Obamacare's Cadillac Tax Will Not Survive
Due to its unpopular nature, the Obama administration is now floating a plan to scale back the tax in high-cost areas.
Due to LTCI's Cost and Need, Short-Term Care Insurance Takes Off
Half of all long-term care coverage is for less than one year’s worth of care. Enter short-term care insurance.
How to Protect Clients’ 401(k)s in Messy Markets
You can navigate the current stock selloff to expand your household AUM to include 401(k) plan assets within self-directed brokerage windows, Ric Lager says.
Common Investment Goals
Here are some common goals that investors have.
Surprise! Investors Often Don’t Know What Their Goals Are
Behavioral science can explain why it's surprisingly difficult for clients to accurately tell you their goals, but it can also provide ways to help.
Deferred Income Annuities Can Double Payouts Later in Life
Using the no-refund variety of DIAs provides extra income but also has potential downsides.
With File-and-Suspend Dead, Maximizing Social Security Benefits
Start with the SSA’s own benefit calculator — and check clients' earnings history — before determining who should file and when, Bloink and Byrnes write.
DOL Fiduciary Rule Heading to OMB as Obama Gives Final State of the Union
An expedited OMB review of DOL's rule could put it out before April. Legal challenges are already being prepared.
Having It All? Combining Whole Life With Indexed Universal Life
Insurance carriers are adding an indexing feature via paid-up additions (PUAs) to their whole life insurance offerings.
Investment-Only Variable Annuities, Pt. 2: The Importance of Due Diligence
With a better idea as to when--and which--clients might benefit from IOVAs, it's time to review the necessary due diligence on these annuities.