REGISTERED FINANCIAL CONSULTANTS
Renew your Membership RFC ®• RFA ®• General Member • Staff Associate IARFC, P.O. Box 506, Middletown, OH 45042
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EDUCATION • EXPERIENCE • INTEGRITY IARFC Renew Your Membership Christopher P. Hill, RFC® Christopher P. Hill, RFC®, is the President of Wealth and Income Group LLC, with multiple branch offices in Virginia. Chris began his 28-year career in the financial services industry by spending his summers as a college intern for a major stockbrokerage firm. After graduating college with a B.S. in Finance, he spent over a decade working with the Senior Portfolio Manager of a leading money management firm. In 2001 Chris formed his own company with a primary focus on wealth management. Contact: 540.685.4321 chris@wealthandincome.com www.wealthandincome.com Securities offered through O.N. Equity Sales Company Member FINRA/SIPC. Investment Advisory services offered through ON Investment Management Company. Page 18
At the IARFC, we are proudly committed to educating the public on the value of choosing you as a their financial consultant. Your membership ensures that the message of engaging an ethical and educated professional is front and center. Renew your membership and keep our mission strong.
H. Stephen Bailey CEBA, LUTCF, CEP®, RFC®
IARFC Chairman
IARFC INTERNATIONAL ASSOCIATION OF REGISTERED FINANCIAL CONSULTANTS
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The Register | September-October 2016