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welcome to the savvy ladies Wednesday wisdom webinar Im Maggie Montanaro and Im the marketing manager at savvy ladies if you have a question during the webinar you can type it into the chat box and if youre joining us by phone you can email your question to info at savvy ladies org todays presenter is Lisa Horowitz founder of life cycles she has had her own insurance practice for 29 years Lisa is a highly experienced broker and specializes in negotiating across many health industry platforms such as life insurance long-term care Medicare and all its iterations Lisas expertise also extends to management of long term and end-of-life care and she is an expert at navigating the worlds of public and private health related benefits lisa is a chartered life underwriter and a chartered financial consultant thanks for joining us Lisa and Ill hand it over to you very good Maggie thank you so much good afternoon everybody Im Lisa and I want to first and foremost thank Maggie and everyone i