About the Author:
Allen Hamm has been assisting people with Long-Term Care Planning for over 18 years. He is co-founder of Superior LTC Planning Services, Inc., a leading provider of educational resources for financial planners, estate planning attorneys, and CPA's. His company created the Comprehensive Planning Approach to Long-Term Care, a process for developing the most effective written plan for long-term care, based on a family's unique personal and financial objectives. Allen has been a guest on "Ask the Experts" with Rob Black, KRON-TV, San Francisco, and the "Coping with Caregiving" radio program with Jacqueline Marcell. He is frequently asked to provide educational workshops to financial and estate planning groups, including the FPA national conference. He invites you to share your comments by emailing him at allen@superiorltc.com
Review:
"The most comprehensive and easiest to understand guide on a complicated financial and estate planning issue." --Rob Black, Host, "Ask the Experts", KRON-TV, San Francisco
"Accurate and balanced education about our most misunderstood financial and estate planning topic." --Julie Fiedler, Estate Planning Attorney
Review by Stephen Moses, President, Center for Long-Term Care Reform, Inc. Does the world really need another book on long-term care planning? Given how many have already been published with little impact on the public's LTC denial, it's a reasonable question to ask. But here's a book worth your attention: a new excellent primer on LTC Planning that also tackles the big reason for long-term care financing's stagnant status quo. "Long-Term Care Planning: Assuring Choice, Independence, and Financial Security," written and compiled by Allen Hamm, President of Superior LTC Planning Services, Inc., of Pleasanton, California deserves your attention. We found the information in Part 6, comprised of interviews with financial professionals and industry experts, including me, to be especially insightful. The opening account of the author's personal family experience with long-term care is moving and highlights Hamm s commitment to waking others up to the importance of LTC Planning. So too are the short vignettes sprinkled throughout the book describing the personal experiences of those who have experienced a long-term care need with a close relative. Hamm's book is well organized with all the usual chapters on LTC Planning: What is LTC? Where do people receive LTC? How much does it cost? Who pays (or doesn't pay)? Why worry and plan? When is LTC insurance appropriate? How to choose the right coverage? You know the drill. What's different and especially valuable, however, is the process he outlines for integrating LTC Planning with financial and estate planning. Hamm created and explains the Comprehensive Planning Approach, a process that evaluates and determines the most appropriate option for you and your family, and then puts your LTC plan in writing. The 7 step approach includes an evaluation of your tolerance for risk. We particularly enjoyed the "Key Points" summaries at the end of each chapter. Graphically, the book is well laid out with plenty of illustrations, color graphs and charts. Bountiful quotes, many humorous, break the monotony of reading such serious material. For example, Yogi Berra: "You got to be careful if you don't know where you're going, because you might not get there." How apt for LTC: the American public has no idea where it's going (toward LTC someday) or where it will end up (too often in a welfare-financed nursing home) or what to do about it. --LTC Bullets; Center for Long-Term Care Financing
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