A Retirement Counselor honors all obligations and commitments.
Making promises to seniors and their families, and then keeping those
promises, are at the core of what we do. To be trusted with the care of
seniors, this standard must apply to all of your business dealings. Once
someone has relied on your promise, whether it is for services to a
client or any other obligation of your business, you must perform as
promised. While circumstances change over time, the fact that what you
have promised is no longer advantageous to you does not excuse your
obligation to perform.
While payment and/or instructions may
come from family members, a retirement counselor shall always consider
the senior to be the client and base advice and services on the best
interest of the senior.
Confidentiality. The counselor-client
relationship is one of trust. Counselors strive to maintain appropriate
boundaries and protect the client's personal information. Exceptions to
confidentiality include when a client or others are in immediate harm or
when the counselor must release confidential information by court order.
Informed Consent. Clients have the right to participate in
assessments and treatment plan development. They may also terminate the
relationship. Counselors must provide clients with sufficient
information to make their decision. If the client is medically or
legally unable to provide consent, the client's legal guardian gives
this consent to provide services.
Upon the commencement of a
service relationship, a Retirement Counselor should ascertain the legal
status of the client and any other interested parties or family members,
always obtaining any relevant legal documentation and retaining a copy
of same in the service record so that all claims of authority can be
A Retirement Counselor shall not obtain a financial
interest in the property of a client nor any financial interest that is
adverse to that of a client.
A Retirement Counselor works for
compensation agreed before providing services, whether it be directly
from the senior and/or their family or from an employer that is
providing said services. Accordingly, accepting gifts, gratuities and/or
bequests is typically not appropriate.
Avoid taking sides in
family disputes. It is the obligation of the Retirement Counselor to
facilitate access for all family members to the senior and information
about care except to the extent that it violates the privacy rights of
the senior or presents a risk to the safety of the senior.
suspected abuse must be promptly investigated and reported to Adult
Protective Services or other proper authority. Having a suspicion proven
wrong is not a negative outcome; failing to halt ongoing abuse is.
Whenever appropriate, the advice of licensed/certified medical and
other professionals should be obtained and followed.
Retirement Counselor never makes a false claim to close a sale or for
any other business purpose.
An ethical Retirement Counselor
advises a prospect of all options available to meet their needs, not
just those that the Counselor is offering. When the Counselor is aware
of other providers who may be better able to meet those needs - or even
offer a viable alternative worth considering - they should refer the
prospect to those providers.
Always address the seniors we
serve with dignity. Do not use familiar, diminutive or even endearing
forms of address without the permission of the senior.
propose a plan for how the clients needs will be met and your services
provided. This includes disclosing all known or anticipated costs as
well as how to determine when the service you provide may no longer be
adequate and what additional services and/or providers may be needed at
A Retirement Counselor endeavors to provides
information and access to both the senior and the care planning process,
to the extent permitted by HIPAA, where applicable, to all family
members and other parties who have an interest, or feel they have an
interest, in the welfare and/or affairs of the senior. When practicable,
discussions regarding care planning should be held with all interested
parties in attendance at the same time.
Some of our members have taken the
extra step of completing an education program to become certied as
Retirement Experts. CLICK HERE to see a list of current Certified