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  • Making Contact, And Making Sense, With The LGBTQ Community
    Making Contact, And Making Sense, With The LGBTQ Community

    How do traditionally trained advisors connect with a market that has been wholly under-served?

    by Marcia Mantell, RMA

    Unless you’ve designed your financial advisory business around specific niche markets, you know opportunity comes from any number of different population segments. 
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  • Guaranteed Appeal
    Guaranteed Appeal

    Advising annuities in a fluctuating marketplace

    by Herb Braley, Jr.

    A growing concern among working individuals is whether or not they are saving enough money for retirement. Luckily, various financial products exist to mitigate the longevity risk and provide guaranteed solutions.
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  • Advising The Next Great Wealth Transfer
    Advising The Next Great Wealth Transfer

    Building wealth for a new generation of clients

    by Craig Hawley

    As a financial advisor, helping your clients to build more wealth and reach their financial goals is at the center of everything you do. Your challenges is to develop a holistic plan across all three stages of their financial lifecycle, one that includes effective strategies for accumulation and income generation...
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  • Diverse Appetites for Retirement
    Diverse Appetites for Retirement

    Different groups view retirement through different lenses

    by E. Thomas Foster Jr

    The world’s record for the largest menu has been held by a restaurant in Budapest, Hungary, since 2006, according to Guinness World Records1.  It’s fitting that the 1,810 menu items can be found in a country named “Hungary.”
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  • Insuring Against The Risk of Living Too Long
    Insuring Against The Risk of Living Too Long

    How advisors can lower the frequency and severity of life’s perils

    by Herbert K. Daroff, J.D., CFP, AEP

    In the middle 1980s, the biggest concern that American retirees expressed was “dying too soon,” before they had the time to create wealth for those they left behind. Just a decade later, their biggest concern had become, “living too long,” outliving their financial assets.
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  • The Future of US Health Insurance
    The Future of US Health Insurance

    Instead of reinventing the wheel, why not look to what has already worked?

    by Eric Wilson

    Since before the Affordable Care Act was signed into law in March of 2010, there have been talks about the United States moving towards a Medicare for all program, or a single payer system, or a government run health care system or Socialized medicine.
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  • A Conversation With Melissa Cowan
    A Conversation With Melissa Cowan

    The ‘Women in Pensions Network’

    by P.E. Kelley

    Melissa Cowan, head of Business Development for Corporate Retirement Services at Morgan Stanley, is the president of the Women in Pensions Network (WiPN). This group, a 501©6 non-profit, was formed in 2009 with a fairly direct aim: to enhance networking among professional women in the retirement planning space.
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  • US GAAP Rule Change: New Assumptions, New Perceptions & New Expectations
    US GAAP Rule Change: New Assumptions, New Perceptions & New Expectations

    It’s more than an accounting change, but what does it really mean for insurers?

    by Chad Runchey & Evan Bogardus

    The insurance industry faces new challenges from new GAAP accounting rule ASU 2018-12 for long-duration contracts. Industry earnings will become more volatile based on changing estimates of future mortality rates and other economic factors.
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  • Look to IUL in Planning for Longevity
    Look to IUL in Planning for Longevity

    Affordable life insurance solution offers protection, guarantee and potential cash value growth

    by Mark Peterson

    Longevity can be a double-edged sword: the longer people live, the longer their resources in retirement must last. According to new research from AIG, more than half of Americans (53 percent) say their goal is to live to 100 years old.
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  • The Future Of Work
    The Future Of Work

    How emerging trends and next-Gen technologies will reshape HR

    by Komel Dangi

    The landscape of Human Resources (HR) is rapidly changing. From the personnel employed to the outreach and recruiting methods, the HR industry will undoubtedly look far different in the next five years than it looks currently.
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  • How Attract & Retain Strategy Can Open the Benefits Conversation
    How Attract & Retain Strategy Can Open the Benefits Conversation

    11 Facts to motivate your clients about worksite ancillary coverages

    by Brian Vestergaard

    Thanks to an historically low unemployment rate, employers are eyeing the latest and greatest in employee benefits to attract and retain top talent. They want benefits packages that are just as diverse as today’s workforce in order to appeal to a wide range of employees.
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  • Underwriting Retirement Volatility
    Underwriting Retirement Volatility

    How annuities can be the cure for an uncertain economic forecast

    by Chris Conklin

    Forecasting the economy is often a guessing game, likely more difficult than forecasting the weather. But one thing is clear: We’re entering uncertain times. Despite unemployment being at an almost 50-year low, a recession is still possible in the year ahead. Between talks of an economic slowdown and the recent unpredictability of the market, clients…
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  • Hurdling The Obstacles Of Social Security Disability
    Hurdling The Obstacles Of Social Security Disability

    How recent SSDI program changes alter the landscape for disability protection

    by Steve Perrigo

    Recent administrative changes to the Social Security Disability Insurance (SSDI) program could impose significant financial hardships both for individuals with disabilities and the long-term disability (LTD) insurance carriers that help protect their livelihoods.
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