Issues & Innovations

  • The Institute Of Financial Wellness: America’s First Multi-Media Financial Education Network
    The Institute Of Financial Wellness: America’s First Multi-Media Financial Education Network

    As more Americans seek financial help, a team of industry leaders is introducing a first-of-a-kind solution: unbiased financial education, resources, and services all Americans can use and enjoy

    At a time when public awareness and the need for a solid financial position have reached all-time highs, a nationally noted team is introducing a new platform to provide what's been missing: unbiased, engaging, fact-based financial education, resources, and services for every American. The Institute of Financial Wellness is the first multi-media platform providing free…
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  • Impact Of Inflation
    Impact Of Inflation

    21% say inflation has had a significant impact on their day-to-day finances

    As Americans head into the holiday season, they are met with an inflation rate of 6.2%, up five percentage points from one year ago. Ramsey Solutions’ Q3 State of Personal Finance study reveals that one in five Americans’ day-to-day finances are being significantly impacted by inflation; however, 25% of Americans are planning to spend more…
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  • Ransomeware Readiness & Recovery
    Ransomeware Readiness & Recovery

    8 Do’s and Don’t’s

    by Bryce Austin

    Stopping ransomware includes three key areas: Cybersecurity hygiene of your employees, proper practices by your IT department, and your data backup strategy. Here are 8 ways to prevent a ransomware attack, and 8 ways to recover from an attack if you fall victim to one:
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  • A Hybrid Approach To Building A Startup
    A Hybrid Approach To Building A Startup

    The most successful startups mix business and friendship to build teams

    Finding the right team is critical for a startup's success and most aren't taking the right approach, finds research from the University of Maryland's Robert H. Smith School of Business. With the right strategy – a mix that has founders both liking each other due to shared values and experiences and having the proper complementary…
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  • The Importance Of Shopping Small
    The Importance Of Shopping Small

    Communities turn out in earnest and in droves to support the small businesses they cherish

    As consumer spending continues to rebound, U.S. shoppers showed up in a big way for the small businesses in their communities during this year’s Small Business Saturday on November 27, positioning American Express’ (NYSE: AXP) 12th annual event to be one of the most impactful shopping days of the holiday season.
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  • Tax-Loss Harvesting Using ETFs
    Tax-Loss Harvesting Using ETFs

    A strategy to balance investment losses

    No investor wants to have losses, yet even the most successful investors can have a mix of potential winners and losers. Even though 2021 has been a good year for most investors, with the S&P 500 up 34% year to date, that doesn't mean that all investments have gone up. As the year draws to…
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  • Financial Health Means More Than Money
    Financial Health Means More Than Money

    Research reveals critical inequalities in terms of how different groups view their financial wellness, it also identifies a clear opportunity for employers to step in and create meaningful change

    Three-quarters of Americans surveyed say their financial health affects their physical and mental health, and more than half say it’s connected with overall happiness and quality of life.
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  • What Will The Future Of Work Look Like?
    What Will The Future Of Work Look Like?

    IDC FutureScape provides their top 10 predictions

    The Future of Work predictions from International Data Corporation (IDC) signal an enduring adoption of hybrid work models by a majority of G2000 organizations, supported by broad adoption of automation and artificial intelligence and machine learning (AI/ML) technologies.
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  • The Heartbeat Of U.S. Economy
    The Heartbeat Of U.S. Economy

    Small and midsized businesses seeking an all-in-one financial operations solution (NYSE:BILL), a leading provider of cloud-based software that simplifies, digitizes, and automates back-office financial processes for small and midsized businesses (SMBs), released a new survey today that found that a vast majority (80%) of SMBs feel that what they are doing today to manage their financial operations does not meet their needs. A significant…
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  • Shaping The Retirement Landscape
    Shaping The Retirement Landscape

    Closing a widening retirement savings gap, improving financial wellness, and adjusting to lower return expectations

    T. Rowe Price held its inaugural U.S. Retirement Market Outlook press briefing yesterday, offering research-based insights on major themes expected to shape the retirement landscape in 2022. Amid recent significant global events like the pandemic and its impact on the market, a select group of the firm's experts shared their perspectives on key topics, including…
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  • Addressing Uncertainty Surrounding ESG
    Addressing Uncertainty Surrounding ESG

    AM Best issues FAQ on ESG and insurance credit ratings, announces inclusion of ESG section in Best’s Credit Reports

    Recognizing the uncertainty surrounding what environmental, social, and governance (ESG) entails, and what actions or disclosures are expected from insurance and reinsurance companies, AM Best has released a new commentary addressing frequently asked questions about ESG considerations for financial strength and application of ESG within the rating process.
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  • Financial Confidence Among Americans Remains Nearly Flat From The Beginning Of 2021 
    Financial Confidence Among Americans Remains Nearly Flat From The Beginning Of 2021 

    More than a third of women are spending less this holiday season

    With the biggest consumer holidays of the year only weeks away, the BMO Real Financial Progress Index revealed that more than a third of American women plan to spend less this holiday season than in recent years, driven by less savings and a decline in financial confidence and security among women. These findings are from…
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  • Cybercriminals Don’t Discriminate By Age
    Cybercriminals Don’t Discriminate By Age

    Grandparents targeted by ransomware, young adults by TikTok scams

    New research from Avast (LSE: AVST), a global leader in digital security and privacy, today revealed that older and younger generations are being targeted by different online threats based on the primary device that they use to go online.
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