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July 2014 Issue
Focus
   Tailor Solutions To Client Needs With Term Life Laddering
      Mark Peterson
   The Safe Solution For Legacy Assets
      Luke Cosme
   Retirement Financial Defense With Life Insurance
      Peter L. McCarthy, JD, CLU, ChFC
General Interest
   Stop Selling Insurance And Start Solving Problems!
      Kenneth J. Smith, CLU
Marketing Update
   Hybrid And Linked Long Term Care Planning Solutions
      Barry J. Fisher, LTCP
Special Insert
   2014 Long Term Care Insurance Survey
      Claude Thau, FSA, MAAA
Monthly Commentary
   Impaired Risk Review...
   Fibromyalgia
      Robert Goldstone, MD, FACE, FLMI
   The Benefits Brief...
   Top Ten Hot Tips For HSAs
      Janet LeTourneau, ACFCI
   Disability Insurance Insights...
   New Products In The World Of Financial Planning
      W. Harold Petersen, RHU, DFP
   Economic Behavior...
   Consumer Misperceptions Stop Insurance Buying
      Jack Marrion
   The Last Word On LTCI...
   Dragons
      Ronald R. Hagelman Jr., CLTC, CSA, LTCP
The Cover
       Cover Artist: David Howard

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