Blogs

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  Caution: Clients Who Volunteer Unknowingly Put Assets at Risk

  By Jim Hageman, ACE Private Risk Services  |  June 18, 2013

  Umbrella and charitable directors and officers’ insurance can provide affordable protection for boomers who want to give back to the community, but also want to protect themselves and their assets.

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  Top 5 Trends Altering Annuities: 2013

  By Christopher Raham and Gerry Murtagh, Ernst & Young Insurance Advisory Services  |  June 11, 2013

  Six months into 2013, several trends have emerged that are making insurers reposition and reinvent their products, strategies and services.

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  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.

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  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.

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  The Successful Retirement Plan Advisor: Separating Fear From Risk

  By Liz Davidson, Financial Finesse  |  June 10, 2013

  Barbara Delaney of StoneStreet Equity has made a career out of taking risks at the right time by being both reactive and proactive.

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  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.

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  How to Give Clients Peace of Mind This Summer

  By Ric Lager  |  June 2, 2013

  Get ready to explain a principal preservation strategy for retirement plans if the summer stock market doldrums return.

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  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.

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  More Clients Will Be Hit With Higher Medicare Costs Under Obamacare

  By Robert Bloink, Esq., LL.M., William H. Byrnes, JD, LL.M.  |  May 13, 2013

  Under Obamacare, income-based Medicare premiums for both HNW and lower-net-worth clients clients may sharply rise. Here are your options.

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  How to Take the ‘Gamble’ Out of Retirement Planning

  By Ronald Delegge, ETFguide.com  |  May 6, 2013

  The financial services industry has plenty of reasons to look at 12(b)-1 fees—especially when it comes to the need for client-friendly arrangements.