Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32 Page 33 Page 34 Page 35 Page 36 Page 37 Page 38 Page 39 Page 40 Page 41 Page 42 Page 43 Page 44 Page 45 Page 46 Page 47 Page 48 Page 49 Page 50 Page 51 Page 52 Page 53 Page 54 Page 55 Page 56 Page 57 Page 58 Page 59 Page 60 Page 61 Page 62 Page 63 Page 64 Page 65 Page 66 Page 67 Page 68 Page 69 Page 70 Page 71 Page 72 Page 73 Page 74 Page 75 Page 76 Page 77 Page 78 Page 79 Page 80 Page 81 Page 82 Page 83 Page 84 Page 85 Page 86 Page 87 Page 88 Page 89 Page 90 Page 91 Page 92 Page 93 Page 94 Page 95 Page 96 Page 97 Page 98 Page 99 Page 100 Page 101 Page 102 Page 103 Page 104 Page 105 Page 106 Page 107 Page 108 Page 109 Page 110 Page 111 Page 112 Page 113 Page 114 Page 115 Page 116 Page 117 Page 118 Page 119 Page 120 Page 121 Page 122 Page 123 Page 124 Page 125 Page 126 Page 127 Page 128 Page 129 Page 130 Page 131 Page 132 Page 133 Page 134 Page 135 Page 136 Page 137 Page 138 Page 139 Page 140 Page 141 Page 142 Page 143 Page 144 Page 145 Page 146 Page 147 Page 148100 Chester County Life / CHESTERCOUNTY-LIFE.COM F I N A N C I A L S E R V I C E S Robert O. Smith, MS, CFP® , CLTC, has built a career providing answers to these and myriad other queries. He founded Com- prehensive Financial Advisers in 1998 with a goal to work closely with a small group of corporate executives and retirees. Services focus on wealth management – providing comprehensive financial planning and in- vestment management. As an independent financial advisor, Bob is not linked to investment firm quotas or any insurance behemoth. A recent resolu- tion exemplifies his objectivity. “A man I’ve known for more than 20 years will soon turn 65. His wife is in a nursing home, and he was ready to sign up for Medicare and select a pension option. He met with an in- surance agent who advised him to put his retirement funds in an annuity designed to protect against stock market crashes, but he had some doubts. His apprehension was well founded. In the next five years, he would have collected over $85,000 from his pension. If he invested in the recommended annuity, the best payout he could expect was an additional $524 per year starting in five years. To break even, he’d have to live another 167 years! I explained that it was more prudent to take a monthly payment from his pension, giving him immediate life- time income.” SENSITIVE LONG-TERM CARE COUNSEL Bob is also committed to helping individu- als prepare for transitions related to re- tirement. He is certified in long-term care (CLTC), which gives him the expertise and tools to provide older clients with extended care planning. “Watching my in-laws face distressing difficulties when my wife’s father suffered from a brain tumor made me real- ize the importance of long-term care plans.” Bob is diligent in developing appropri- ate arrangements to preserve income and assets if one or both spouses transition into a long-term care facility. Not long ago two neighboring clients moved to the same con- tinuing care retirement community. The first couple called on Bob for financial planning advice after they discovered another advi- sor’s product recommendation would reap him over $100,000 in commissions! With proper planning, the surviving spouse re- mains financially secure after her spouse re- quired care in the assisted living and nursing home facilities. Because Bob suggested long-term care in- surance for the other couple more than 20 Comprehensive Financial Advisers Demystifies Retirement Options Where to begin? Retirement used to be easy. Today, however, there are questions and options by the dozens to consider. When should I retire? What is the best means to finance retirement? Can I retire? Is long-term care insurance a good idea for me and my spouse? The list of questions seems endless. BY AMY ALKIRE Robert O. Smith, MS, CFP® , CLTC, founded Comprehensive Financial Advisers in 1998 with a goal to work closely with a small group of corporate executives and retirees. Services focus on wealth management – providing comprehensive financial planning and investment management.