- 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.
read more - The Life Sale: Engaging With a Rare Creature In The Wild
Connecting with insurance consumers in the financial wellbeing ecosystem
by Chris Behling
Life insurance consumers are elusive creatures. They are hard to find and even harder to engage. It’s unclear whether (A) there are less of them out there, (B) we are looking in the wrong places, or (C) we are using the wrong approaches to engage with them.
read more - Opening New Markets Through Collaboration
Today’s advisor partnerships look to open new opportunities by leveraging key skills
by Tiffany Markarian
Most advisers are familiar with the term joint-work. Joint-work is a historical term for mentoring new associates or increasing a skill set. Each adviser fosters their own client base but may collaborate together for learning or to bring additional resources to clients.
read more - Who is your client?
Building your planning-conversations around the family tree
by Herbert K. Daroff, J.D., CFP, AEP
When working with a married couple, is the higher income earning spouse your client, and the other spouse simply referred to as “the client’s spouse”? I hope not! That’s the way it was when I started in this business 40 plus years ago.I define “my client” as the family tree. Usually, at least three generations.
read more - Data & Privacy in 2019
What can you do to protect yourself from the lunatic who is savvier than you, and how to reap the benefits of data gathering
by Jason T. Andrew
Everyone is talking about data. It seems like every click we make and every call we take gives away more data about our daily habits and preferences. So naturally, any conversation about data leads to concerns about privacy.
read more - Advisory In The Age Of Technology, Privacy & Digital Access
Adapting to the emerging trends in financial services
by Ross Vanderwolf, CFP
Regulations, product offerings and digitization continue to drive a long period of industry fluctuation. In our fast-paced profession, industry developments challenge us each and every day to regularly adapt and enhance our skills to provide exceptional client service.
read more - A Conversation With Joe Gaynor
The ABCs of RMDs
by P.E. Kelley
Many investors who turned 70½ last year may have missed the December 31 deadline to take their first required minimum distribution (RMD) from a retirement account like an IRA or 401(k). Fortunately, the IRS gives some extra time to those taking their first RMD...
read more - 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.
read more - Easing Financial Stress with Employee Benefits
How employers can help employees achieve financial peace of mind
by Dick Mucci
The cliché is that money doesn’t buy happiness, but it certainly can cause stress. More than half of Americans say that financial stress had a negative impact on their life in 2018.
read more - 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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