Released on: September 15, 2008, 7:18 am

Press Release Author: Banyan Rock & Talent

Industry: Healthcare

Press Release Summary: As the baby boomer generation ages, investing in long-term
care coverage is becoming a must for individuals to secure the financial future.

Press Release Body: FOR IMMEDIATE RELEASE
Media Contact:
Cindy Stranad
919.232.5008
Cindy@articulon.com

Boomers Need to Protect Finances from Long-Term Care Costs
Dale Merritt Explains the Need for Long-Term Care Insurance

RALEIGH, N.C. (September 15, 2008) – Dale Merritt, a financial advisor for Banyan
Rock & Talent, a provider of financial planning and insurance services, advises
investing in long-term care coverage for the baby boomer generation is a must to
secure their financial future.

With the average life expectancy reaching age 90, according to Center for Disease
Control (CDC), baby boomers should expect to live another 25 to 30 years. Researcher
Peter Kemper, Ph. D. in the Department of Health Policy at The Pennsylvania State
University, reports that 69 percent of seniors will require long-term care in their
later days. “To maintain their current lifestyle, it is important to secure future
financial stability through long-term care insurance,” says Merritt.

Merritt suggests individuals that would particularly benefit from long-term care
insurance are:
· Those who have a family history of needing long-term care.
· Those who will have a retirement income that would not easily cover the cost of
in-home nursing care or care at a facility of choice.
· Those who wish to leave a financial legacy for family and/or charity.
“In-home nursing care averages $128 per day and nursing home care averages $3,110
per month,” says Merritt. “Medicare and Medicaid do cover some expenses, but often
do not cover all of the medical and other personal care services needed.”

After counseling several clients who were burdened with covering the long-term care
cost of their parents, Merritt investigated and joined the American Association for
Long-Term Care Insurance (AALTCI). AALTCI is a national organization dedicated to
promoting the importance of planning for long-term care needs.

“My first priority with clients is to provide them with investment advice, but I
also have to look at their overall financial plans,” adds Merritt. “The number of
people using long-term care services has grown 40 percent during the past four
decades. Having the ability to offer my clients insurance against potential
financial drains such as long-term care is an important piece of a person’s future.”

For more financial planning tips, call Dale Merritt at (919) 782-0033 or visit
www.dalemerritt.net .

About Dale Merritt:
Dale Merritt is a wealth Strategist with Banyan Rock & Talent. Having grown up in
Zebulon, Dale is eager to provide financial opportunities to the community in which
he was raised, offering real estate and retirement planning as well as other
financial services to eastern Wake County. Merritt has several securities
registrations including Series 6, 7, 63 and 66, as well as a Long-Term Care
Insurance license and a Life Insurance license. Merritt believes in remaining active
in the community. In addition to being part of the Zebulon Chamber of Commerce and
the Knightdale Chamber of Commerce, he maintains active membership in the North
Carolina Cattlemen’s Association and the Appalachian State University Triangle
Alumni Chapter. He and his wife, Katie, also volunteer with the Paw Prints Animal
Rescue in Garner. For more information, call (919) 782-0033 or visit
www.dalemerritt.net .

About Banyan Rock & Talent:
Based in Raleigh, Banyan Rock & Talent is a collaboration of registered reps with
FSC Securities Corporation. Founded in 1986 on the philosophy that strength, growth
and the diversification of their client’s hard-earned money is made possible through
knowledge, diligence and years of experience, Banyan Rock & Talent specializes in
areas including stocks, bonds, mutual funds, variable annuities, retirement
strategies, market timers, life insurance, disability insurance and applied real
estate. All strategists are registered representatives offering securities through
FSC Securities Corporation, a registered broker-dealer, and member of FINRA/SIPC.
For further information, visit 3356 Six Forks Road Raleigh, NC 27609, or call (919)
782-0033.

About AIG Advisor Group, Inc.:
The AIG Advisor Group, Inc. is among the largest independent Registered
Representative networks in the United States and consists of Advantage Capital
Corporation, AIG Financial Advisors, Inc., FSC Securities Corporation and Royal
Alliance Associates, Inc. that are all members of FINRA & SIPC. These independent
broker-dealers, with more than 7,000 independent financial professionals, are all
wholly-owned subsidiaries of American International Group, Inc. (AIG). AIG Advisor
Group is a marketing designation for certain broker-dealers, and investment advisers
affiliated with American International Group, Inc.

Securities and Advisory Services offered through FSC Securities Corporation, Member
FINRA/SIPC. Banyan, Rock & Talent is not affiliated with FSC Securities Corporation
or registered as a broker/dealer or investment advisor.

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Web Site: http://www.dalemerritt.net

Contact Details: Media Contact:
Cindy Stranad
919.232.5008
Cindy@articulon.com