When it comes to retirement, most advisors use potential longevity as a guide to frame planning goals with clients. Using an estimated lifespan, they project housing costs, transportation needs, vacations, and a range of other retirement expenses into the future.

It is surprising, and unfortunate, that a lot of people make mistakes with their estate planning, mistakes that can often cause themselves and their families considerable trouble, cost and angst. Fortunately, these common mistakes are usually not too difficult to avoid.

Ecosystems are the new market. And as consumers embrace a new power, one that they wield in the palm of their hands, every typical business-to-consumer relationship has become summarily disrupted. Retail markets are in free-fall, as brick and mortar evaporates into the cloud and distribution becomes reinvented in a new digital space.

The short answer is, it depends on whether an exclusion applies, whether the overdose falls within the definition of “accidental” death in the policy and under state law, and, believe it or not, what type of drugs are involved.

Privacy didn’t feature in any aspect of law until the latter half of the twentieth century. From the original census called by Herod, the idea that the powers that be were entitled to the maximum amount of data was ingrained in the general population. If asked, people would provide any amount of information that was…

Retirement plan administration is complex, and plan sponsors are subject to a number of ongoing requirements to maintain compliance. If those responsibilities are not met, employers can face fines or even legal consequences.