- Bridging The Benefits Gap
More than ever, educations is key as outlooks on risk & time horizons are changing
by Ann Brisk
As most open enrollment periods at U.S. companies wrap up, retirement plan advisors are shifting their focus toward benefits education going forward. The coronavirus pandemic (COVID-19) has altered or upended advisors’ outlook on risk, uncertainty, external factors, forecasting time horizons, and scenario modeling. Still, there are options to help advisors navigate benefits education over the…
read more - Helping Employees Navigate The Virtual Sale Process
The fact that they are working differently shouldn’t prevent clients from making smart decisions
by Eric Reisenwitz
Open enrollment season is upon us. This year, annual enrollment will likely look very different as a result of the COVID-19 pandemic. Many workforces are still operating remotely and those that have returned to the workplace are following strict social distancing protocols.
read more - Opening The Annuity Portfolio
How to help your clients choose the right products for them
by Rich Lane
In today's economic uncertainty, annuities can provide a more stable investment. But many clients may not understand how annuities differ and the benefits that each type offer. Advisors are in the position to help clients understand the key differences and benefits to guide their clients toward a decision based on their stage of life, their…
read more - Measuring The Impact Of Student-Debt on the Retirement-Savings Process
Even in normal times, it can undermine personal financial planning
By John Kozar and Doug Chittenden
The economic implications of COVID-19 have been vast, shutting down businesses and forcing the highest unemployment rate in America since the Great Depression. While we’re just starting to fully understand how these disruptions will continue to impact our everyday lives, student loan debt continues to strain people of all ages. Today 1 in 4 Americans…
read more - Advising The Generational Divide
How Millennials and Gen Xers are driving broader discussions with advisors
By Kevin Hogan
Younger generations have been tech-savvy for most of their lives, a fact that may lead some to believe they prefer to rely on technology for financial advice. That’s not, however, always the case.
read more - A Diverse Thought: Businesses Can Do Well By Doing Good
Reimagining our playbook for growing and managing wealth
by George Nichols III
Our nation is a melting pot of cultures and creeds – a diversity of thought and experience that shapes our uniqueness and hopes to posit our nation as an example of equitable opportunity.
read more - Integrating Social Security and Medicare for Early Retirees
Three critical catches clients face when claiming Social Security early
by Marcia Mantell, RMA®, NSSA®
At first glance, it can seem strange that clients enroll in Medicare on Social Security’s website. Medicare has a robust website in its own right, chock-full of important information and expansive tools that clients need to estimate costs of the various parts of Medicare.
read more - A Conversation With Gina Birchall
Embracing Life
by P. E. Kelley
September is Life Insurance Awareness Month, the embodiment of a strategic effort by numerous industry constituencies to provide a sharper focus on the importance and immutable efficacy of our life insurance products.
read more - The Simplicity Of Dental and Vision Insurance
Keeping Molehills From Becoming Mountains
by Bob Ruff
It is the age-old advice of weary parents everywhere: Don’t make a mountain out of a molehill. In most situations, refusing to sweat the small stuff helps people free themselves to focus on what matters most. But when it comes to health, the converse can be true: Taking care of the small things can help…
read more - Does Your Corporate Culture Get All A’s?
The proactive process to shape the team culture you want
by Jason V. Barger
It’s an instant gratification world where people/employees/leaders want things to change immediately. They want progress to be a flip of a switch. They want the easy button. Every leader, team and organization wants to snap their fingers and magically arrive at their desired outcomes.
read more - The Finance Of Today’s Higher Education
Three tips to maximize college savings
by Jill Erps
On the heels of College Savings Month, September may seem like an odd time to start thinking about college savings. But back-to-school time is the wakeup call most parents need to get serious about planning for their child’s higher education.
read more - The Income Protection Mindset
What healthcare professionals need to know
by Jeff Brunken
Most working adults would never consider going without a life insurance policy, but disability insurance is still an afterthought for many people. This is a sobering fact because a person is more likely to suffer a career-shattering disability than an untimely death. An actuarial study by the Social Security Administration found that one in four…
read more - Engaging Gen-Z
Five strategies that focus on their health & wealth
by Kevin Robertson
Generation Z, or those born between 1996 and 2012, are joining the workforce at an increasing pace with more than 70 million young adults falling in this generation, and they are taking an active role in managing the intersection of benefits and their finances.
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