When it comes to planning for sustainable, reliable income throughout a client’s retirement, sometimes less is more. Think smaller withdrawal rates, fewer equities, or downsizing to a smaller home. It’s equally important to assess when more is more.

America spends more per capita on healthcare than any other developed country in the world with less to show for it than most, the U.S. Centers for Medicare and Medicare Services (CMS) reports. Healthcare expenses increased to nearly $3.5 trillion in 2017 and were primarily driven by aging baby boomers seeking more care as well…

The ever-evolving distribution equation continues to be of critical concern to the players involved, especially those working in the senior market space. From manufacturers with a sharp eye on the effective flow of products, to agency owners with a keener eye on profitability and succession, the delivery chain requires, more than ever, viability and cost-efficiency.

Market volatility has returned in a big way in 2018. The most often cited measure of volatility, the Cboe Volatility Index (VIX), has averaged 16.27 so far this year, compared to 11.85 for all of 2017. This turbulence has become the new norm for financial professionals and investors alike and the impact has been notable.

Once the domain of large institutions with deep pockets, Artificial Intelligence was a secret weapon to gain an edge over markets and gain insights into consumer behavior. More recently, RIAs and fee-based advisors are adopting AI to transform every aspect of their practice from the front-end to the back office.

As a long term care insurance carrier for the past 40 years, we know from our daily interactions with policyholders and their families just how daunting it can be when a spouse or adult child is suddenly thrust into the role of caregiver.