Tuesday, April 15, 2014

April Educational Webinar: Motivational Interviewing

Please join Carilyn Ellis, psychology intern at the Salt Lake VA Medical Center, as she presents the Society of Certified Senior Advisors April 2014 Educational Webinar, Motivational Interviewing: Tools for fostering improved motivation in your clients to make decisions and achieve their goals.

This event will be held Wednesday, April 23rd at 2:00 PM (EST).


Motivational Interviewing, known as MI in the psychological community, is a set of skills and tools for helping clients resolve their ambivalence about making decisions and setting goals for achieving their desired outcomes – whether this is quitting smoking, losing weight, filing for Medicare/Medicaid, selling belongings, moving into assisted living etc. Where there are decisions, there is ambivalence, and it can be so difficult as advisors for our clients to watch them swing like pendulums and often fail to make important decisions until the power is taken out of their hands (e.g. going to extended care or skilled nursing due to a fall). MI is NOT motivational speaking – in fact, you do far less speaking with motivational interviewing. It is a set of reflective listening skills and targeted questions that foster internal motivation in clients and resolution of their ambivalence (they tend to make the decisions when you use MI). This presentation will include some background on the theory, but it will mostly focus on the practical tools that you can use with ALL of your clients to help them make decisions. Practical, real world examples relevant to CSAs will be used with sample dialogue and demonstration of each skill.

Carilyn Ellis, M.A., Carilyn Ellis is a psychology intern at the Salt Lake VA Medical Center, specializing in Palliative Care, Geriatric Home-Based Primary Care, Outpatient Mental Health and Neuropsychology. Carilyn completed her Master of Arts (M.A.) in clinical psychology and doctor of psychology (Psy.D) at George Fox University in Newberg, OR. She loves her career and is motivated by a “profound personal belief that everyone, regardless of what he or she has done, reserves the right to an advocate.” She loves serving those who served our country, and especially loves working with aging Veterans. “It is a daily honor to provide care for Veterans during their end of life transitions. It is a unique position, because as much as I teach and comfort, I learn and am comforted by them.” The daughter of an international family, Carilyn spent years of her childhood living in Japan and travelling throughout Europe and the United States. When she is not working, she is running, reading, writing and exploring this strange new land of Utah.

Register now


Blog posting provided by Society of Certified Senior Advisors
www.csa.us

Friday, April 11, 2014

Hidden Assets: Managing Your Social Security

Understanding Social Security and knowing how to make the most of retirement benefits is crucial. People contemplating retirement should plan carefully to maximize their assets.



Retirement specialist, James A. (Al) Hurt, Jr. has been assisting individuals and businesses with wealth management for the past forty years. His article, Hidden Assets: Managing Your Social Security, recently published in the Spring 2014 edition of the CSA Journal, focuses on Social Security and knowing how to make the most of your retirement benefits. Excerpts from his article can be read below.

Excerpts from CSA Journal 57: Hidden Assets: Managing Your Social Security

"As financial advisors, we are often asked, "How can I get the most out of my Social Security?" Are we responding with uninformed answers such as, "You have plenty of other assets," or "I’m not sure I would count on Social Security." The average two-earner couple receives $583,000 in lifetime Social Security Benefits (Steuerle and Quackenbush 2012). The reality is that Social Security is a huge benefit and when to start drawing benefits is a decision that many people get wrong.

Let’s look at Social Security as the "hidden asset" that everyone seems to give the least amount of attention, and in many cases is the largest asset a retired couple may have. You need to think about Social Security as social insurance that you have paid for, and you have a measure of control as to when your benefits are paid. Therefore, everyone has the responsibility to themselves and their families to make sure this asset is maximized to its fullest potential.


Baby boomers are turning sixty-five. Many are crying like the day they were born, but for a different reason. The company pension plan has been replaced by a 401(k) plan, the burden for retirement income has shifted from the employer to the employee, and there is no income for life with these plans. Private savings have been replaced by private debt. No wonder so many retirees are concerned about outliving their money. The three-legged retirement stool that President Eisenhower spoke of has sprouted a fourth leg over the years. That is, the need to keep working because savings, 401(k) plans, and Social Security benefits are not enough financially to live comfortably.

People are living longer today and should be planning for a retirement that lasts well into their nineties. When you look at taking Social Security early versus delaying it, the lifetime benefit numbers lost can easily be between $100,000 and $250,000 more.

Read this article in its entirety, and access more articles from CSA Journal 57.

The CSA Journal is a quarterly publication that provides valuable and practical knowledge directly applicable to Certified Senior Advisors (CSAs). The Journal publishes original and challenging articles that make a contribution to theory, empirical research, and evidence-based practices aimed at improving the lives of seniors and the skills and knowledge of CSAs. 

The Society of Certified Senior Advisors® welcomes article submisssions for consideration for publication in the CSA Journal. Articles can be submitted to CSAJournalSubmissions@CSA.us. 


Blog posting provided by Society of Certified Senior Advisors
Courtesy of James A. (Al) Hurt., Jr., CLU, ChFC, CSA


www.csa.us

Tuesday, April 8, 2014

Meet CSA Spotlight, Frank Samson

 

Prior to starting a new career in senior care, I spent over three decades in the travel industry. I ran a company specializing in the design of customized luxury vacations and villas around the glo...be. Prior to that, I founded and franchised a travel company in Chicago that grew to 200 franchises within a 3-year period. The company was listed as one of the “Fastest Growing Franchises” in Entrepreneur Magazine.

After selling the business to a California based company, I moved my family to sunny California where we now reside. I decided to leave the travel industry and spent quite a bit of time researching the health care industry by traveling around the country meeting with various providers in senior services.

Many ask how I got involved in senior care from the travel industry. Interestingly, there happens to be many similarities, and my past experience played an extremely important role in the development and growth of the various senior care businesses I founded.

I began Senior Care Authority™ (www.SeniorCareAuthority.com), a senior residential placement service that has already helped hundreds of families in California and throughout the country. In the travel industry, I selected the highest quality resorts and villas to market, and now I select the highest quality assisted living communities and care homes for seniors to live in while receiving the best care and supervision.

After operating Senior Care Authority successfully for three years, we expanded and started SCAnetwork™ (www.SCAnetwork.com), a self-paced online training course and a 12-week Coaching Program with our team of experts. We have customized programs in Customer Relationship Management (CRM), online referrals and e-mail marketing geared to senior placement agencies. Because of these various options, SCAnetwork™ members are both new to senior placement and those already operating and senior placement agency. We even have two new members in our program that I met at the CSA National Conference in Orlando!

I have been hosting a weekly radio show called "The Aging Boomers" (www.TheAgingBoomers.com) for several years to help educate family caregivers and seniors on issues facing them while providing important resources nationwide.

Providing essential resources to those planning for aging and to those families who are facing a crisis has been a mission of mine. Because of this, I started local, interactive resource websites throughout California. These sites are designed so families and individuals can quickly and easily find local senior products and services. Experts provide written articles, blogs and videos to help families cope with the overwhelming challenges so often associated with managing the affairs of the elderly.

ElderCare Resources Bay Area (www.ECRBayArea.com)
ElderCare Resources Sacramento (www.ECRSacramento.com)
ElderCare Resources Los Angeles (www.ECRLosAngeles.com)

My experience with the Society of Certified Senior Advisors has been nothing but positive. Not only does this organization provide a wonderful program, but I have also met many CSA’s around the country who have become friends and have done business together. I’m proud to be a CSA and look forward to a mutually beneficial relationship in the years ahead.

Frank M. Samson, CSA
Founder and Certified Senior Advisor
Senior Care Authority
frank@SeniorCareAuthority.com
www.SeniorCareAuthority.com
www.SCAnetwork.com

 
 
If you're a Certified Senior Advisor interested in being featured as our next CSA Spotlight, contact Erica Ananich at ericaa@csa.us.  
 
 
Blog posting provided by Society of Certified Senior Advisors
 

Monday, April 7, 2014

Grandfamilies Find New Challenges, Satisfaction


When her son and daughter-in-law had to give up their two-year-old to foster care because they weren’t able to care for her, Rhonda flew from Baltimore to Tucson to retrieve her granddaughter. “I didn’t hesitate one bit. I had to chuckle to myself that I had just sent my youngest off to college and was relishing being an empty nester and getting to know my new home! Hello new life! . . . My son and daughter-in-law both signed over legal guardianship to me, the judge signed the papers and we flew back home to Baltimore the following day. That Sunday morning we woke up to freezing cold rain. I had no diapers, one change of clothes, no milk, no car seat, no stroller, NOTHING! But I didn’t care, it seemed like Christmas morning to me” (from Raising Your Grandchildren).

Rhonda is one of the growing number of older adults who find themselves being parents again, a phenomenon known as “grandfamilies.” A broader term is “kinship caregivers,” which refers to care provided for children by relatives other than their parents.
According to the U.S. 2010 Census, more than 2.7 million households consisted of grandparents raising their grandchildren, an increase from the 2000 Census. In fact, the number of children being raised by grandparents or other relatives is higher than those being raised in the foster care system by a ratio of 25 to 1. By keeping children out of foster care, grandfamilies save taxpayers more than $6.5 billion each year (figures from Generations United).

According to the U.S. 2010 Census, more than 2.7 million households consisted of grandparents raising their grandchildren, an increase from the 2000 Census. In fact, the number of children being raised by grandparents or other relatives is higher than those being raised in the foster care system by a ratio of 25 to 1. By keeping children out of foster care, grandfamilies save taxpayers more than $6.5 billion each year (figures from Generations United).

However, more than 60 percent of those grandparents are still in the workforce, and 21 percent are living below the poverty level. Both factors contribute to the challenges of being a parent again. So widespread has kinship care become that the government has created a website, Grandparents Raising Grandchildren, with links to benefits and assistance, health and safety resources, data and publications and state resources. For additional information, see sidebar.

More Need for Grandfamilies
There are many reasons that more grandparents are becoming involved in raising their grandchildren. “More often than not, there is a correlation between alcohol and drug abuse and neglect on the part of the parents. The parent/s may be mentally ill, incarcerated or simply and unfortunately incapable of caring for their children,” reports Raising Your Grandchildren, a website dedicated to helping “guide grandparents and other relatives (kinship parents) in their efforts to raise, parent and educate these children.” Other reasons include:
  • As divorce rates increase, grandparents often step in to take care of their grandchildren during times of transition or uncertainty.
  • Grandparents are younger and healthier than previous generations of grandparents, so they are more able to care for children.
  • An increase in the number of single parents, often women, results in many unable to support their child(ren).
  • More teenage pregnancies means grandparents are helping when their children can’t handle the emotional or financial burden.
  • Parents become ill, disabled or die.
  • If parental abuse or neglect is found, grandfamilies are seen as a better option than foster care.
  • When military children are deployed, grandparents step in.
The impact on older adults raising their grandchildren is often emotionally rewarding but can also be both financially and emotionally difficult.

Emotional Issues
A 60-year-old woman tells of the hardships raising her four grandchildren, including one with Asperger’s condition, by herself. Her only source of income is state assistance, food stamps and death benefits from the father of the oldest boy. “There is absolutely nothing extra [money] to do anything for the kids except things that are free,” she told Raising Your Grandchildren. “All that to say, it is really hard at this age to be taking on the responsibility of these four kids, but I love them to pieces and wouldn’t trade the experience for anything. I have seen the younger three grow and mature and become awesome kids.”

Taking on the responsibility of child-rearing at an age that most people consider their leisure years can bring up a lot of emotions. You may feel grief and guilt over the inability of your children to be good parents, anger and resentment at having to step into the parenting role again, stress in trying to balance your life and figure out everything that needs to be done (school, activities, etc.). There’s also culture shock in having to deal with a generation, twice removed from you, which is more knowledgeable about technology, for example.

Some children arrive with preexisting problems or risk factors such as abuse, neglect, prenatal exposure to drugs and alcohol or loss of parents (due to death, abandonment or incarceration). If the parents are still around, a child can have conflicting loyalties between parents and grandparents.

One of the first sources of stress is being uncertain about where to start when grandchildren first show up. Experts suggest first focusing on basic needs such as a good bed, food and clothing. Contact the children’s teachers, doctors and anyone else who has been involved in the children’s lives.

To continue reading this article, visit http://www.csa.us/freeresources/socialinterestlibrary/grandfamilies-find-new-challenges-satisfaction/

Sources
“Grandparents: As Parents,” Colorado State University Extension Service
“Grandparents Raising Grandchildren,”
AARP
“Grandparents Raising Grandchildren,” American Academy of Child and Adolescent Psychiatry
Raising Your Grandchildren
“Grandparents Raising Grandchildren” U.S. government


Are you a grandparent raising your grandchildren? Did you raise your grandkids, who are now grown and on their own? We'd love to hear from you! Share your story with the CSA Blog!

Blog posting provided by Society of Certified Senior Advisors
www.csa.us

Wednesday, April 2, 2014

Meet CSA Spotlight, Sue Kalons


CSA Spotlight“Mom, YOU ARE A SENIOR, and taking a class to work with seniors?” That was my younger son’s reaction to my taking the course to become a Certified Senior Advisor—and rightfully so, I suppose. I’m a 66-year old wife, mother of two sons, aged 43 and 40, Grandmother of 6, married for 46 years. Well, to one and all, I think that from a child, I was being “prepped” to be a CSA!

Picture a little girl with no one to play with walking up the street to sit on the steps with an elderly blind man. Watch the child go a little farther up the street to see if the elderly couple in the corner house are sitting on their front porch. There they are…let’s go sit and chat with them for a while. Another day comes and is spent with another older couple who have no children. That visit becomes a regular weekly event. The little girl “adopts” these folks as her “Aunt” and “Uncle”. Then there is “Nana”…the elderly lady next door. She takes a cheerful little lass to church events and “adopts” her as a grandchild.

Fast forward about 10 years. The little girl is now in high school, volunteering at a local sanitarium, and thoroughly enjoying afternoons with a dear little 90-something lady who tells stories of growing up in Nebraska in the late 1800's. The young girl loves it when her duties take her to “Miss B’s” room.

Move on a few more years. The teenager has now become a young wife and mother of a 6-month old son. Her beloved father-in-law, in his late seventies, starts having strokes. Dutifully, the young mother begins what will become several years of intermittent caregiving…getting middle-of-the-night phone calls to come help. Grandaddy has to go to the hospital. Mother, husband, and little boy—and eventually a second baby boy make the drive with bottles, diapers, and clothing for an indefinite stay to be with Gramma while Grandaddy is in the hospital, and then to be there to help when he comes home again.

That’s how it all started. During this time, my own dear father developed a chronic lung disease that constantly put him in and out of the hospital. As my mother didn’t drive, I was the chauffer with daily trips from one end of the county to the other and back again to pick up Mom, go down-county to the hospital, take her home, and eventually get home to my family. I had little support, absolutely no respite, and not one of our friends who really knew what I was going through! They cared, they listened, but they just didn’t understand. My husband and I came into our parents’ lives when they were older, so we became caregivers at an early age. Many of our friends have recently or are currently going through what we went through—and I do understand!

Dear Grandaddy mercifully passes away in his sleep, and all is quiet for a short time. Then it begins again—my own sweet Dad is sick. He cannot drive, he needs down-county visits to the doctor and periodic stays in the hospital. We sell our little townhome and move in next door to Mom and Dad to help care for both of them. Trying to hold down an office job becomes an impossibility as I have to take too much time off to help my Mom with Dad. Everything comes to a crushing climax the day the first Gulf War begins. My oldest son is on a tank crew getting ready to invade Kuwait, and my Dad’s battle with weakened lungs comes to an end. Did I mention that at this point my Mom is in the early stages of Alzheimer’s Disease and my Mother-in-law has severe heart issues, is a diabetic, and stays with us part-time?

We buried Dad 2 days later. That night, my husband and I dropped into bed, hoping for blessed sleep. Oh no…it’s that dreaded middle-of-the-night sound of a ringing telephone. Gramma’s neighbor is calling to say that she called him and is very ill—come quickly. And we do. She’s in heart failure and transported to the hospital nearby. I cannot watch her…I just watched my own father pass 3 days ago. Miraculously, the following week, after triple bypass surgery, Gramma has resurrected and will be staying with us for the next 3 months as she recovers. Interesting – Gramma with us, Mom next door, both needing 24/7 attention.

Overall, for 34 years, I cared for 2 sets of parents, with the caregiving duties overlapping two ill parents at a time. Gramma ended up living with us for her last year and passed away in our home. My own dear Mom remained next door for 5 years and then spent her final 8 years in an assisted living/dementia-care home. During that time, I suffered breast cancer and had a mastectomy, got my real estate license, became president of the local Women’s Council of Realtors®, went to Maryland Association of Realtors® Leadership Academy, won the 2010 Jane Henderson Education Award and 2011 Community Service Award from the local real estate association.

In my pursuit to work with seniors, as an active Realtor®, one of my designations—Seniors Real Estate Specialist—got me curious as to what else was “out there” that might help me specialize in working with the senior population. That’s when, as I searched the internet, I found the Society of Certified Senior Advisors. I’d hit “paydirt”…that’s what I needed. I scoured the SCSA website, left my contact information, and was contacted the beginning of 2013 by an SCSA staff member. What an answer to prayer!...that’s another story for another day.

So here I am on December 5, 2013, one surgery and recovery time later, an inability to access some of the online lectures for 5 weeks, the kindness of another SCSA staff member to send me the lectures on CD, having to postpone my exam date twice, some more health issues, and recovering from a car accident 2 weeks prior, walking out of the PearsonVue testing center in Hagerstown, MD, with tears, a grateful heart, and a “Congratulations, you have passed your CSA Exam” letter in hand! When I called my younger son to tell him I’d passed, he laughed and said, “Mom, we think it’s great that you ARE a senior who’s been through so much, getting educated to work with seniors!...You have such stories to tell.”

Currently, I volunteer at the local senior center and co-lead a Caregiver Support Group at my church. With some new avenues presenting themselves, planning how and where to best use what I’ve learned since becoming a CSA (Certified Senior Advisor) is my top priority as 2014 begins. Bottom line is, I love seniors. My passion is to see that they have an advocate, are well-cared for, that their caregivers are equipped to walk the journey, having the resources and support that I never knew. Mine was trial and error, laughter and tears. And blessedly, my only regret is that I never got my Dad back to the zoo to see the monkeys before he died!

I am so very thankful for the opportunity to be able to combine all I’ve experienced along with the professional insight that I’ve gained from taking the CSA course of study. I understand it from both sides now and look forward to taking the good news that someone cares, someone is here to listen, help, and walk the journey with both seniors and their caregivers.

Sue Marie Kalons, Certified Senior Advisor (CSA)®
Referral Real Estate Professional
smkalons@reagan.com


Blog Posting Provided by Society of Certified Senior Advisors
www.csa.us

Thursday, March 27, 2014

Society of Certified Senior Advisors Releases CSA Journal 57


The Society of Certified Senior Advisors (SCSA) releases its latest issue of the CSA Journal as an educational tool for professionals seeking information on topics relevant to their senior focused businesses. The e-version of the CSA Journal is available online at CSA Journal 57 for free to seniors, families and all professionals seeking new and relevant content on the health, social, financial, legal, arts, humanities and spirituality issues of aging. 

CSA Journal 57 features peer reviewed articles on topics such as Virtual Retirement Villages: Supporting Aging in Community, Hidden Assets: Managing Your Social Security, Networking: Business Benefits, Partnerships, and Best Practices and valuable Senior Client Handouts.

Director of Strategy for Aging in Community for NCB Capital Impact and the Village to Village Network, LLC Candace Baldwin, M.S., EDFP describes the rapidly growing trend of the Village movement for older adults in her article in CSA Journal 57, Virtual Retirement Villages: Supporting Aging in Community. In this article, Baldwin explains how older adults searching for meaningful lifestyles as they retire are finding a sense of community and belonging in the rapidly growing Village movement.

Social Security expert James A. Hurt, Jr., CLU, ChFC, CSA provides an informational article on the importance of understanding Social Security and knowing how to make the most of retirement benefits in his article Hidden Assets: Managing Your Social Security. Hurt explains the significance of carefully maximizing assets for people contemplating retirement, and provides information on the common failures for taking advantage of spousal benefits.

Owner and CEO of SAGE WAVE Consulting, LLC, Erika T. Walker, MBA, MSeD, CSA shares her experience and expertise on business networking through her article Networking: Business Benefits, Partnerships, and Best Practices in CSA Journal 57. Walker explains that the importance and power of networking cannot be overstated. Organizations, businesses, and individuals must continually develop new connections and relationships to succeed.

CSA Journal 57 is comprised of twelve informational articles written specifically for the benefit of professionals working with the aging population. All issues of the CSA Journal feature a practical case study, senior client handout and opportunity to earn CSA continuing education credit through the Case in Point section. For information regarding subscription to the CSA Journal, article proposals or to purchase ad space please go to www.csa.us/freeresources/csa-journal.


Blog posting provided by Society of Certified Senior Advisors
www.csa.us

Tuesday, March 25, 2014

Meet Our CSA Spotlight, Al Hurt

At the age of 62, in many ways, I feel like I am starting over with my business and not all of that feeling is good. With age comes caution that didn’t exist some 40 years ago. Upon graduating from Mississippi College, I went to work for a retirement plan administration firm. After a great learning experience there and six years under my belt, I threw caution to the wind and started my own retirement plan administration firm. It did not bother me in the least that I had no contacts, never sold a retirement plan or that I had a one year old daughter and a stay at home wife. Life was good and I had six months seed money to make a go of it.

Although I ran out of money long before I got my first plan, in month 8 of this venture I was blessed to have a few CPA’s think kindly enough of me to refer business and I was off and running. Since those days I have sold and bought back my company twice. I have loved the last 35 years of helping companies set up retirement plans for their employees, and in turn helping the employees plan for retirement.

Along this journey a funny thing happened. I got older and my clients started wanting to retire. They began asking me questions, some of which I had not even thought of, such as “When should I take my Social Security benefits? What about Medicare and those supplements? Do I have enough to live on?” and so on.

At about this same time, Jane and I were dealing with aging parents and their housing, failing health, and just-making-it issues that come with older age. Trying to help our parents with their decisions became a tough issue because it was hard to find a source of good information. Most of what we were getting was word of mouth from our friends who were a bit ahead of us dealing with assisted living, extended hospital stays, sitters and/or rehab.

Searching the internet for answers, I stumbled on the Certified Senior Advisor (CSA)® website and immediately made a phone call to find out about the organization. I was blown away at the wide scope of information that was available and the eagerness of the folks I talked with to help me.

I had no interest in earning another degree or designation, but after reviewing the curriculum I felt if I had one more learning stint in me, the CSA would be it. As a result of my study for the CSA, I not only gained resources and knowledge to help our parents, but garnered expanded knowledge to answer the questions my clients were beginning to ask regarding their retirement, in particular those questions about Social Security. As I began delving into Social Security, I found that people were getting the same bad answers here that they were getting about their parents’ elder care mostly word of mouth from others.

It is not my nature to love to study and read about government programs, so I started asking questions of my contemporaries about this stuff, only to find they knew just about as little on the subject as I did. Simple question, “Are Social Security Benefits Taxed” ? Best answer I got was, “yes but I’m not sure how and I think there is some tax break”. I was forced to do some reading and self- education, as well as find folks out there who were real authorities on these benefits.

Much to my surprise, as I continued my education journey into the world of Social Security, my appreciation of the program increased. I even called some Social Security experts from around the country about this new found appreciation only to find they had similar experiences. Wow! Who would think better of a government program after learning more about it? A “greater appreciation” does not seem to be the trend with new government programs today.


When 2013 rolled around, I was fully committed to educating my clients and others about Social Security benefits and helping them to optimize their benefits. This has been a real eye opening experience.

I hold a “Lunch and Learn” workshop in our office for CPAs and Attorneys about every six weeks, and those sessions are always filled. I have also conducted three to four education seminars per month for the public at different Learning Centers around the city. These have been well attended with an average of 35.

This past year, regarding Social Security, I have learned that people usually get it wrong when it comes to maximizing their lifetime benefits. Most begin receiving benefits too soon when there is no financial need to do so. Folks have no clue as to the value of this benefit or what they leave on the table. It is not uncommon for me to find $400 to $800 a month being left on the table by couples because they don’t know about their Spousal Benefit.

Being able to assist my clients with their total retirement assets including their “Hidden Assets”, I can now do a much better job of helping them maximize sustainable income during their lifetime.

James A. (Al) Hurt, Jr., CLU, ChFC, CSA, is a 62 year old Retirement Specialist from Clinton, Miss. He is vice-president of Security Ballew Wealth Management headquartered in Jackson, Miss. The past 40 years he has assisted individuals and businesses with wealth management. His expertise runs the gamut from Retirement Plans to Social Security. Al’s knowledge level and expertise regarding Social Security has afforded him opportunities to conduct seminars and accept numerous speaking engagements. He has a keen understanding of the process of electing Social Security benefits. Al’s Certified Senior Advisor designation supplements his other credentials and today, he focuses primarily on optimizing Social Security benefits for his clients.


Mr. Hurt recently hosted the Society of Certified Senior Advisor's March Educational Webinar, Social Security Timing for Married Couples. CSAs can download this recorded presentation, along with the handouts, by logging to their CSA Portal account at https://www.csa.us/wp-login.php


Blog posting provided by Society of Certified Senior Advisors
www.csa.us