It took me years to decide to own a long term care plan. My parents needed care and they had to sell some of their investment properties to pay for it. That reduced their income and increased tax expenses. I doubt I would have owned a plan, even knowing what happened to my parents, without Raymond. There is a patience, diligence, and competence about him where you trust him to explain the issues and provide ideas with what is the best plan to own and how it will be helpful.