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  • The Finance Of Longevity
    The Finance Of Longevity

    How to help your clients plan for one of their greatest risks: Long Term Care

    by Dan Veto

    The U.S. Department of Health & Human Services estimates that Americans of retirement age will incur an average of $138,000 in long-term care costs over the course of their lifetime. Yet according to the U.S. Government Accountability Office (GAO), the median amount of retirement savings of households aged 65 – 74 averages $148,000.
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  • Maximizing Your Windfall
    Maximizing Your Windfall

    With IPOs like Lyft valued at $20B, how do shareholders truly leverage their potential?

    by Mitch Sands

    The environment in which venture backed companies are going public today looks drastically different than in times past. When given a choice, there are many reasons why a company would choose to remain private and raise capital from the venture world, including to avoid the highly regulated environment that comes with becoming a publicly traded…
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  • Who’s Going To Own Your Assets After You?
    Who’s Going To Own Your Assets After You?

    It’s very difficult to administer your estate from the grave

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

    Consider the likelihood that 80% of your net worth passes on to the next generation, after estate taxes (reduced by the State and Federal exemptions, so may be zero) and income taxes on retirement accounts (State and Federal income taxes with no benefit of stepped-up basis). So, the largest asset in your estate (unless you…
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  • Financial Trust in a Post-Fiduciary World
    Financial Trust in a Post-Fiduciary World

    The value of transparency

    by Kyle Ryan, CFP

    As advisors, it’s our responsibility to help investors understand the benefits of putting their money to work in a smart, strategic way, and to work with them to put together a personalized plan that will help them achieve their financial goals - but we can’t do either of these things without first earning their trust.
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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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  • 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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  • 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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  • Inside The Conscience of Today’s New Investor
    Inside The Conscience of Today’s New Investor

    The growing interest in ESG investing means consumers are looking for more information on the topics that matter to them

    by Kelly LaVigne, JD

    Lately it seems everywhere we turn, we hear conversations, see media coverage, and read stories about what’s new with environmental, social and governance (ESG) investing.
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  • Prescription without Diagnosis is Malpractice
    Prescription without Diagnosis is Malpractice

    Risk management is all about diversification, not only in asset allocation, but also in asset location

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

    received this question the other day from one of our advisors (names changed to protect the clients, the advisor, and me). Abigail is working as a therapist, currently as a sole proprietor. I have the following questions regarding her practice:
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  • High Levels of Stress Impacting Financial Advisors and Investors Personally and Professionally
    High Levels of Stress Impacting Financial Advisors and Investors Personally and Professionally

    What’s really causing it...and what can be done?

    A new study released by the Financial Planning Association® (FPA®), Janus Henderson Investors and Investopedia reveals that 71% of financial advisors and 57% of investors are currently experiencing an increase in moderate to high levels of negative stress compared to 12 months prior.
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