Of all the demographic trends at work in the marketplace today, perhaps the most significant is the graying of the American population. Thanks to technology and healthier lifestyles, two-thirds of all the people who have lived past 65 in the entire history of the world are alive today.

For those of us in the financial planning and health care fields, that single astonishing fact presents opportunities and challenges. We have the ability to help our senior citizens make choices - financial, legal, lifestyle - that will influence the quality of their remaining years. It's a responsibility we can't take lightly. Here's something else to consider: According to AARP, only 8,000 of the 1.5 million people working with senior citizens have gerontology degrees. Indeed, professionals well-versed in the matters facing senior citizens are scarce and in demand.

When you earn the Certified Senior Advisor (CSA) designation, you benefit from an organization committed to providing continuing education that addresses new developments and research concerning seniors. That's no small task, considering that today's seniors must prepare for a number of eventualities and make their resources last for 30 years or more. The issues facing seniors span the various fields of medicine, insurance, investments and recreation. Keeping up with all of these is a superhuman task. As the organization dedicated to advisors serving this market, we make it easy for you to stay current and significantly ahead of your competition.

The Society of CSAs is also committed to promoting the recognition of CSAs as knowledgeable professionals serving this special population. Our certification process - which can be completed through an intensive 31/2 day program culminating in a written examination or through a correspondence course - will help you develop an expertise that simply isn't obtainable elsewhere.

Thank you for considering the Certified Senior Advisor (CSA) program. We look forward to helping you become one of the select professionals seniors want as their advisor.

Best regards,
Edwin J. Pittock, CSA
President

We invite you to review the CSA Code of Ethics.