Exemptions Provide Key to Unlocking DOL Fiduciary Rules
Understanding the exemptions to the proposed DOL fiduciary rules can be as important to the advisor’s practice as the rules themselves.
Combination Annuity-LTC Sales Soar
A new superstar long-term care product has emerged: annuity-LTC contracts that combine a tax-preferred retirement income with appealing LTC features.
Toward a Workable Fiduciary Standard for Brokers: The 7 Questions
To tell if brokers are really acting like fiduciaries, ask these seven questions about a client's portfolio to check for possible broker abuses.
Using Fixed Indexed Annuities for Retirement Income
As the search for retirement income alternatives continues, FIAs with new fixed-income features look attractive.
What Do Gundlach and Goldman Really Think of Advisors?
A conversation between two asset managers, Jeffrey Gundlach and Goldman's Kent Clark, had some revealing takeaways for advisors listening closely enough.
To Maximize the Value of IRAs, Take Action When Client Is 69
IRA owners will say the year in which you turn 70 ½ is most critical, but it's the prior year when clients can reduce RMDs.
Is Your Client a ‘How’ or a ‘Why’?
Advisors encounter a broad spectrum of personalities, but I've found that most clients fit into one of two categories: the “hows” and the “whys.”
Is the DOL’s New Proposal Really a New Broker Standard?
As I make my way through the DOL’s proposed rule changes for brokers, the sentence that keeps running through my mind is: “We’ve been had.”
The Cadillac of Taxes: Not Just for Luxury Health Savings Vehicles
The types of benefits that will be subject to the Affordable Care Act’s “Cadillac tax” may be surprising.
Avoid an Income-Based Chain Reaction to Reduced Social Security Benefits
A reduction in Social Security checks can cause major planning issues for retired clients, so watch out for Medicare’s two-year lookback.