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  • Drowning in a ‘Sea of Sameness’ Drowning in a ‘Sea of Sameness’

    Financial advisors who support retirement plans need to create a unique value proposition

    by Tom Foster

    Apple® … McDonald’s® … Toyota® … GE®. The world’s most valuable brands as identified by Forbes magazine hold the promise or expectation of a unique and consistent experience. It’s why consumers are loyal to brands they trust. read more
  • How Advisors Are Changing the Financial Equation How Advisors Are Changing the Financial Equation

    It should be obvious, but often isn’t: Individuals who engage advisors tend to improve their financial futures

    by Kathie Andrade

    Whether deciding where to go on vacation, choosing what kind of car to purchase or finding the best local electrician to hire, Americans have demonstrated their comfort and propensity to ask for advice on decisions – both big and small – among their family and trusted friends. read more
  • Marcia A. Mantell Marcia A. Mantell

    The Women’s Market

    by Carolyn Ellis

    Marcia Mantell is the author of a What’s the Deal with Retirement Planning for Women, a how-to book that inspires and motivates women to be aggressive about retirement planning. From shoe shopping to learning the language of investments, Mantell speaks to women in no-nonsense yet compassionate terms. read more
  • An Asset Hiding in Plain Site An Asset Hiding in Plain Site

    Introducing the NEW reverse mortgage

    by Shelley Giordano

    What do Nobel Laureate and MIT Professor Robert C. Merton, Wade Pfau, Princeton PhD, CFA, Professor of Retirement Income at the American College, John Salter, PhD, CFP, Associate Professor Department of Personal Financial Planning at Texas Tech University, and Barry S. Sacks, MIT PhD, Harvard JD have in common? read more
  • On the Cusp of a Technology-Driven Transformation On the Cusp of a Technology-Driven Transformation

    Digital revolution has been slow to take off in insurance

    by Milka Kirova

    Digitalization and the spread of the internet and mobile technology have impacted a number of industries in recent years, transforming them beyond recognition. read more
  • Disability: The Comfortable Discussion Disability: The Comfortable Discussion

    Advisors simply cannot overlook this important coverage… for their clients and themselves

    by Jim McCarthy

    Why is it that many financial professionals are not discussing the possibility of disability with their clients? Even more surprising, I have found that many financial professionals have not even reviewed their own disability income protection safety net. read more
  • Using Permanent Insurance to Complement Social Security Planning Using Permanent Insurance to Complement Social Security Planning

    Less than 20% of retirees today have the traditional 3-legged stool, requiring some new strategies

    by Gretchen K. Smith, CLU, ChFC

    Good retirement income planning looks at all the resources a person has available for retirement, intending to utilize the available income efficiently and provide for the retirement lifestyle desired. read more
  • Life/LTCi Combos a Powerful Employer-Provided Benefit Life/LTCi Combos a Powerful Employer-Provided Benefit

    How HIPAA opened the door for tax-qualified Long Term Care

    by David A. Gresham, JD

    The Health Insurance Portability and Accountability Act of 1996 (HIPAA) set forth the requirements for tax-qualified Long Term Care (LTC) policies and provided that LTC insurance premiums qualified as “medical care” for income tax deduction purposes. read more
  • Fixed Index Annuities Gaining Traction with Broker/Dealers, Banks Fixed Index Annuities Gaining Traction with Broker/Dealers, Banks

    But they use them in wholly different ways, say Saybrus’ Mark Fitzgerald

    by PEKelley

    We caught up in December with Mark Fitzgerald, National Sales Manager at Saybrus Partners, who reported a 10% spike in FIA sales coming out of the B/D and Bank channels. read more
  • The Last Mile The Last Mile

    Today’s challenge for delivering long-term care solutions

    by Henrik Larsen, MBA, CLTC

    “The Last Mile” is a term originally coined in the telecommunications, cable, and internet industries and it refers to the last leg of delivering those communication portals to the end-consumer. In a wider supply chain management context it is the concept of loss of efficiencies the closer goods and services get to their intended destination. read more
  • Women and the Longevity Risk Women and the Longevity Risk

    Planning challenges can vary dramatically from that of men

    by Doug Dubitsky

    Worries about outliving one’s money are a concern for everyone. We are all well aware of the “longevity risk.” This may be a greater challenge for women, however, and so there are several strategies they can adopt to accumulate more money so their retirement funds last longer. read more
  • Social Security Reinterpreted Social Security Reinterpreted

    Despite losing two valuable claiming tools, there are still a few good strategies available

    by Leon LaBrecque, JD, CPA, CFP, CFA

    Social Security has long been called the “third rail” of American politics, meaning that only someone looking to get electrocuted would touch it. read more
  • Anatomy of the Life Insurance Sale Anatomy of the Life Insurance Sale

    Avoiding underwriting issues that derail a case

    by Allan D. Gersten, CLU, ChFC

    Your client claims to be in great health and there’s no reason to doubt it. So, why wouldn’t you expect the case to sail through underwriting? In your mind, you’ve already banked the commission. Not so fast. It may not be that simple. read more