- Maximizing Your Windfall
With IPOs like Lyft valued at $20B, how do shareholders truly leverage their potential?
by Mitch Sands
The environment in which venture backed companies are going public today looks drastically different than in times past. When given a choice, there are many reasons why a company would choose to remain private and raise capital from the venture world, including to avoid the highly regulated environment that comes with becoming a publicly traded…
read more - Who’s Going To Own Your Assets After You?
It’s very difficult to administer your estate from the grave
by Herbert K. Daroff, J.D., CFP®, AEP®
Consider the likelihood that 80% of your net worth passes on to the next generation, after estate taxes (reduced by the State and Federal exemptions, so may be zero) and income taxes on retirement accounts (State and Federal income taxes with no benefit of stepped-up basis). So, the largest asset in your estate (unless you…
read more - Financial Trust in a Post-Fiduciary World
The value of transparency
by Kyle Ryan, CFP
As advisors, it’s our responsibility to help investors understand the benefits of putting their money to work in a smart, strategic way, and to work with them to put together a personalized plan that will help them achieve their financial goals - but we can’t do either of these things without first earning their trust.
read more - The Future Of Work
How emerging trends and next-Gen technologies will reshape HR
by Komel Dangi
The landscape of Human Resources (HR) is rapidly changing. From the personnel employed to the outreach and recruiting methods, the HR industry will undoubtedly look far different in the next five years than it looks currently.
read more - Look to IUL in Planning for Longevity
Affordable life insurance solution offers protection, guarantee and potential cash value growth
by Mark Peterson
Longevity can be a double-edged sword: the longer people live, the longer their resources in retirement must last. According to new research from AIG, more than half of Americans (53 percent) say their goal is to live to 100 years old.
read more - A Conversation With Melissa Cowan
The ‘Women in Pensions Network’
by P.E. Kelley
Melissa Cowan, head of Business Development for Corporate Retirement Services at Morgan Stanley, is the president of the Women in Pensions Network (WiPN). This group, a 501©6 non-profit, was formed in 2009 with a fairly direct aim: to enhance networking among professional women in the retirement planning space.
read more - The Finance Of Longevity
How to help your clients plan for one of their greatest risks: Long Term Care
by Dan Veto
The U.S. Department of Health & Human Services estimates that Americans of retirement age will incur an average of $138,000 in long-term care costs over the course of their lifetime. Yet according to the U.S. Government Accountability Office (GAO), the median amount of retirement savings of households aged 65 – 74 averages $148,000.
read more - Inside The Conscience of Today’s New Investor
The growing interest in ESG investing means consumers are looking for more information on the topics that matter to them
by Kelly LaVigne, JD
Lately it seems everywhere we turn, we hear conversations, see media coverage, and read stories about what’s new with environmental, social and governance (ESG) investing.
read more - Prescription without Diagnosis is Malpractice
Risk management is all about diversification, not only in asset allocation, but also in asset location
by Herbert K. Daroff, J.D., CFP®, AEP®
received this question the other day from one of our advisors (names changed to protect the clients, the advisor, and me). Abigail is working as a therapist, currently as a sole proprietor. I have the following questions regarding her practice:
read more - High Levels of Stress Impacting Financial Advisors and Investors Personally and Professionally
What’s really causing it...and what can be done?
A new study released by the Financial Planning Association® (FPA®), Janus Henderson Investors and Investopedia reveals that 71% of financial advisors and 57% of investors are currently experiencing an increase in moderate to high levels of negative stress compared to 12 months prior.
read more - US GAAP Rule Change: New Assumptions, New Perceptions & New Expectations
It’s more than an accounting change, but what does it really mean for insurers?
by Chad Runchey & Evan Bogardus
The insurance industry faces new challenges from new GAAP accounting rule ASU 2018-12 for long-duration contracts. Industry earnings will become more volatile based on changing estimates of future mortality rates and other economic factors.
read more - Making Contact, And Making Sense, With The LGBTQ Community
How do traditionally trained advisors connect with a market that has been wholly under-served?
by Marcia Mantell, RMA
Unless you’ve designed your financial advisory business around specific niche markets, you know opportunity comes from any number of different population segments.
read more - Guaranteed Appeal
Advising annuities in a fluctuating marketplace
by Herb Braley, Jr.
A growing concern among working individuals is whether or not they are saving enough money for retirement. Luckily, various financial products exist to mitigate the longevity risk and provide guaranteed solutions.
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