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  • Time to Build Healthcare into Retirement Plans
    Time to Build Healthcare into Retirement Plans

    Long absent from the income/longevity equation, it now bears heavily upon the mathematics of retirement

    by Ron Mastrogiovanni

    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.
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  • Life Insurance Needs in Less than a Minute

    Life Insurance Needs in Less than a Minute


    A complete and meaningful analysis of your client’s true needs takes time… and trust

    by Chris W. Kite

    If you could present an accurate needs analysis in less than a minute, would you sell more life insurance? 

I once presented at a Life Office Management Association (LOMA) conference to illustrate how quickly you can get a dynamic look at a client’s life insurance needs using a simple multiple of income method.
It can be…
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  • The Top 8 Mistakes People Make In Estate Planning
    The Top 8 Mistakes People Make In Estate Planning

    From unfunded trusts to poorly coordinated beneficiaries, there are some common planning landmines to avoid

    by Harry S. Margolis

    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.
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  • Legacy & Wealth: Is Your Estate Plan Really in Order?
    Legacy & Wealth: Is Your Estate Plan Really in Order?

    For many clients today, the answer is ‘not completely’

    by Ken Cella

    In the past, many people considered estate planning as something just for the wealthy. That view is changing, yet many Americans have not taken the most basic steps to ensure that their heirs are properly provided for in the future. In fact, a recent survey by Edward Jones found that while 77% of Americans believe…
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  • A Conversation With Neil Sprackling
    A Conversation With Neil Sprackling

    Digital Ecosystems

    by P.E. Kelley

    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.
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  • Building a Better Workforce
    Building a Better Workforce

    How voluntary benefits are critical to any ‘attract and retain’ strategy

    by Chris Wilson

    No one starts their first job anymore expecting the trusty model of the career track. One simple “You’re hired!” used to signal the start of a long, satisfying career at the same firm. Case in point, here at Reliance Standard our current CEO started his career as a sales representative in 1984 and never left!…
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  • Attract And Retain
    Attract And Retain

    An employee benefits strategy to drive engagement and retention

    by Marc Costantini

    To call the current American labor market “challenging” for employers understates the unfortunate dark side of low unemployment and economic success – high employee turnover.
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  • Can Life Insurance Claims Be Denied for Drug Overdose?
    Can Life Insurance Claims Be Denied for Drug Overdose?

    Read very carefully through the policy language

    by Veronica Baxter

    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.
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  • Successful Leadership During Change and Uncertainty
    Successful Leadership During Change and Uncertainty

    The true test comes when you can adapt and thrive in any environment

    by Brad Wolff

    Successful leadership requires navigating your organization through periods of change and uncertainty. Learn how to do this well, and you can adapt and thrive in any environment.
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  • Who’s Afraid Of GDPR?
    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…
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  • The True Meaning Of Holistic Planning
    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…
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  • Plan Providers Can Offer Clients Value as 3(16) Fiduciary
    Plan Providers Can Offer Clients Value as 3(16) 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.
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  • Retirement Income Investing:  A “New Fashioned” Approach
    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.
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