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Have you planned for long-term care, rising health care costs and medical spending in retirement?

Long-term care and health care costs can account for a large portion of a retirement budget, so it's important to get the right strategies in place that can help you be prepared for long-term care costs in retirement. That way you can preserve more of your retirement assets for other expenses and enjoy a period of life you've strived so hard for.

Don't wait to join us for a complimentary presentation covering the basics of preparing for long-term care in retirement. We'll be covering important topics, such as:

- What is long-term care?
- DC metro averages for cost of long-term care
- Policy options
- How inflation affects long-term care costs
- Effects of COVID-19 on long-term care
- And MUCH more!

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC, to residents of: AL, AZ, CA, CO, DC, DE, FL, GA, IA, MD, MI, NC, NJ, NM, NY, PA, RI, SC, SD, TN, TX, UT, VA, and WV. Advisory Services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Capitol Retirement Strategies are not affiliated.

By providing your information, you give consent to be contacted about the possible sale of an insurance or annuity product. Licensed Insurance Professional. Attend and learn how annuities and life insurance can be used in various stages of planning for retirement income. This presentation is not intended to be legal or tax advice. The presenter can provide information, but not advice related to social security benefits. Clients should seek guidance from the Social Security Administration regarding their particular situation. The presenter may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. Social Security benefit payout rates can and will change at the sole discretion of the Social Security Administration. For more information, please consult a local Social Security Administration office, or visit www.ssa.gov.
Co-Founder & Partner | Capitol Retirement Strategies
Dave Murray considers himself to be very lucky that he hasn’t had a “real” job since he was 25 years old. After a 10 year career as a radio morning drive co-host in the Washington DC area, he completely switched fields in 1997. According to Dave, “I became a financial advisor because I used to always worry about money. Next to your health, if you have confidence about your money, your life will be a lot more enjoyable.”

Dave has helped over 1000 clients obtain Long Term Care insurance. He has conducted over 600 seminars on the topic for the general public, and as a certified CE instructor, he has taught numerous courses for CPA’s and other financial advisors.

Mr. Murray was Agency Director of Long Term Care for West Financial Group between 2001 and 2009, and was the nation’s leader for their parent company, Mass Mutual, in LTC sales in 2004, 2005 and 2007. Along the way, he constantly advised his large group of policyholders (currently approaching 1500) to protect their assets and prepare for the next great planning challenge: Retirement Income.

Along with Steve Killiany, he formed Capitol Retirement Strategies LLC in February of 2010 where, each day, they do everything in their power to help make sure their clients don’t outlive their money.

Dave lives in Potomac, MD with his wife Julie and their three children, Lauren, Hannah and Eric.