How Heritage Financial Uses Withdrawal Rates and Alts for HNW Clients
Everyone has budgetary issues, regardless of net worth, says Heritage’s Charles Bean. “We’re managing clients’ cash flow and spending habits regardless of portfolio size.”
What Advisors Need to Know About the New Reverse Mortgage Rules
Get ready to field more questions about the pros and cons of reverse mortgages — and how to use them as an estate planning tool.
Preparing Your Clients for the Digital Afterlife
Estate planners have started to see more clients’ digital assets outlive them, and they’re now tasked with helping families manage that digital legacy.
4 Financial Planning Profiles That Determine Consumers’ Future Success
In something of a surprise, new research by the CFP Board and the Consumer Federation of America says about nine in 10 households are engaged in financial planning.
New Features Prompt Reassessment of Whole Life Insurance
Insurance carriers have taken steps to bring whole life products back to relevance in today’s competitive environment.
You Can Live Abroad, but You Can’t Shake U.S. Taxes
If you’ve got clients who are U.S. citizens but are living outside the country, they’re still liable for income, gift and estate taxes.
Who Gets the Beach House? A How-To for Advisors on Helping a Family Decide
When Merrill's Stacy Allred sat down to help a family preserve their beach house, she quickly found herself facing a challenge that has affected many families.
Born Out of the U.S.A.? Welcome to the Federal Gift and Estate Tax
Ignorance of U.S. gift and estate tax rules can be detrimental to a foreign person’s financial health. Part one of a series on multinational planning issues for advisors and their clients.
Spouses Who Plan Together Are Best Prepared to Retire: Behavioral Study
New behavioral research predicts that discussion between pre-retirement spouses can lead to more success and less stress when they leave the work force.
Hybrid Firms: What Are You Getting for Your Pay Cut?
"We’re willing to be in the trenches with our advisors," says Stratos CEO Jeffrey Concepcion, who recently helped an advisor win a $35 million account ...