LIFE&Health Advisor Archives
August 2010
- Out of chaos comes order
by Michael J. Vietri - Don't bet the house on the stock market
by Norman Ehrentreich - Long Term Care's great false start
by Terry L. Truesdell - The annuity market circa 2010
by Herbert K. Daroff, J.D., CFP - Taking stock in new annuity realities
by Douglas Dubitsky - Advisors hold treasure map to client's retirement success
by R.H. Carey - Guaranteed Universal Life for municipal bond investors
by Richard O Blaser, J.D., LLM, CLU, ChFC - Reform or no reform, health and productivity management just may save corporate America
by David Gittelman - Ultimate investment portfolio hedging strategy
by Steve Selengut - Page 3 Profile: Frank Keating by Carolyn S. Ellis
July 2010
- Protect business relationships with COLI-funded deferred comp
by Kurt Shallow - 'Interesting times' demand greater fiduciary support for retirement plan sponsors
by Jamie Ohl - 60 million 401k plans put at risk by Treasury
by Philip Davis - Misconceptions prevent small businesses
from offering big company benefits
by Tim Starkey - Behold! The Mortality Credit
by Jay DeVivo - Helping Advisors provide added value
by Art Brooks - Life insurance: the new asset class
by Michael Gordon - Reaching the growing and under-served Hispanic marketplace
by Steve Longley - Managed Closed End Funds: Solid income investments in a liquid form
by Steve Selengut - Page 3 Profile: Philip K. Polkinghorn by Carolyn S. Ellis
June 2010
- Social media's role in recruitment and sales
by Ed Mayuga - Creating vision, process for retirement management pros
by Stephen Mitchell - New Math: Keep clients current on changing Roth conversion calculus
by Mark Caner, MBA, AEP, ChFC, CLU, CFP - Using losses, credits and deductions to shelter Roth IRA conversions
by Douglas Ewing, JP, CFP - What you need to know about the Pension Protection Act and navigating the new LTC rules
by Tom Riekse, Jr., CEBS, ChFC - Don't let clients get blind-sided by unexpected LTC costs
by Malcolm Cheung - Skip CLASS, enroll in LTCi instead
by Jay Drucker - Stock market corrections...a beautiful thing
by Steve Selengut - Page 3 Profile: Moshe Milevsky by Carolyn S. Ellis
May 2010
- Hope you didn't sit out a perfectly good crisis!
by Herbert K. Daroff, J.D., CFP - Advisors and the Fiduciary Standard
by David Kleinhandler, CLU, ChFC, CASL - Producers rebuilding practices, reshaping careers
by Jim Reinhart - Altered retirement reality requires new options for income growth and protection
by Jamie Shepherdson - From big spender to big savers
by Neil McKay - Life insurance industry outlook 2010
by Doug French - Income planning redefined: RIIA envisions tomorrow's advisors
by David Macchia, RMA - Lessons learned from the Great Recession
by Michael J. Vietri
April 2010
- Buy and hold is dead...again!
by Kenneth R. Solow, CFP, CLU, ChFC - Success in the retirement plan market begins with solving problems
by E. Thomas Foster Jr. and Christine Chaia - Smart Sale: Executive bonus plans that fund Universal Life
by Glenn Plotkin - Collective Investment Trusts growing in popularity
by Ian Sheridan - New regulatory environment will bring changes for insurance M&As
by Earl Zimmerman - Signs of a new market paradigm for risk-proofed VA products
by Frank Zhang and Amit Ayer - There's big business in educating consumers on all things financial...or is there?
by Robert Kerzner, CLU, ChFC - Page 3 Profile: Susan Waring by Carolyn S. Ellis
March 2010
- The Indispensable Advisors
by Elvin D. Turner J.D., MBA
and Larry Cohen - Going Long: How longvity impacts the annuity market
by Herbert K. Daroff, J.D., CFP - Sec 151A update: Battle for EIAs intensifies
by Mike Janky - Everybody likes to buy, nobody likes to be sold
by Nathan Jamail - Can anyone really ignore LTCi anymore?
by Phyllis Shelton - New advisors take an old-school approach
by Michael Kalen, CLU, ChFC - Rebuilding trust: what do your clients really think of you?
by Doug Cottings - Don't miss out on the benefits of cross selling
by Justin M. Jurs - U.S. consumers changing from big spender to big saver
- Page 3 Profile: Gary C. Bhojwani by Carolyn S. Ellis
February 2010
- Making the case for LTCi
by Joseph Catalano - Retirement income uncertainity reaffirms advisors' vital role
by John Diehl - LTCI and the longevity challenge
by Nancy P. Morith, CLU, CASL - Americans lack realistic LTC plan
by Debra Newman, CLU, ChFC, LTCP - The pulse of America: What we think about life insurance
by Rich Brugger - How to keep your impaired risk cases moving forward
by Allan D. Gersten, CLU, CFP, ChFC - Timing is everything with SS benefits
by Paul Silva, CLU, ChFC - Page 3 Profile: Mike Fanning by Carolyn S. Ellis
January 2010
- Retirement Redefined
by Wright Edler - Behavioral Finance: The Logic of Emotions
by Joseph W. Jordan - Stand Alone Living Benefits emerge
by Tamiko Tolland - In Search of Safety: As Americans re-think their investment strategies, new annuity designs build in stronger guarantees
by Gary C. Bhojwani - Saving for retirement just got easier
by E. Thomas Foster Jr. - 'RMDs' and the '70½ Tax Trap'
by David G. Freitag, CLU, ChFC, CRPC - Jobs: Is Congress overlooking a crucial key to recovery?
by Steve Selengut - Page 3 Profile: Brian Heapps by Carolyn S. Ellis
December 2009
- What life producers can look for in 2010
by Kenneth A. Shapiro - It's 2010, do you know what your estate tax is?
by Herbert K. Daroff, J.D., CFP - Life Insurance: Back to the future
by Gregory E. Schwabe, FLMI - Life insurance as an asset class
by Adam Sherman - Leveraging costs: in-house or outsource
by Alan Protzel - Opportunities still strong for settlement options
by Paul Siegert - Working Capital Model provides pre-emptive portfolio protection strategy
by Steve Selengut - Page 3 Profile: E. Thomas Foster Jr. by Carolyn S. Ellis
November 2009
- Group Benefit Sales - Changing strategies with changing times
by Larry Blanchard - Employees turn to employers for LTCi education and perspective
by Henrik Larsen, MBA, CLTC - Things looking up for voluntary benefits
by Ron Fields - Healthcare costs rise, employees bear burden in down economy
- Roth Conversions 2010: A 'Once-in-a-Lifetime' Opportunity
by David G. Freitag, CLU, ChFC, CRPC - The Personal CFO: Fact-finding system puts clients in charge of their own portfolios
by James C. McClure, CLU, REBC - LTCi better understood, but myths persist
by Sandra Timmermann, Ed.D. - Page 3 Profile: Lori High by Carolyn S. Ellis
October 2009
- Today's Boomers: Firm ground has shifted
by Patrick Herndon - Annuities and the search for the new 'normal'
by Tom Buckingham - Variable Annuities: Still ideal for Boomer retirement income
by Terry Mullen - Time to retrain retirement savers
by Richard Barrington - Media, internet influence attitudes towards saving
by Robert A. DiNardo - "Sandwich Generation" Dilemma - Balancing retirement needs with caring for younger and older dependents
by C. James Johnson - Don't allow small business clients to overlook retirement planning
by E. Thomas Foster, Jr. - Financial strategies for families with special needs
by Lawrence J. Altman, CFP, CLU - How are you promoting yourself?
by Ed Mayuga - Real Estate Trusts are looking "UP"
by Richard Arzaga - Adam & Eve Revisited: Has Anything Changed?
by Linda Mooney Norri - Page 3 Profile: Walter H. Zultowski by Carolyn S. Ellis
- GLBA - 10 years later
by Jack Tatom - Worksite Wellness - New trends can improve the health of your bottom line
by Elizabeth Halkos - 6 opportunities for impaired risk sales
by Allan D. Gersten, CLU, CFP, ChFC - Help clients invest in themselves
by Barry James Dyke - Divorce Planning: When is a dollar not a dollar?
by Herbert K. Daroff, J.D., CFP - Benefits and blunders of Social Media Marketing
by Pam Lontos and Maurice Ramirez, Ph.D - Navigating new economic risks and rewards
by Jennifer Warren - Give your clients financial security
by Sheryle Ohme - Page 3 Profile: Mark W. Pfaff by Carolyn S. Ellis
- Turn accumulated assets into lifetime income
by Wright Edler - Health Care's Weight
by Jennifer Warren - 151A-The battle continues
by Mike Janky - The Fabled Wealth Transfer: Urban Legend or Reality?
by Steve McNaughton and Dennis Roberts - How's Your Portfolio?
by Steve Selengut - Things we can - and cannot - learn from squirrels
by Alisa Singer - Caring for the caregiver
by David A. Travland, Ph.D. and Rhonda Travland - Linked benefits: a two word strategy for protecting your client's future
by Scott L. Goldberg - Page 3 Profile: Tom Skiff by Carolyn S. Ellis
- Guiding small businesses through new economic reality
by Herbert K. Daroff, J.D., CFP - Community-based marketing positions agents well in uncertain times
by Susan Bumstead Chanley - Benefit offerings do matter to employees
by Marc Warrington - Voluntary benefits remain flexible to serve recessionary marketplace
by Barry Petruzzi - One size does not fit all - Customization essential in executive carve out coverage
by Dianna Duvall - Communication key to employee appreciation of benefits package
by Donna K. Owens - Beware the tax trap on a Non-Qualified 1035 Exchange
by David Olsen - Seeing whole life in a whole new light
by Richard T. Nolan - Page 3 Profile: J. Dean Garber
- Retirement security in the 21st Century
by Jennifer Warren - Prospecting in the High Net Worth Market
by Herbert K. Daroff, J.D., CFP - Prospecting: It's all about the process
by Alan Protzel - Bring 'Google' to prospecting
by Fred DeFilippo - Make the cross-selling technique successful
by Marlin Bollinger, CFP, CLU, ChFC, CFS - Education, information the path to trust and loyalty from successful women clients
by Jennifer Gugliotti, JD, LLM, CFP - Keep the family business running through the generations
by Gene Siciliano, CMC, CPA - Mistaken assumptions equal no referrals
by Bill Cates, CPS - Effects of financial crisis shake employers into action
- Page 3 Profile: Tammy de Leeuw
- Good News from bad: How will your clients re-focus on the future?
by Herbert K. Daroff, J.D., CFP - Roth conversions present opportunity
by Brandon Buckingham, J.D., LL.M. - Don't overlook women-owned businesses
by Shari Ciapka - Women want control of their financial futures
by Aimee Johnson - Increase 'value-added' to win and retain corporate clients
by Ian S. Gerrior and Deb Nelson - Actuary evaluates independent review process for long term care claims
by Claude Thau - Hedge Fund ETFs - Under the radar Wall Street con
by Steve Selengut - Legacy of 2008 market meltdown
by Kenneth Ambos - Page 3 Profile: Jennifer A. Borislow
- DI helps businesses, employees in tough economy
by John Roberts - Ideal pieces of a DI policy
by Vincent L. Gallo - Meaning Trumps Money - How do your clients see "the good life"
by Sandra Timmermann, Ed.D. - Financial triage for depleted nest eggs
by E. Thomas Foster, Jr., J.D. - LTCi Claims Issues: State legislators providing leadership
by Claude Thau - Insurance, accounting alliances aid clients and boost revenues
by Steven Ferrara - Profile: W. Thomas Spencer, Jr.
- Don't be misled by LTCi claims statistics
by Claude Thau - Retiring Boomers offer advisor's new opportunity
by Elvin Turner and Larry Cohen - Give retirees a raise
by John Rafferty - Retirement Income Laddering
by Jerry Golden - Retirement: what's the hold up? 54 percent will delay retirement; 40-somethings most impacted by economic crisis
by Herbert K. Daroff, J.D., CFP - Burgeoning settlements market broadens advisors' practice
by Kelli Conroy - Page 3 Profile: Jerry Vanderzanden
- Retirement Income Review: Bridge the gap between retirement income and expense
by George A. Bernet, CFP, CMFC, CRPC - Capitalize now on new savings trends: Position yourself as a resource to help your clients do a better job of what they now know they need to do
by Paul Silva, CLU, ChFC - The cost of long term care: The message behind the numbers
by Christopher Matz - Group LTCi demands 'needs based' marketing
by Allan Checkoway - Three step primer; 'one of a kind' benefit: LTCi and the small business market
by Raphael Paola - TCi's youth movement: Average age for LTCi purchase continues downward trend
by John Noble - Mortality estimates and the impact to life settlement brokers
by Lori Booker - UL in retirement planning: A story Boomers need to hear
by William Simkins - Page 3 Profile: Eric Marhoun
- A History of Bear-Cessions: This isn't the first financial 'perfect storm'
by Leon LaBrecque, JD, CPA, CFP - Successful retirement planning depends on asset "location"
by Herbert K. Daroff, J.D., CFP - Capitalist Social Security? It's our money... let's keep it that way
by Steve Selengut - Post retirement allocation : Three buckets are better than one
by Howard Hook, CFP, CPA - Universal life for income layering in retirement
by Steve Hamilton, JD, CLU, ChFC - Today's LTCi: Protecting income against health care costs
by Kyle Metcalf - Market trends drive product innovation
by Matthew DeSantos, JD - Women at greater risk in retirement than men
- Page 3 Profile: Tom Buckingham
