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kstartt
Is your income bucket plan an inflation trap?
Article posted by Kevin Startt
In the financial services industry we have been polarized between annuity advocates and the brokerage industry that has been trying for a decade or so to make indexed annuities a securities product. Thanks to the new ninth wonder of the world, back-casted compounding — I am slowly moving towards the camp of making this popular product a security.
Chris Orestis
LTC for employees' loved ones is costing businesses $74 billion annually
Article posted by Chris Orestis
According to the U.S. Bureau of Labor Statistics, businesses lose an average of 2.8 million work days each year due to unplanned absences, costing employers nearly $74 billion. In fact, the impact on employment is so significant that 11 percent of workers will take a leave of absence and 10 percent ultimately will quit their jobs.
AskLLOYD!
Does this EBRI report predict future problems for retirees?
Article posted by Lloyd Lofton
There is a lot of interesting data in the Employee Benefit Research Institute research report, yet what may be the most interesting data is that data about IRA ownership, contribution and account balances. Talk to your clients today to make sure an income gap will not create a retirement crisis for the widow in the home because it was either overlooked or not planned for when it mattered the most.
David Lewis
Dave Ramsey deserves everything Brian Stoffel gave him — and then some
Article posted by David Lewis
Last year, the financial giant Dave Ramsey was bested on his own show. But maybe this is all one huge misunderstanding. Could Ramsey simply have been mistaken about his math? We all make mistakes, after all. Nope. Not at all.
Tye Elliott
Open enrollment: Early engagement with clients is the key to an effective open enrollment season
Article posted by Tye Elliott
Even though the open enrollment period is months away, savvy decision-makers should start strategically thinking about health care benefits and how they can affect the business. By having the conversation now, advisors can help clients understand the changing health care landscape and assess the needs of their workforce to offer the best health plans to employees.
Jason Kestler
Income riders: Don’t be blinded by the shiny object
Article posted by Jason Kestler
We are all drawn to shiny objects in one way or another. They take many forms: a new car, a big diamond, that killer pair of shoes. In today’s annuity market, income riders are riddled with shiny objects. Let's explore them in detail.
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jberson
Why Ken "I hate annuities" Fisher has a problem
Article posted by Jeffrey Berson
We have all seen it. The big advertisement from Fisher Investments: "I hate annuities, and you should too!" Ken Fisher is making a splash with this, but as is typical with this kind of promo, his "special report" is one-sided, very poorly researched and limited in scope.
Amy McIlwain
How advisor Brittney Castro used social media to successfully connect with women
Article posted by Amy McIlwain
I recently had the chance to sit down with Brittney Castro in Los Angeles to talk social media and digital marketing. Brittney is a certified financial planner and the CEO of Financially Wise Women. She has been incredibly successful using social media as a marketing tool, despite the restrictions and limitations that the financial services industry brings. Check out our interview below.
Maggie Crowley
Top 3 excuses for not using a website to market your firm
Article posted by Maggie Crowley
Consider the impact a great online presence can have on your business. If your business is doing well without a website, think about how even better it could be with a website.
Julius Giarmarco
ING, DING and NING trusts
Article posted by Julius Giarmarco
An ING trust is short for “incomplete non-grantor trust”; a NING trust is short for “Nevada incomplete non-grantor trust”, and a DING trust is short for “Delaware incomplete non-grantor trust.” These are trusts where a grantor residing in a high-income tax state transfers income-generating or appreciating assets to an irrevocable non-grantor trust in a state that will not subject the trust’s income and capital gains to state income taxes (like Nevada and Delaware). In the typical ING, the grantor is a beneficiary of the trust.
Bill Coffin
​A letter from the editor on Hobby Lobby
Article posted by Bill Coffin
Hi, everyone. Bill Coffin here. I am the Group Editorial Director of Summit’s insurance media, which includes both editions of National Underwriter, Claims, and Retirement Advisor. I also oversee our digital efforts, which are the core of our business, and which include LifeHealthPro, PropertyCasualty360 and ProducersWEB.
Wayne Cotton CLU
Is the fear of missing out preventing your success?
Article posted by Wayne Cotton CLU
The fear of missing out (FOMO) is a recurring condition that kills the productivity of many people in our business. You have to watch carefully for the symptoms of FOMO and take action right away when you notice it creeping up.
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