Life Planning & LTC

Sponsored by

• 

  SEC, FINRA, State Exam Execs Lay Out Priorities

  By Melanie Waddell, AdvisorOne  |  June 17, 2013

  Priorities include conflicts of interest, email retention, cybersecurity and some specific products, the executives said at the IRI legal and regulatory conference.

• 

  HSAs: A Powerful Tool for Covering Clients’ Higher Health Care Costs Under ACA

  By Robert Bloink, Esq., LL.M., William H. Byrnes, JD, LL.M.  |  June 11, 2013

  The looming deadlines for implementing many key Affordable Care Act (Obamacare) provisions have many of your clients wondering how they can cushion the impact of the rising premium costs they fear will accompany them. HSAs may be the way to go.

• 

  Your Clients and Their Children: The Problems With Joint Bank Accounts

  By Andrew Rice, Money Management Services  |  June 11, 2013

  Some of your older clients might want to make their bank accounts into joint accounts with their children. Understandable, but perhaps not wise.

• 

  Millionaires’ Biggest Financial Regret

  By John Sullivan, AdvisorOne  |  June 7, 2013

  In a survey of millionaires' top money regrets, the one that overwhelmingly prevails leaves a huge opening for advisors.

• 

  Injecting Some ‘Forethought’ Into VA Space

  By John Sullivan, AdvisorOne  |  June 5, 2013

  Firms are entering the variable annuity space with new product issues—are they crazy? Like a fox, some would say.

• 

  Top 10 Biggest 529 College Savings Plans: 2013

  By Michael S. Fischer  |  June 5, 2013

  Here are the 10 biggest 529 college savings plans by AUM, asset growth and market share, as compiled by the Financial Research Corp.

• 

  In Medicaid Planning, Don’t Surrender Life Insurance—Trade It for LTC Instead

  By Robert Bloink, Esq., LL.M., William H. Byrnes, Esq.  |  June 3, 2013

  Your clients who are nearing retirement age might often wonder why they bother maintaining the life insurance policies they’ve funded for years. But under some recent state proposals, owning a life insurance policy can actually help clients in LTC planning.

• 

  GOP Senators Push Bill to Expand Access to HSAs, FSAs

  By Melanie Waddell, AdvisorOne  |  May 28, 2013

  Sens. Orrin Hatch and Marco Rubio have introduced legislation to expand and strengthen health savings accounts and flexible spending accounts.

• 

  Prenups Mean Nothing When Long-Term Care Is Needed

  By Romeo Raabe, LUTC, LTCP  |  May 21, 2013

  If a client is considering a later-in-life marriage, understand that prenuptial agreements can’t "hide" assets when it comes to a spouse’s need for LTC.

• 

  Half of Consumers Can Afford to Live to 75: Northwestern Mutual

  By Danielle Andrus, AdvisorOne  |  May 14, 2013

  Findings released from Northwestern Mutual’s 2013 Planning and Progress study show 56% of respondents said they felt financially prepared to live to age 75.