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Carmen Grinkis is currently a Partner and Wealth Advisor at AAF Wealth Management. Carmen is also the President and Founder of Income Protection Partners, where Carmen specializes in long-term care planning and protection planning for businesses and associations. Carmen has a strong background in developing and implementing long-term care insurance benefits and has held various senior positions in the financial industry, including roles at US Wealth Advisors, Wealth Secure, Roster Financial, INVESTORS CAPITAL, and Future Care Options. Carmen holds a Ph.D. in Existential Phenomenological Clinical Psychology from Duquesne University, as well as certifications in CLTC, CLU®, and CFP®.