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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

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.

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

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