If you were to apply that uncomplicated test to everything you think, say, or do, an intimate knowledge of a code of ethics would be unnecessary, because you would, implicitly, be in conformance with it. Anyone can put that test into practice; every approach to high ethical standards has honesty as its cornerstone.

As noted, senior Americans face serious issues that are growing in complexity – insurance, financial security, housing, health, legal, social. The problem is, most professionals are qualified to help in only one or two areas. Financial advisers need to find options and solve problems in the many areas that can affect senior life.

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