hurry

Sam and Talia are meeting with Ralph, their financial planner, to discuss their risk management needs. The couple already identified that one of their main concerns is protecting their current standard of living if one of them should become injured and unable to work. Ralph is now trying to determine what coverage Sam and Talia may already have, and determine their needs in the event that one of them becomes unable to work. Based on Sam and Talia's current situation, which of the following is CORRECT? a) Ralph is in the final step of the needs analysis framework with Sam and Talia. b) Ralph should recommend a general power of attorney to meet their needs. c) Ralph should recommend LTC coverage as the optimal solution to meet their goals. d) Ralph is currently in the second step of the needs analysis framework with Sam and Talia