Life

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Debt Stands in the Way of Americans Saving for Retirement

            Americans want to save more money for retirement, but the biggest obstacle they face is the debt they have amassed – six-in-ten workers say non-mortgage debt is making it harder to save for retirement. Those are the findings of a new LIMRA Secure Retirement Institute survey that found the top […]

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3 Social Media Tips for Advisors: Consistent, Likeable And Valuable

From Josh Brown, the Reformed Broker and Ritholtz Wealth, at the T3 Conference as reported by Think Advisor: 1) Consistent message. For Ritholtz Wealth, that’s its focus on “evidence-based investing and taking care of our clients.” In addition to attracting clients, that consistent online messaging is also a client retention tool, Brown said. “Our clients […]

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Rebalancing Life Insurance: The New Strategy to Keep Clients Prepared

When you ask most clients what they think of when you mention rebalancing, you generally get answers around keeping their portfolios neatly divided between stocks and bonds to maintain the right asset allocation and reduce their risk. But, in the era of the 401k generation and the DIY retirement plan, there’s another, often overlooked asset […]

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Five Considerations When Considering Caregiving

Close to 45 million Americans provide 38 billion hours of unpaid, “informal” care each year for older family members and friends living with chronic conditions that inhibit them from handling daily activities such as bathing, managing medications or preparing meals on their own. Here are five areas to think about if you are considering a […]

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Four Things to Do Before Deciding on Long-Term Care

https://www.newsmax.com/finance/personal-finance/long-term-care-know/2017/12/14/id/831859/ Today is a good time for those who haven’t yet reached retirement age to begin considering some key factors related to health scenarios they might face later in life. “The bottom line is none of us knows ahead of time what our health will be in our 60s and beyond,” Chris Orestis, Executive Vice […]

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Solving Your Biggest Client Issue May Be at Your Fingertips

When the American Funds’ Capital Group  asked 400 advisors last year to name the biggest issues they face in their businesses, it wasn’t the DOL, market uncertainty or the economy that sat in the center of the idea cloud of answers. It was client issues. At a time when regulatory concerns and market turbulence would […]

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The Top 8 Money Mistakes You Have to Avoid

Financial wellness benefits provider Edukate’s top eight money mistakes to avoid: 1. Not having an emergency fund Set up an automatic withdrawal every paycheck to start building up your emergency fund. 2. Not maxing out your retirement plans Once your debts are cleared and your emergency fund is full, what’s next? There’s no arguing the […]

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The One Missed Step That Will Undo All Your Retirement Plans

Creating a will and an estate plan are critical steps to planning for retirement, but missing one important step could undo all the work you’ve done: making sure your survivors know where the documents are. The Wall Street Journal wrote about this issue with columnist Glenn Ruffenach writing about a close relative who asked him to […]

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Houlihan Lokey Bullish on Life Insurance Secondary Market

A recent publication from the investment bank Houlihan Lokey highlights growing interest among institutional investors in the life insurance secondary market: The Evolution of an Asset Class. As Houlihan Lokey puts it: “What was once an obscure and somewhat unconventional investment thesis has matured into a robust alternative asset class,” the company wrote in a white paper on […]

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Life Policyowners May Not Be Aware Of The Asset They Own

By Chris Orestis In observance of Life Insurance Awareness Month, it is important for policyowners to be aware of the life insurance asset that they own. Life insurance policies are one of the most misunderstood and undervalued assets a person will ever own. And make no mistake, a life insurance policy is legally recognized as […]

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