Retirement Planning

Hal and Dogs

As a lawyer and financial professional, I advise my clients on retirement issues to help them achieve a worry-free retirement. I work with teams of professionals, each with their own expertise, to optimize the client’s retirement. I have earned two qualifications (CSA and CLU) that uniquely position me to advise my clients on retirement and legacy decisions.

What is a Certified Senior Advisor (CSA)?

The Certified Senior Advisor (CSA) is the leading certification for professionals serving seniors, and is a designation awarded to qualified individuals. Earning the CSA certification requires individuals to pass a rigorous exam and to uphold the highest ethical standards for the benefit and protection of the health and welfare of seniors. The goal of the CSA program is to prepare working professionals to adjust to the rapidly changing age demographic by understanding the multiple processes of aging. Typically, CSAs already have expertise in a professional discipline, for example, home care, senior housing, law, real estate, healthcare, insurance services, financial planning, or are supporting businesses wishing to better serve the senior clientele, and have chosen to supplement their existing professional knowledge by earning the CSA designation. To qualify for the CSA certification, and to use the CSA designation, individuals must pass a rigorous background investigation, pass the CSA certification examination, abide by and uphold the CSA’s Code of Professional Responsibility, and comply with the continuing education requirements and policies.

CSA is Acccredited by the National Commission for Certifying Agencies (NCCA). The NCCA was established to help ensure the health, welfare, and safety of the public through the accreditation of a variety of certification programs/organizations that assess professional competence.

Chartered Life Underwriter (CLU)

Hal also has the Chartered Life Underwriter (CLU) designation, awarded by The American College, located in Bryn Mawr, Pennsylvania, the leading designation organization for financial professionals. The CLU also requires a background check, and is focused on training the professional to providing suitable and knowledgeable financial consultation to clients regarding various insurances, such as life insurance, and financial issues. The CLU is similar to the CSA in that it requires compliance for continuing education and abiding by a professional code of ethics. The CLU is geared toward the knowledge of fixed income products, such as life insurance, disability income insurance, and long term care insurance, and NOT securities related investments. Hal is NOT a salesman of these insurance products, but rather can recognize these issues, and intelligently advise on these issues, with the detail that most attorneys cannot. This advice provides the client a more holistic view of their current situation. “