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  • IRS Expands Threshold On HDHPs With Health Savings Accounts
    IRS Expands Threshold On HDHPs With Health Savings Accounts

    What IRS 2019-45, which addresses preventive care for chronic conditions, can mean for your clients

    by Kevin Robertson

    People with chronic health conditions got some good news this summer from an unlikely source – the IRS. A July IRS notice says that individuals may no longer have to meet their full healthcare deductible before accessing critical preventive care, such as insulin for diabetics or inhalers for asthmatics.
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  • Health Savings Accounts: The New Retirement Planning Tool
    Health Savings Accounts: The New Retirement Planning Tool

    Making the most of the tax-saving benefits that health savings accounts offer… both today and in retirement

    by George W. Schein, JD

    Health savings accounts (HSAs) are a great option for clients seeking tax-advantaged savings vehicles. However, many clients do not understand how to take full advantage of their HSAs, or even the benefits HSAs offer. In fact, 65 percent of those who contribute to an HSA are not using it as an investment vehicle. And only…
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  • Marketing to Millennials
    Marketing to Millennials

    How advisers can adapt their approach and step up their game

    by Tom Harris, CLU, ChFC, FLMI

    My company recently conducted a national study on attitudes and behaviors of parents and grandparents, focusing specifically on how young adults plan for their expanding families. In evaluating the generational data, some interesting findings emerged.
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  • The Collateral Crisis of Caring
    The Collateral Crisis of Caring

    How boomers, mostly women, are becoming the custodians of generational longevity Can life settlements make a difference?

    by Anne Long

    The statistics are startling. According to the U.S. Census Bureau, there are currently 44 million unpaid eldercare providers in the United States, with women composing the majority. Daughters account for seven of every 10 adult children who help their older parents.
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  • Women, Planning & The Reality of Longevity
    Women, Planning & The Reality of Longevity

    Are the rules, and the benefits, really different for women?

    by Marcia Mantell, RMA

    Most advisors who are fairly proficient in Social Security’s rules know the technical answer to the question “Is Social Security Really Different for Women?” is no. The calculations to determine one’s Social Security benefit are the same whether male or female...
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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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  • 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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  • The Advisor As 3(16) Administrative Fiduciary
    The Advisor As 3(16) Administrative 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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  • 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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  • 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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