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  • 7 Ways To Fund Long Term Care With Housing Wealth
    7 Ways To Fund Long Term Care With Housing Wealth

    Home equity is often the largest asset your client may own

    by Don Graves, RICP, CLTC, CSA

    As CLTC designees, we know the truth that most people will need extended care at some point in their lives, but many mistakenly believe that Medicare will cover the costs. The reality is: unless retirees are eligible for Medicaid, they are responsible for their own long-term care plan
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  • What Does Financial Empowerment Mean To Women Today?
    What Does Financial Empowerment Mean To Women Today?

    While demonstrating great financial confidence, they often prioritize immediate needs over long-term planning

    by Kate Warne, Ph.D., CFA

    Women have compelling reasons to take a long-term approach to planning for their financial future. They live longer than men, a growing number are their family’s primary breadwinner, and they stand to inherit a substantial portion of the $68.4 trillion in wealth that will be transferred over the next 25 years.
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  • Measuring The State Of Our Financial Wellness
    Measuring The State Of Our Financial Wellness

    The personal liquidity and retirement readiness for so many consumers reflect a financial security that is becoming alarmingly less attainable

    by Judy Dougherty

    When it comes to financial health, most Americans are fighting an uphill battle. Today, a picture has emerged where roughly half the population struggles to meet daily living expenses—let alone save for retirement or other long-term goals.
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  • A Conversation With Aimee Johnson
    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…
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  • Ten Questions to Ask Yourself When Planning for Financial Security
    Ten Questions to Ask Yourself When Planning for Financial Security

    Start by asking what’s most important… and then ask why wait?

    by Michael Yoken

    When thinking about how to protect your livelihood or build the financial resources you will need to live life as desired, it often starts with clarifying what you want to achieve, what you value and how uncertainties can affect plans and aspirations.
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  • Is The Voluntary Portfolio Even “Voluntary” Anymore?
    Is The Voluntary Portfolio Even “Voluntary” Anymore?

    The changing role of advisors and supplemental benefits

    by Brad Galiney

    Supplemental health insurance used to be just a subset of an employer’s benefits program – a nice addition for employees who wanted a little safety net in case of an unexpected life event. It wasn’t a necessity when employers funded the majority, if not all, of their employees’ health care plans and when health care…
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  • The Highs And Lows Of Today’s Social Security
    The Highs And Lows Of Today’s Social Security

    Managing Medicare changes, stealth taxes and self-preservation

    by David G. Freitag, CLU, ChFC, CRPC

    In the Fall of each year, the Social Security Administration always announces a number of changes to Social Security and Medicare systems for the following year. Without Congressional intervention or legislative adjustment, these changes will happen again in 2020 and beyond.
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  • Achieving Retirement Income Readiness
    Achieving Retirement Income Readiness

    You have to know the numbers and concepts

    by Steve Selengut

    What’s your favorite investment number: Market Value, Total Return, Performance vs. The S & P 500?  Most of you will be thinking in terms of “market value”, “returns”, and annual growth of one or the other. But if you are in my age group (over 55 to be kind), and thinking of retirement within ten…
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  • Advisors Can Point Employees Toward Financial Flexibility…
    Advisors Can Point Employees Toward Financial Flexibility…

    …through voluntary benefits

    by Elizabeth Halkos

    They may not realize it, but achieving financial flexibility is more reachable for most employees than the traditional “American Dream.” Gone are the days where most American workers longed for ‘really good life’ – the beautiful home with the white picket fence, the 2.5 kids, the golden retriever, the awesome SUV in the driveway, a…
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  • Defined Contribution = Benefits Shopping Spree!
    Defined Contribution = Benefits Shopping Spree!

    A powerful tool that puts employees in the driver’s seat.

    by Eric Silverman

    The concept of defined contribution is not widely used in the enhanced, or as the status quo industry still likes to call, ‘voluntary’, benefit space. But communicated properly, approaching enhanced benefits from the DC perspective is a powerful and innovative tool that brokers can bring to their clients.
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  • Mapping Out Your Client’s’ Future
    Mapping Out Your Client’s’ Future

    How a tech tool employs visualization to create greater client engagement and more efficient advisory practices

    by H. Adam Holt, CFP, ChFC

    The concept of defined contribution is not widely used in the enhanced, or as the status quo industry still likes to call, ‘voluntary’, benefit space. But communicated properly, approaching enhanced benefits from the DC perspective is a powerful and innovative tool that brokers can bring to their clients. I start the conversation by asking employers,…
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  • The Key to Leadership Effectiveness
    The Key to Leadership Effectiveness

    Four critical elements for true success

    by Brad Wolff

    The wrong mindset/beliefs hinder most people’s leadership effectiveness…get this right to transform your own. Do you believe that the personal and the professional aspects of your life are separate and distinct from each other? I had this belief for many years.
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  • What CEOs Don’t Know About Health Benefits is Hurting Them…
    What CEOs Don’t Know About Health Benefits is Hurting Them…

    …and the rest of America

    by Dave Chase

    The United States has always been thought of as the land of opportunity – that here, with enough hard work and dedication, you can build a life for yourself that was once only a figment of your imagination. However, the odds of anyone’s American Dream becoming reality have steadily decreased year over year...
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