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  • Social Security & The Emerging Specter of Viability
    Social Security & The Emerging Specter of Viability

    Considerations for your clients in the New Year

    by David G. Freitag, CLU, ChFC, CRPC

    According the June 2019 Trustees’ Report, the Social Security Program pays benefits to more than 63 million people each month. Beneficiaries fall into three broad categories – retirement, disability and survivors.
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  • Women & Social Security: Five Common and Avoidable Missteps…
    Women & Social Security: Five Common and Avoidable Missteps…

    … And how you can help them before it’s too late

    by Marcia Mantell, RMA®

    My husband let me know he stopped by the Social Security office on his way home. He just started collecting Social Security. He’s 62.
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  • Preparing For the Next Recession
    Preparing For the Next Recession

    Building portfolios to withstand a significant downturn before they happen is the best way to manage when they do

    by Gregory B. Gagne, ChFC

    After waves of speculation in 2019, fears of a severe, imminent recession have mostly subsided within the U.S. financial industry. Stock market indices posted significant gains in 2019, and the yield curve inversion on 3-month and 10-year U.S. Treasury securities disappeared in November.
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  • A Conversation With Melinda Mecca
    A Conversation With Melinda Mecca

    Model Portfolios

    by P.E. Kelley

    What’s driving interest can be summarized by our own FlexShares ETFs Race to Scalability survey of advisors, which was designed to gauge financial advisors’ attitudes regarding the use of third-party investment management solutions.
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  • Managing Taxes During Retirement
    Managing Taxes During Retirement

    Leveraging the accumulation and payout advantages that annuities can offer

    by Mike Reidy

    Outliving their income is often the main concern for your clients in retirement. While there are a number of vehicles available to help provide income, annuities have come back into focus as a viable option given their unique characteristics, including the availability to provide income over clients’ lifetimes or a set period of years.
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  • A New Lease On Life
    A New Lease On Life

    Examining the forces that will reshape the life insurance industry through 2022

    by Ed Majkowski, CPA

    The past decade’s low growth rates, lack of trust in institutions and declining policy sales are forcing life insurers to redefine their value propositions to stay relevant for new generations of consumers. Optimizing costs while investing in the right technologies and talent are also top agenda items.
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  • Stewarding Family Well-Being And Financial Well-Being Through The Generations
    Stewarding Family Well-Being And Financial Well-Being Through The Generations

    How Hawthorn, PNC’s Institute For Family Success guides the affluent to a longevity strategy

    by Nicole Perkins, J.D. & Alexandre Monnier

    The general impact of longevity has been well analyzed and documented. It started to change the way we live, impacting our families, our work, our educational system, our communities, and even our social contract. It will result in a complete rethinking of time and redefinition of the markers of life.
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  • One Conversation Can Make All the Difference
    One Conversation Can Make All the Difference

    Planning for the realities, and misconceptions, of long-term care

    The phone rings and it’s your client’s son – his aging father’s health has taken a turn for the worst, and the family is now faced with the possibility of having to make rushed, emotional and potentially expensive long-term care decisions. The son is asking you what plan his father put in place to prepare…
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  • Transferable Systems Give Your Sales People The Edge They Need
    Transferable Systems Give Your Sales People The Edge They Need

    How do you train a new producer with little to no experience to be successful?

    by Eric Silverman

    The problem with teaching new sales recruits how to be successful in an industry that is literally designed for success is… getting started. Therefore, let’s start by answering these three questions honestly.
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  • Fixing Financial Un-Wellness at the Workplace
    Fixing Financial Un-Wellness at the Workplace

    As business booms, many employees struggle with savings, debt and the healthcare wild-card

    by Ken Verzella

    Tight competition for talent … on- and off-again trade wars … shifting consumer preferences.  Despite a relatively robust economy, businesses have no shortage of external forces to worry about.
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  • Delivering Promises
    Delivering Promises

    How Enterprise Risk Management can codify and integrate a culture of growth and success

    by Joseph W. Sullivan, J.D.

    A fully operationalized Enterprise Risk Management (ERM) strategy and discipline is a good business practice and critical component of any strategic plan. At my company, we’ve created an ERM culture throughout our entire organization to help ensure we can continue to deliver on our promises to our policyholders and producers.
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  • Grouping Up
    Grouping Up

    Three innovative solutions to reduce group plan costs and improve outcomes

    by Mark Manquen, CPA, MST

    Group health plans have been used for decades by employers to provide viable healthcare coverage for their employees and as a valuable fringe benefit to attract and retain talent.
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  • Planning a Retirement Income Strategy
    Planning a Retirement Income Strategy

    How well do your clients really understand the process?

    by Sosseh Malkhassian

    Although two-thirds of workers are actively saving for retirement, only 4 in 10 have tried to calculate what they’ll need, and very few have a financial plan for retirement. People know they need to save, but they’re unaware of the importance of creating a retirement income strategy. It’s a critical area of retirement education that…
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