- When Clients Ask: Where Will My Retirement Income Come From?
A working rule of thumb: Savings should generate about 45% of an investor's preretirement, pretax income
How much of retirement income needs to come from savings? Have you ever found yourself lost when visiting a new place? Then you know how hard it can be to find something when you don’t know where you are going
read more - Getting a Marketing Edge – With Cash Back
For submission to The Advisor (Life & Health Advisor) D2 Jan 19, 2018
Gene Leiberman
New technology. Decreasing commissions. Increasing costs. All combine to make growth and sustainability for agents and brokers tougher than ever before.
read more - GOP Advances ‘American Health Care Act’ as ACA ‘Replacement’
Subsidies replaced with tax credits; Medicaid expanded; Mandates removed; Planned Parenthood defunded
by PE Kelley
Republican lawmakers unveiled their plan to replace the Affordable Care Act, Obamacare, Monday, finally making good on a seven year promise to provide an alternative. Enter The American Healthcare Act.
read more - First Takes on U.S. Election Results and Impact on Financial Services Industry
Global Research firm Aite Group offers a Comprehensive Response
Boston, November 9, 2016 - In the wake of last night’s U.S. election outcome, Aite Group analysts consider what the Trump presidency will likely mean for the financial services industry.
read more - The Keys To Building Strong Relationships
Manage expectations and choose the right communication approach
by Kevin G. Hill ChFC®, CLTC, AIF®
We have all been taught that communication is fundamental for a strong, successful relationship. As simple as this concept may initially seem, relationships can quickly become tested due to differing expectations and communication styles
read more - Glory Days
Athletic performance under pressure, a winning attitude and keeping an eye on the goal are traits that carry well into your career
by Gregory J. McLaughlin, MS, CFP®
Does having the opportunity to reflect on a game winning shot, goal, homerun or touchdown make you more likely to succeed in your financial life?
read more - Why Aren’t You Targeting Foreign National Prospects?
... and leveraging an inexhaustible pipeline of clients with 'need, urgency & means'
by Allan D. Gersten, CLU, ChFC, CFP
Everyone in the life insurance business knows there are attractive opportunities in the Foreign Nationals market. But it isn’t just the size of this market, which continues to grow, that makes it so attractive... its prospects have what every advisors dreams about: need, urgency, and means.
read more - Population Health Management: Essential for Helping Clients Control Healthcare Costs
A new, key strategy for lowering the total cost of health care
by Michael Jordan
Implementing an effective care management program offers employers the best solution to rein in healthcare costs.
read more - How Employers are Responding to ACA Challenges
And how advisors are stepping up and guiding their clients through an entirely new benefits challenge
by Gene Lanzoni
Requirements of the Affordable Care Act (ACA) continue to have significant effects on employers as they work to fund and deliver employee benefits programs that balance the needs of their businesses and their workforces.
read more - Octogenarians Define a Successful Retirement
For retirees 80+ more than half were not expecting to live as long as they have
We have all heard the saying, “listen to your elders.” In this case, we hope younger generations listen closely to what octogenarians report about how they planned for retirement and how this planning worked for them once they got there.
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