Press | Articles Bob Land, LUTCF, CLTC Achieves Membership in Million Dollar Roundtable (MDRT)Prestigious Membership is Exclusive to World's Leading Financial ProfessionalsPARK RIDGE, Ill. (December 31, 2018) — Bob Land of Rocky Mount, NC achieves membership in the prestigious MDRT organization, a coveted career milestone that offers the opportunity to share innovative ideas and best practices with other leading financial professional members. Land is president of Landmark Financial Services, LLC, a 26 year old independent insurance and investment agency. They specialize in Executive and Employee benefits for business owners, their key executives, families, and retirees.Membership in MDRT is a highly recognized mark of excellence and limited to only the most successful in the financial services profession. This places Land among the top professionals in the global life insurance and financial services industry.Members are provided career-shaping resources to better communicate and serve clients, as well as opportunities to broaden professional development. The exchange of ideas at MDRT meetings helps members gain new and unique insights to better serveclients’ individual needs. Working with an MDRT member connects clients not only to a highly credible and leading financial advisor but also to cutting-edge strategies.“For more than nine decades MDRT has delivered access to innovative ideas to motivate members and help them refine their skills,” said MDRT President Ross Vanderwolf, CFP. “MDRT is committed to helping our members achieve inspired growth and personal success.”MDRT’s culture motivates the best in the business to share innovative ideas, concepts and techniques with each other. The exclusive tools and resources members obtain through membership help them to better guide their clients to beneficial solutions and provide their clients’ the greatest service.About MDRTFounded in 1927, Million Dollar Round Table (MDRT), The Premier Association of Financial Professionals®, is a global, independent association of more than 66,000 of the world's leading life insurance and financial services professionals from more than 500 companies in 72 nations and territories. MDRT members demonstrate exceptional professional knowledge, strict ethical conduct and outstanding client service. MDRTmembership is recognized internationally as the standard of excellence in the life insurance and financial services business. For more information, please visit www.mdrt.org and follow them on Twitter @MDRtweet. Long-Term Care/Long Term Disability/Employee BenefitsEastern NC Business Journal, Rocky Mount Chamber of Commerce -"Ask the Expert" Online Articles, Charm Magazine, Rocky Mount TelegramBrief, educational planning articles on Long-Term Care, Disability Protection, Medical Insurance/ Affordability Care Act / ObamaCare, and Employee Benefits. Read Long-Term Care article from local Chamber website where Bob serves as " Ask the Expert".2 authorsBob Land, LUTCF, CLTCPresident, Landmark Financial Services...Ann Elizabeth Land, MAT- Charm Magazine-editor Caring Husbands: What Needs to Be Planned for Your Wife?Women have some special challenges in life, simply by being female. Because the average woman can expect to live to age 80 plus, or 5.3 years longer than the average man, life experiences are likely to be different. With that longer life span comes the question of who will provide care in the aging years, and at what price? While many women may not think about relying on others for care, ignoring the future can carry significant financial and emotional risk. In the October 2004 Assisted Living in the United States Research Report conducted by Bernadette Wright of The American Association of Retired Persons (AQARP), 79 percent of nursing home residents were women whose average age was 85. Because of their longer life span, women should think carefully about including long-term care insurance in their retirement plans.Planning Charge to Caring Husbands:1) Consider having some Life Insurance on yourself after the kids grow up and move away, and the house is paid off. Why? Your wife will statistically out live you by 5.3 years. Have some combination of Life Insurance and inflation beating investments to provide for her lifetime. Love provides and overcomes obstacles. We can assist you to create you desired financial outcome.2) Also, have a Long-Term Care Plan for both you and your spouse. Why? It is one of the most practical ways you can financially love her. Many families end up spending all their savings and retirement plans caring for the husband when he has a long-term care need. When he dies, the wife can be left with little or nothing to live on. Plan ahead and you can avoid this. Having a long-term care plan on you financially provides a professional care giver to help your wife be a care manager, not an exhausted daily care giver. And it also protects family assets and retirement plans to provide for your wife if you predecease her.