gmhTODAY 17 gmhToday Nov Dec 2017 - Page 24

FINANCIALLY Speaking 1. Jeffrey M. Orth is a Chartered Financial Consultant, a Certified Advisor in Senior Living, and an Investment Advisor Representative, with over 15 years of experience as a business and personal planning, insurance, and wealth management specialist. Jeff is available for group lectures and private consultations. Visit or call 408.842.2716. The author’s opinions, comments, information, etc. are those solely his own and are independent of, and do not represent, HTK, and should not be considered as specific investment or planning advice. Please consider your options based on your individual circumstances. Past performance is not indicative of future returns. gmhTODAY and other listed entities are independent of and unaffiliated with, HTK and Integrated Financial Benefits Network (IFit). 1919001MS_Nov19 24 Value is More Important than Price I t is not uncommon in my line of business to have an insurance or investment company assign an ‘orphan’ to me. An ‘orphan’ is someone who no longer has a professional advisor connected with their account because their original representative retired or passed away. I had a diffi cult conversation with a new orphan a few days ago. He told me that 19 years ago he purchased a twenty-year term policy because he t