Life Planning & LTC

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  Boomers Underestimate LTC Cost, Life Expectancy

  By Danielle Andrus, AdvisorOne  |  June 18, 2013

  The cost of future long-term care for boomers could be more than three times what they're expecting, a consumer survey by Nationwide Financial found.

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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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  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.

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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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  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.

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  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.

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  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.

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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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  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.