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  • Fear Factor: Worrying about Financial Wellness
    Fear Factor: Worrying about Financial Wellness

    How the industry is developing dynamic tools to educate, and advise, weary clients

    by Tom Foster

    An earthquake or tornado destroys your neighborhood … terrorists attack your community… burglars or thugs invade your home … The news is full of scary events that cause us to worry and fear for our well-being.
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  • Planning’s Generational Problem
    Planning’s Generational Problem

    How to help Gen X clients plan for income in retirement

    by Rob Comfort

    The gloom of the impending retirement crisis facing the Baby Boomer generation has gone from oft-discussed concept in financial planning circles to a sobering reality, as 10,000 savings-strapped Boomers enter retirement each day. 
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  • Longevity Planning Starts Early
    Longevity Planning Starts Early

    Five steps to help clients win the retirement income challenge

    by Craig Hawley

    Americans are living longer. The average life expectancy in the United States is now 79 years as of 2018, compared to just 70 years back in 1968.
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  • Even Smart People Make Strange Decisions
    Even Smart People Make Strange Decisions

    Or how to stop loaning the Government your money and start earning more

    by Herbert K. Daroff, J.D., CFP, AEP

    Would you race to the store to save 6.25%? Sale, 6.25% off everything in the store! Probably not. Yet, people flock to the store for a sales-tax holiday. Do you like getting an income tax refund? Do you like making an interest free loan to the government?
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  • A Conversation With Laurinda Ferreira
    A Conversation With Laurinda Ferreira

    Failure not an option

    by PE Kelley

    The essential value-proposition for success in financial services has always been deceptively simple. From debit-agents working their neighborhoods, families and friends to today’s retirement planners constructing complex income-strategies, the only job requirement, at the outset at least, was a desire to succeed.
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  • Income Planning Resolutions
    Income Planning Resolutions

    Three ways to help your clients in the New Year

    by Tim Seifert

    Resolutions are made (and often broken) each January. However, the start of a New Year is an ideal time for financial reflection. Clients should take stock of where they stand financially, determine where they want to be, and set the goals needed to get them there.
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  • For The New Year, The World Looks A Little Wobbly
    For The New Year, The World Looks A Little Wobbly

    Twelve key themes across politics, the economy, and culture that will shape the world in the coming year

    Twelve key themes across politics, the economy, and culture that will shape the world in the coming year Predictions for 2019 from The Economist (www.economist.com) With a growing global audience and a reputation for insightful analysis and perspective on every aspect of world events, The Economist is one of the most widely recognized and well-read current…
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  • Tech and Timing: Key Aspects for Optimizing Insurance Marketing
    Tech and Timing: Key Aspects for Optimizing Insurance Marketing

    Today’s strategy focuses on timing, demographics & channel

    by David Reid

    Navigating the insurance industry is unique, and this is especially true for marketing. Rather than a strong sales approach, successful marketing in the insurance industry focuses on educational marketing. Key factors to consider when marketing are timing, demographics, and channel of messaging.
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  • Attract & Retain- The Group Challenge
    Attract & Retain- The Group Challenge

    Putting a sharper focus on benefits to help your worksite clients manage and maintain their talent-pools

    by Stephanie Shields

    With a growing economy and record-low unemployment, employers enter 2019 knowing they must battle to attract and retain talent if they expect to stay competitive in the marketplace. Trends point toward a shift in perspective among employers, with a greater willingness to invest in benefits that enhance employee recruitment, retention and engagement.
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  • Advising The Involuntary Philanthropist
    Advising The Involuntary Philanthropist

    What’s the best asset to give to charity?

    by Herbert K. Daroff, J.D., CFP®, AEP®

    Are you currently an INVOLUNTARY philanthropist? Over-paying your taxes? Would you like to be a VOLUNTARY philanthropist instead, and at the same time help yourself financially, help your heirs, and help local charities?
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  • Breaking Through The Benefits Noise
    Breaking Through The Benefits Noise

    How to help employees overcome information overload

    by Meredith Ryan-Reid

    Annual enrollment season is in full swing. Employers have spent months preparing their benefits offerings, and yet, employees are still overwhelmed by the process of selecting their benefits for the following year. What can employers do to break through the noise?
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  • For Benefits, Getting It Wrong Should Not Be An Option
    For Benefits, Getting It Wrong Should Not Be An Option

    Are your employees selecting the right health plan?

    by Chad Wilkins

    When employees do not understand their health plan options and the factors that influence health plan selection, they could end up making a costly mistake. Selecting the “wrong plan” may cause employees to pay more without getting more coverage or benefits in return.
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  • The Triple Play Premium Financing Strategy
    The Triple Play Premium Financing Strategy

    Helping up and coming clients meet their life insurance needs

    by Christopher J. Monroe

    Premium financing has historically been a strategy that high-net worth individuals use to help pay their life insurance premiums when they had a large premium need, but preferred not to access capital or reduce cash flow for the premiums. High-net worth individuals often need to secure life insurance coverage with death benefits exceeding tens of…
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