- IRS Expands Threshold On HDHPs With Health Savings Accounts
What IRS 2019-45, which addresses preventive care for chronic conditions, can mean for your clients
by Kevin Robertson
People with chronic health conditions got some good news this summer from an unlikely source – the IRS. A July IRS notice says that individuals may no longer have to meet their full healthcare deductible before accessing critical preventive care, such as insulin for diabetics or inhalers for asthmatics.
read more - Health Savings Accounts: The New Retirement Planning Tool
Making the most of the tax-saving benefits that health savings accounts offer… both today and in retirement
by George W. Schein, JD
Health savings accounts (HSAs) are a great option for clients seeking tax-advantaged savings vehicles. However, many clients do not understand how to take full advantage of their HSAs, or even the benefits HSAs offer. In fact, 65 percent of those who contribute to an HSA are not using it as an investment vehicle. And only…
read more - Marketing to Millennials
How advisers can adapt their approach and step up their game
by Tom Harris, CLU, ChFC, FLMI
My company recently conducted a national study on attitudes and behaviors of parents and grandparents, focusing specifically on how young adults plan for their expanding families. In evaluating the generational data, some interesting findings emerged.
read more - The Collateral Crisis of Caring
How boomers, mostly women, are becoming the custodians of generational longevity
Can life settlements make a difference?
by Anne Long
The statistics are startling. According to the U.S. Census Bureau, there are currently 44 million unpaid eldercare providers in the United States, with women composing the majority. Daughters account for seven of every 10 adult children who help their older parents.
read more - Women, Planning & The Reality of Longevity
Are the rules, and the benefits, really different for women?
by Marcia Mantell, RMA
Most advisors who are fairly proficient in Social Security’s rules know the technical answer to the question “Is Social Security Really Different for Women?” is no. The calculations to determine one’s Social Security benefit are the same whether male or female...
read more - A Conversation With Aimee Johnson
Women, Money & Power
by P. E. Kelley
The idea of the ‘empowerment of women’ would seem by now embedded in our culture, having germinated in protest in the 1960’s and becoming gradually codified into the consciousness of society, and ultimately into the fabric of the lives of so many. But how engrained is it? Just how confident are women today in the…
read more - Retirement Income Investing: A “New Fashioned” Approach
If the current rally continues…what’s your action plan?
by Steve Selengut
What if you could trade bonds more safely, more effectively, and less expensively than Wall Street’s “masters of the universe”? You can.
read more - The Advisor As 3(16) Administrative Fiduciary
How you can add value to your clients that can help reduce workload, costs and risks
by Robert Baumgarten
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.
read more - The True Meaning Of Holistic Planning
Accounting for your client’s ‘total wealth framework’
by Lane G Martinsen, Certified Financial Fiduciary, RICP
Most individuals assume when they walk into a financial advisor’s office, they are receiving the best investments and advice to achieve their financial goals. These are not just goals, but goals filled with a lifetime of blood, sweat, tears and dreams. Just as a patient puts their life into the hands of a surgeon before…
read more - Who’s Afraid Of GDPR?
The EU’s General Data Protection Regulation went into effect in 2018, and is being called history’s most powerful privacy law
by Tom Murray
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…
read more - From Savings Shortfalls To Retirement Income Success
For many employees, the first step is overcoming their own biases toward saving and investing
by Robert Baumgarten
Since retirement planning is such a critical life process for workers, advisors have a special responsibility to ensure their clients are offering the right tools and advice to help employees put themselves in the best position to retire.
read more - No Surrender
Tapping into the resource-generating power of Life Settlements
by Michael Freedman
It’s no secret that the costs of living in retirement are rising. Healthcare costs are creating financial hardships and crises that can devastate older Americans and their families. While seniors look for resources in retirement, one untapped – and often unknown – tool for seniors is to sell their life insurance policies, known as a…
read more - MCIM and The Velocity of Money
The more frequent the profits, the stronger the growth
by Steve Selengut
Market Cycle Investment Management (MCIM) was developed in the 1970s, at a time when individual equities were the most popular game in town. There were no «self directed» IRAs or 401ks and trusteed pension and profit sharing plans ruled the corporate benefits roost.
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