• Financing Longevity
    Financing Longevity

    How advisors must continually educate their clients on protecting income for a lifetime

    by Anne Machesky

    As a financial planner for more than 35 years, I wear many hats when it comes to interacting and engaging with my clients - friend, confidant, sounding board. But one of the most important roles we play with our clients is educator.
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  • Social Security: The Foundation For Retirement Income
    Social Security: The Foundation For Retirement Income

     Five topics to discuss before recommending a strategy

    by Marcia Mantell

    When it comes to planning for sustainable, reliable income throughout a client’s retirement, sometimes less is more. Think smaller withdrawal rates, fewer equities, or downsizing to a smaller home. It’s equally important to assess when more is more.
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  • Deciphering Financial Anxiety
    Deciphering Financial Anxiety

    Why your clients need to create a successful financial wellness program

    by Meredith Ryan-Reid

    As the workplace continues to evolve, so do employees’ expectations of employers. Today, employees are looking for a personalized work experience, with flexible working arrangements and customizable benefits. One area with a growing demand is financial wellness.
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  • Health Before Wealth
    Health Before Wealth

    Balancing the longevity equation while staying healthy enough to enjoy it

    by Tom Foster

    America spends more per capita on healthcare than any other developed country in the world with less to show for it than most, the U.S. Centers for Medicare and Medicare Services (CMS) reports. Healthcare expenses increased to nearly $3.5 trillion in 2017 and were primarily driven by aging baby boomers seeking more care as well…
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The 7 Challenges of Online Identity Verification
The 7 Challenges of Online Identity Verification

    How trust will drive the growth of the sharing-economy

    by David Thomas

    The Sharing Economy is transforming how we interact and conduct business, commerce, healthcare, and more. It is “upending mature business models across the globe” and it’s growing like crazy. The sharing economy has created endless opportunities on the Internet.
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  • A Conversation With Bryan W. Adams
    A Conversation With Bryan W. Adams

    Critical Mass

    by P.E.Kelley

    The ever-evolving distribution equation continues to be of critical concern to the players involved, especially those working in the senior market space. From manufacturers with a sharp eye on the effective flow of products, to agency owners with a keener eye on profitability and succession, the delivery chain requires, more than ever, viability and cost-efficiency.
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  • Weathering Market Volatility Storms
    Weathering Market Volatility Storms

    Clients look to their advisors for steady, predictable market behaviors…

    by Gregory B. Gagne, ChFC

    With a constant flow of stock market activity reports in the news, market volatility is a topic on the top of consumers’ minds this year. There is an opportunity for advisors to engage in conversations with their increasingly informed clients to remind them of appropriate reactions and best practices in periods of volatility.
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  • Navigating Market Volatility
    Navigating Market Volatility

    Financial professionals can provide reassurance and guidance to clients amid recent market conditions

    by Kelly LaVigne

    Market volatility has returned in a big way in 2018. The most often cited measure of volatility, the Cboe Volatility Index (VIX), has averaged 16.27 so far this year, compared to 11.85 for all of 2017. This turbulence has become the new norm for financial professionals and investors alike and the impact has been notable.
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  • The Desirement Mortgage
    The Desirement Mortgage

    How to save for retirement by treating it like home ownership

    by Charlie Epstein, CLU, ChFC, AIF

    For many people, retirement planning is a subject that invokes guilt, shame, and regret. Yes, $60,000 is the median retirement savings amount, which is supposed to last for 20+ years. But even worse, almost half of US families have no retirement savings at all.
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  • The Human Element of Artificial Intelligence
    The Human Element of Artificial Intelligence

    Understanding the DNA of the advisor/investor relationship

    by Craig Hawley

    Once the domain of large institutions with deep pockets, Artificial Intelligence was a secret weapon to gain an edge over markets and gain insights into consumer behavior. More recently, RIAs and fee-based advisors are adopting AI to transform every aspect of their practice from the front-end to the back office.
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  • Annuities In Ascension
    Annuities In Ascension

    Spooked by volatility and less than stellar forecasts, clients return to safety

    by Chris Conklin

    Are annuities poised for a revival? That’s exactly what LIMRA is predicting, as it expects all annuity sales to increase 5 to 10 percent year over year in 2018, and improve up to 5 percent in 2019.
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  • Engaging With Aging
    Engaging With Aging

    How Genworth is using its website to deliberately disrupt the insurance space… and better engage and educate clients in the process

    by Janice Luvera

    As a long term care insurance carrier for the past 40 years, we know from our daily interactions with policyholders and their families just how daunting it can be when a spouse or adult child is suddenly thrust into the role of caregiver.
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  • Voluntary Disruption
    Voluntary Disruption

    Bringing the benefits portfolio out to the cutting-edge

    by Eric Silverman

    "Disruptor” is such a loaded word, isn’t it? But it is a precise description of healthcare industry thought leaders like David Contorno of Lake Norman Benefits in Mooresville, NC, Mark Gaunya of Borislow Insurance in Boston, MA, and Andy Neary of The Olson Group in Omaha, NE.
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