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Fair, equitable, and affordable financial products and services are essential to helping people and communities build and maintain wealth.

These principles provide a flexible framework that applies to all consumer products and services:

Devote adequate resources—the nation should devote sufficient resources to ensure access to benefits and adequate benefit levels for all who qu

Promote transparency—proper accountability and oversight of government spending requires a transparent budget process negotiated by elected off

Pursue multiple strategies—a variety of strategies are needed to assure financial security in retirement.

Protect people from discrimination—freedom from discrimination is a fundamental right.

These principles reflect AARP's vision for reforming the financing and delivery of long-term services and supports (LTSS) to promote consumer independence, choice, dig