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    • Advisor News

      5-minute Finance: Earning Unsolicited Referrals

    • Advisor News

      HSAs Are A Triple Tax Break That Can Help Fast Track Retirement Savings

    • Advisor News

      The 7 Most Common Social Security Mistakes

    • Advisor News

      Robert “RJ” Moore Steps Down As CEO Of Cetera, Due To Health Reasons

    S&P 500 Win Streak Comes To An End

    4 hours ago 0 comments

    NEW YORK- Health care and energy companies led U.S. stocks lower Thursday, ending a three-day winning streak for the S&P 500 and giving the benchmark index only its fourth loss this month. The modest sell-off came as investors weighed mixed economic data and earnings reports while keeping an eye on Washington, where U.S. and Chinese negotiators resumed talks...

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    February 21, 2019
    Many Americans trust and want to work with financial advisors on their retirement plan.

    MDRT Study Finds Consumers Want Advisors Over Tech

    A new study examining what consumers think of technology in financial services finds the majority of Americans (88 percent) want technology to complement, not replace, the assistance of a human financial advisor.

    Stocks Waver Between Gains And Losses In Afternoon Trading

    February 20, 2019

    U.S. stock indexes edged higher in early trading Wednesday, extending modest gains from a day earlier, as investors reviewed the latest batch of company earnings reports. Gains in consumer goods, technology and communications companies outweighed losses in health care and financial stocks. Garmin rose after reporting better sales. CVS Health slumped after the pharmacy operator gave a 2019 outlook that fell short of Wall Street’s expectations.

    February 20, 2019
    Annuity sales are booming, LIMRA reports.

    Annuity Sales Spiked 14 Percent In 2018, No Slowdown In Sight

    Total 2018 annuity sales increased 14 percent to $232.1 billion, compared with 2017 results, according to LIMRA. Rising interest rates and the elimination of the Department of Labor fiduciary rule are seen as factor boosting annuity sales, which are the best LIMRA has seen since it began tracking sales.

    Debt Weighs Heavily On Millennials

    February 20, 2019

    Managing debt is the No. 2 financial concern of Millennials with investable assets of $100,000 or more, cited by 31%, according to the Advisor Authority Study commissioned by Nationwide Advisory Solutions. By comparison, managing debt is rated fourth by Gen Xers and does not break the top five for Baby Boomers or Matures. In fact, Millennials may be grappling with…

    IRI Urges NAIC To Proceed Cooperatively With SEC On Suitability

    February 20, 2019

    The Insured Retirement Institute issued the following news release:. -Continued Coordination with SEC “Essential to Achieving Regulatory Consistency”. The Insured Retirement Institute filed comments today on a crucial state regulatory model affecting annuity transactions.

    FIAs Could Overtake VAs By 2021

    February 19, 2019

    Cerulli research finds fixed indexed annuities are expected to rise to the top of the leaderboard over the next few years. What’s behind the prediction?

    Student Loan Debt Spreading Across Age Spectrum

    February 19, 2019

    A growing number of professional publications aimed at financial advisors plus consumer and news mediums are spotlighting the growing problem of student loan debt. Match those up with increased concern over the potential for robotics and artificial intelligence to disrupt careers and job prospects, and an obvious challenge emerges regarding education…

    Companies Are Also Flunking Retirement Planning

    February 18, 2019

    Plenty has been written about American workers’ failure to plan adequately for retirement. Only 1 in 10 large employers offers a formal phased-retirement program that lets workers cut back their hours or responsibilities before they quit work entirely, according to the 2018 Longer Working Careers Survey by professional services consultant Willis Towers…

    Rewirement Tips: Longterm Care

    February 18, 2019

    In video 2 of the Rewirement series, Jamie Hopkins, Director of Retirement Research at the Carson Group discusses Long-term care and how advisors can help clients plan for it.

    February 18, 2019

    Recruiting For Growth, Not Just To Fill A Job

    Bringing in the right candidates is often the most important step a business takes to grow.

    Financial Advisor Sentenced To 28 Months In Prison For Misappropriating Funds From NFL Players

    February 18, 2019

    The U.S. Attorney for the Middle District of North Carolina, Matthew G. T. Martin, issued the following news release:. A Florida financial advisor who provided financial services to professional athletes was sentenced to prison today for conspiring to commit wire fraud and money laundering, announced Matthew G.T. Martin, U.S. Attorney for the Middle District of…

    The Heat Is On: Fidelity, Schwab Expand Commission-Free ETF Lineup

    February 15, 2019

    The low-cost race is set to escalate further as Charles Schwab and Fidelity Investments both announced plans to expand their commission-free ETF lineup.

    Active Vs. Passive: The Case & Place For Both

    February 15, 2019

    Under certain market conditions, and when it comes to particular asset classes, one method tends to outperform the other. Here’s a look at why and what it means to the average investor.

    February 15, 2019
    This week's 5-minute finance discusses branding and social media.

    5-Minute Finance: Personal Branding With Social Media

    Each week MDRT and AdvisorNews bring readers advice on topics encompassing the financial services industry including case studies, practice management, tips for success and much more.

    Rewirement Tips: Welcome To Rewirement

    February 14, 2019

    Jamie Hopkins, Director of Retirement Research at the Carson Group introduces his newest video series Rewirement Tips exclusively found on AdvisorNews.com

    February 14, 2019
    Advisors are getting creative to get clients with lower AUMs through the door.

    Fees Are Not Just About AUM Anymore As Advisors Get Creative

    AUM isn’t about to disappear, but it is giving way to alternative models tailored to younger investors with lower asset levels.

    Financial Gifts For Valentines Of All Ages

    February 14, 2019

    This year, consider going beyond the flowers and chocolates and think about providing financial-related gifts to your loved ones of all generations. Here are some gift possibilities to consider:. So, why not use Valentine’s Day as an opportunity to review your disability and life insurance?

    Americans’ Confidence In Their Finances Keeps Growing

    February 13, 2019

    Americans’ optimism about their personal finances has climbed to levels not seen in more than 16 years, with 69% now saying they expect to be financially better off “at this time next year.”

    National Debt Surpasses $22T For First Time In U.S. History

    February 13, 2019

    The gross national debt surpassed $22 trillion for the first time in U.S. history, according to data released by the Treasury Department on Tuesday. National debt stood at $21.974 trillion as of Dec. 31, representing an increase one year after President Donald Trump signed a tax reform bill in which a lower corporate tax rate lowered Treasury revenues.

    February 13, 2019

    The Way We’ve Always Done It Won’t Work With Millennials

    Clients’ needs have evolved greatly over the past 20 years, and those who evolve with them will earn their business.

    February 12, 2019

    Jackson National Inks Deal To Distribute Annuities To RIAs

    DPL Financial Partners and Jackson National Life Insurance Company have an new agreement to bring the carrier’s advisory annuity products to fee-only advisors. The deal represents Jackson’s first distribution partnership targeting the independent RIA channel.

    V-Day Money Tips: Don’t Let Love Fracture Over Finances

    February 12, 2019

    Valentine’s Day remains a very popular time for marriage proposals, but have you created a financial plan for your possible new life together? “It is so important that couples planning marriage reach an agreement about how they intend to merge their finances,” said Dan Fan, senior vice president and director of wealth planning at First Bank.

    Goverment Shutdown News Lifts Stock Futures; Dow Jones Index Holds 25,000

    February 12, 2019

    Video game and chipmakers led stock futures higher Tuesday, as lawmakers hustled to avoid a government shutdown and the Dow Jones index held at 25,000.

    February 12, 2019

    Dow Futures Higher On Trade Optimism

    Check out of this hotel stock before earnings, says signal. Why Kellogg stock is crying over even more spilled milk. Analyst: Ditch this restaurant stock now. Plus, Tim Hortons parent reports earnings; and analysts weigh in on Tesla and Avis Budget.

    No Children? Why Your Client Still Needs An Estate Plan

    February 11, 2019

    Someone has to inherit your assets, and if you don’t decide, state laws will do it for you. That means your awful Great Uncle Ed may inherit, while your beloved cousin Mary may get nothing. That’s only one reason to get busy.

    Retirement Planning Is Different For Women

    February 11, 2019

    With a longer lifespan and often less time building a nest egg, the stakes for women are higher in retirement, but these challenges don’t have to sideline your planning.

    Long-Term Care Planning Requires More Than An Insurance Review

    February 11, 2019

    Strategies can be mixed together. A long-term care plan should never be an all or nothing plan – it should be collaborative and coordinated with the overall retirement income plan.

    HNW Clients Aren’t Immune To Student Loan Debt

    February 8, 2019

    This $1.5 trillion dilemma doesn’t discriminate.

    Voices: Vanguard Defends The Value Of Actively Managed Bond Funds

    February 8, 2019

    Fresh doubts about whether star managers can deliver consistently superior returns have been raised following Bill Gross’ retirement.

    February 8, 2019
    The Rolling Stones are touring again, with sponsorship from an unusual source.

    Start Me Up: Annuity Group To Sponsor Rolling Stones’ Tour

    The annuity focused Alliance for Lifetime Income has signed on as the sole sponsor of The Rolling Stones’ 2019 “No…

    Creating An Ownership Culture In The Workplace

    February 8, 2019

    If you can encourage the unique passions, goals and skills of each individual in your company, you can create a work place that is just as dynamic as its people. One of the ways I’ve found to best grow and encourage my employees is by instituting a culture of ownership.

    Experts Push Ways And Means Committee For Retirement Reforms.

    February 7, 2019

    The Ways and Means Committee of the U.S. House of Representatives heard open testimony Wednesday morning from a stable of retirement and financial experts, with the stated goal of promoting solutions to American workers&# x2019; significant projected retirement savings shortfall. Speakers included Diane Oakley, executive director, National Institute on…

    February 7, 2019
    Advisors will have to go beyond the math to help clients plan for retirement.

    More Than Math: Helping Clients Find Purpose In Retirement Planning

    The eye-opening experiences of helping her husband transition into retiree life prompted Adams to starting focusing on the non-math aspects of retirement with her clients ensuring they really are retirement – ready.

    The 5 Ways Banks Must Transform To Thrive In An Era Of Cryptocurrency

    February 6, 2019

    Cryptocurrency has the potential to completely change how our economy functions— and it’ s already doing it. Many countries have either allowed or fully embraced cryptocurrencies like Bitcoin, the market cap for multiple cryptocurrencies has exceeded $1 billion, and public regard for cryptocurrencies is at an all-time high. That means the core institutions…

    Five Things That Impact Your Client’s Estate Beyond Their Will

    February 6, 2019

    Having a will is an essential part of an estate plan. A will directs how your probate assets will be distributed upon your passing, designates an Executor to be in charge of your estate, and allows you to create trusts for minor grandchildren or disabled beneficiaries.

    February 5, 2019

    Ohio National: We Can Legally Terminate Selling Agreements

    Ohio National informed broker-dealers in a Sept. 28 letter that it would terminate “any and all servicing agreements” on Dec. 13. That means all compensation, specifically trail commissions, stopped on that date.

    February 5, 2019

    Stocks Climbing Ahead Of State Of The Union

    The S&P 500 Index and Nasdaq Composite are firmly in the black, too, with the latter shaking off rising cost concerns from Google parent Alphabet. Investors are also gearing up for President Donald Trump’s latest State of the Union speech, which will air at 9 p.m. ET tonight. The Dow stock named a top pick by BofA-Merrill Lynch. Estee Lauder is a big earnings winner…

    6 Ways Retirement Has Changed Over The Past 25 Years

    February 5, 2019

    Our first issue, published in February 1994, offered guidance on timely issues of the day, such as how to take advantage of the home-sale-profit exclusion and how to comply with new rules that for the first time required a receipt for charitable donations of $250 or more. Some advice, such as how to figure tax on Social Security benefits, proved to be evergreen.

    Why Are Americans Cutting Back On Spending In A Strong Economy?

    February 5, 2019

    The Tax Cuts and Jobs Act goes into effect for 2018 taxes, but the results of much lower business taxes are already visible in the US stock market. The top reason to limit spending, according to the Bankrate study, is to save more. According to the Federal Reserve, 40% of Americans can’ t afford a $400 emergency from savings, so the results of the Bankrate study are…

    February 4, 2019

    College Debt Is Impeding Baby Boomers And Millennials’ Ability To Reach Financial Goals

    –As the nation’s student loan bill soars to more than 1.5 trillion dollars, many working Americans are grappling with the consequences. Seven in ten working adults with college debt rate their finances as the major source of their stress compared to four in ten of those with no college debt, according to initial findings released from Guardian’s 6 th Annual…

    Economist Sees Another Great Depression By 2030

    February 4, 2019

    But Catherine Putney of ITR Economics of Manchester produced groans from a lunchtime audience when making a more dire prediction. “ITR does mention that 2030, will be a pretty– I don’t want to say apocalyptic– but another Great Depression in the United States,” Putney told 160 people attending a Greater Manchester Chamber of Commerce luncheon at the Puritan…

    February 4, 2019
    It might be time to reassess ABLE accounts.

    Reassessing Your Client’s ABLE Account Investment Choices

    Both the stock and bond markets took a bit of a roller coaster ride in 2018. In light of this volatility, ABLE account owners may be wise to test and perhaps reassess the investment choices they have made for investing the funds in their account.

    Stocks Rebound From Dismal December To Best January In 30 Years

    February 1, 2019

    After suffering their worst December in almost 90 years, U.S. stocks rebounded in spectacular fashion in January. U.S. markets notched the best January in 30 years, fueled by positive news from the Federal Reserve. Federal Reserve Chairman Jerome Powell remained cautious while pointing to strength in the labor market and tepid inflation.

    5 Ways Financial Advisors Should Hold Clients Accountable

    February 1, 2019

    Achieving your goals requires much more than just choosing the right investments. To keep you on track, financial professionals sometimes need to step in with some clear coaching and a little tough love.

    February 1, 2019

    Breaking Free Of Social Media Dependency

    Each week MDRT and AdvisorNews bring readers advice on topics encompassing the financial services industry including case studies, practice management, tips for success and much more.

    Nasdaq Is Now Working With 7 Cryptocurrency Exchanges

    January 31, 2019

    Cryptocurrency exchanges that want to use Nasdaq’ s proprietary surveillance technology need to have more than money. A team of about 20 people contribute to an elaborate due-diligence process aimed at ensuring that any exchange that wants to use the technology, which scans for fraudulent transaction patterns, is technically capable and morally inclined…

    January 31, 2019

    ‘Protection First’ Needs To Be Financial Priority For Young Families

    Young families are pouring more money into debt reduction than they should, a new study finds.

    Fed Sees Low Rates Well Into Future And Excites Wall Street

    January 31, 2019

    WASHINGTON— The Federal Reserve held its benchmark interest rate steady Wednesday and sent its strongest signal to date that it sees no need to raise rates anytime soon. The Fed’s key rate influences many loan rates for businesses and consumers, including mortgages. The picture sketched by Powell and the Fed was of a U.S. economy that remains on firm footing with…

    The Latest: Fed To Be ‘Patient’ With Rate Hikes

    January 30, 2019

    Stock markets are up slightly ahead of the U.S. Federal Reserve’s interest rate announcement and the subsequent news conference by Chairman Jerome Powell. Investors expect the central bank to keep its rates on hold but will be looking for Powell to confirm that any further hikes will be gradual. Concerns about the pace of rate increases, which can make borrowing more expensive and cool off economic growth, had last year sent stock markets into a tailspin.

    January 30, 2019
    What questions should be asking yourself to get the kind of clients you want to work with?

    Defining Your Ideal Client: It’s Not How, But Who You Want

    Imagine if your practice were filled with clients who were enjoyable to work with and profitable at the same time.

    10 Value Stocks To Buy For 2019 And Beyond

    January 30, 2019

    Not that 2018 was a stellar year for growth companies, but it was downright miserable for value stocks. Using a pair of popular funds as proxies, growth stocks finished last year 4.5% in the hole… but value equities lost nearly 8%. The coming year could look quite different, however.

    Here’s What The Fed Should Do Today — But Likely Won’t

    January 30, 2019

    Fed meeting: The current pace of quantitative tightening seems like an unnecessary risk. The Dow Jones could suffer a letdown if policymakers doesn’t alter their approach.

    Customers Are Taking Control Of Financial Services

    January 29, 2019

    Robo-advisors, digital platforms and lower-cost delivery options will have a place in the industry and will gain market share, but the real money is in providing it all through one gateway.

    LIMRA Secure Retirement Institute Finds 4 In 5 Consumers Are Concerned About Financial Fraud

    January 29, 2019

    According to a new LIMRA Secure Retirement Institute study, 79 percent of American consumers are concerned about financial fraud with 36 percent saying they were very concerned. The report, Financial Fraud and Retirement Accounts: An Opportunity to Engage, Educate and Build Trust, noticed that levels of concern vary significantly across the different types…

    How Can Advisors Avoid Getting Sued In A Down Market?

    January 28, 2019

    Even the best clients in the most appropriate investments can panic when they’re watching their hard-earned savings shrink on a daily basis.

    January 28, 2019
    How knowing your 'why' can help you with clients.

    Commentary: Meet Clients’ Needs By Finding Your ‘Why’

    In the financial services industry, the trend seems to be moving away from that client-centric, customized model and toward providing a range services that delivers as many solutions as possible to answer any need a client might have. In other words, instead of creating a unique shopping experience that caters to the individual client, our industry is creating a virtual big-box store offering everything under the sun.

    Front-loading 401(k) can have its downside

    January 28, 2019

    While contributing the max to a 401 plan may not be easy, data from Vanguard suggests that over 40 percent of participants earning $100,000 or more were able to reach the limit last year. According to the Bureau of Labor Statistics, nearly 56 percent of employers offer a 401 plan and of those with a plan, 51 percent offer some form of a match. For example, let’s assume a…

    5 Tips to Deal With Market Volatility

    January 28, 2019

    Down 650 points one day. Up more than 1,000 points the next. “Turn off, or at least turn down, the financial talking heads,” says financial planner Paul Fain, with Asset Planning Corp., in Knoxville, Tenn. Longer-term, the following steps can help you make lemonade when the market gives you lemons.

    January 25, 2019
    Does the Super Bowl affect the stock market?

    Why Tom Brady And The Patriots Might Not Be So Terrific For Stocks

    Does the Super Bowl have any affect on the stock market? The answer might surprise you!

    January 25, 2019

    What’s In Store For Bitcoin And Cryptocurrency In 2019?

    Bitcoin and cryptocurrencies are functional assets, meaning their value is derived from the usability within an ecosystem for either payments or access. While price volatility was rampant in 2018, transactions remained relatively stable and rebounded nicely from their April lows. This bodes well for increasing adoption rates as users transact in…

    January 25, 2019

    The S&P 500 May Be About To Disappoint A Generation Of Investors

    Flat Returns Test The Impatient, And It Is Happening Right Now. I can’ t wait to invest in the next U.S. stock bull market. This first one shows that the S&P 500 Index has been about flat since the start of November 2017.

    January 25, 2019
    Why an objection from clients is a good thing.

    Fast-fact Friday: Instigating, Understanding and Solving Your Clients Objections

    Each week MDRT and AdvisorNews bring readers advice on topics encompassing the financial services industry including case studies, practice management, tips for success and much more.

    January 24, 2019

    Debt Reduction Is Parents’ Top Financial Priority – At The Expense of Long-Term Financial Planning

    A new survey from New York Life found that 72 percent of parents identify debt reduction as a top financial priority for 2019. Although most parents, 67 percent, say they plan to save more, when asked what they’ d do with a $5 million lottery jackpot, 58 percent rank paying off debt as one of the top three uses for their winnings. “While reducing debt can be a worthwhile…

    January 24, 2019

    Plan Advisors Show Interest In DC Income Strategies

    As more advanced decumulation strategies enter the financial world, professional advice is more important than ever.

    Generation X Not As Confident About Retirement Readiness As Baby Boomers.

    January 24, 2019

    Both Boomers and Gen Xers are relying or expect to rely on Social Security for a portion of their monthly income. Seventy-three percent of Boomers rely on Social Security for 25% to 100% of their monthly income–and 85% of Gen Xers expect to do the same. Fifty percent of Boomers and Gen Xers have saved or are on track to save $700,000 or less.

    World Economy Forecast To Slow In ’19

    January 23, 2019

    The IMF cut its estimate for global growth this year to 3.5 percent, from the 3.7 percent it had predicted in October and down from 2018′ s 3.7 percent. “After two years of solid expansion, the world economy is growing more slowly than expected and risks are rising,” said IMF Managing Director Christine Lagarde as she presented the forecasts at the World Economic…

    January 23, 2019
    Is Regulation Best Interest going into hibernation?

    Reg BI’s Long Sleep

    The continuing government shutdown has left federal agencies scrambling. Short-term, tax refunds and passports could be delayed being issued, but the long-term implications could have dire repercussions for potential policies such as the Securities and Exchange Commission’s Regulation Best Interest standard, which, prior to the shutdown, was due out sometime this year.

    40 Years After His ‘Folly,’ Bogle’s Index Funds Reign

    January 23, 2019

    Later this year, however, U.S. stock index funds may for the first time control more in assets than mutual funds run by stock-picking managers trying to deliver better returns than an index like the S&P 500.. U.S. stock index mutual funds and ETFs now control close to $3.6 trillion, according to Morningstar. Last year, investors pumped a net $206.5 billion into U.S….

    Stocks Subdued As Chinese Growth At Weakest Point Since 1990

    January 22, 2019

    BANGKOK- World stocks were subdued Monday after China reported its slowest economic expansion in 30 years and the International Monetary Fund cut its forecasts for global growth this year. Britain’s FTSE 100 added less than 0.1 percent to 6,970.59. Japan’s Nikkei 225 index rose 0.3 percent to 20,719.33, while South Korea’s Kospi was flat at 2,124.61.

    January 22, 2019
    Why thinking beyond the dollar could help you go further.

    De-Commoditize Yourself By Going Beyond The Money

    I believe that people are starved for several things when they are looking for financial help. Our ability to go beyond the numbers and focus on them as people, not on how much money they are paying us, is how we combat the trend that is commoditizing our profession.  

    Susan John, CFP Leads CFP Board’s Board Of Directors

    January 22, 2019

    The Certified Financial Planner Board of Standards issued the following news release:. At the start of this New Year, Certified Financial Planner Board of Standards welcomes Susan John, CFP (R) as the new Chair of the Board of Directors. One of her great accomplishments at NAPFA was helping to form the Financial Planning Coalition, a collaboration between the…

    January 21, 2019

    Rewirement: Focusing On Retirement Income Planning

    Retirement income planning has gone from a niche area of planning to an essential offering for many advisors because it is where the money and market are, not to mention your clients’ needs. It also presents unique challenges that are not seen in all other areas of financial planning. That’s actually why I wrote my book Rewirement – to highlight how you need to change the way you think from saving for retirement to generating income in retirement.

    It’s Never Too Late To Start Saving For Retirement

    January 21, 2019

    Despite countless television ads touting the virtues of retirement planning, it seems many people are not getting the message: According to a survey from GOBBankingRates.com, one-third of Americans have nothing saved for retirement. Financial advisors recommend men and women begin saving for retirement as early as possible. The longer people delay…

    New Report: Financial Advisors Are Still The Primary Source For Advice

    January 20, 2019

    The Certified Financial Planner Board of Standards issued the following news release:. Financial advisors remain the primary source for the delivery of financial advice despite the availability of fully automated digital solutions, with clients expecting technology to be part of their relationship with advisors, according to a new report issued today by…

    Women Seeking Financial Advice Creates Opportunity For New Clients

    January 18, 2019

    Advisors could find opportunities as an increasing number of women seek financial advice and are expected to control $22 trillion in assets by 2020.

    Fast-fact Friday: Engage New Or Potential Clients With The Right Approach

    January 18, 2019

    Each week MDRT and AdvisorNews bring readers advice on topics encompassing the financial services industry including case studies, practice management, tips for success and much more.

    January 18, 2019
    Millennials are faced with tough calls at every turn.

    The Millennial Dilemma: Student Debt Or Retirement Saving?

    The millennial generation is taking the labor force by storm. But they are faced with two competing financial needs: saving for retirement and paying down their student loans.

    As Some States Move Ahead With Fiduciary Regulations, Advisers Prefer Federal Rules

    January 17, 2019

    Concern over a state-by-state approach is one reason that a national set of uniform rules made sense because that would limit a confusing array of regulations, several observers from Pennsylvania noted. Steve Bell, with the Central Pennsylvania chapter of the Financial Planning Association, said a new proposal has been floated in Washington, D.C., that could…

    Bogle Added Fairness, Ethics To Investment Industry

    January 17, 2019

    Jack Bogle died on Jan. 16. Business and investment guru Warren Buffet, a huge fan of Bogle’ s, once bet a hedge fund manager $1 million that an index fund would beat his hedge fund’ s gains over a period of time. The other thing Jack Bogle did was to drastically lower the fees investors pay to mutual fund managers, for both index and traditional, actively managed funds.

    PA State Treasurer To Push Plan For Private-sector Retirement Saving

    January 17, 2019

    “One of the treasurer’ s highest priorities in the new year is to put together more supporters and business advocates now that there is a new general assembly,” said Mike Connolly, director of communications for the Pennsylvania Treasury in Harrisburg.“ Employees would be offered a mandatory IRA plan through work, as a payroll deduction. It does not put a burden on…

    January 16, 2019

    What I Learned From The Most Successful Advisors

    Sometimes it’s not what they do, it’s what they don’t know how to do.

    Women Who Retire With Husbands Lose Out

    January 16, 2019

    Married women overall are still in their peak earning years in their 50 s and early 60 s, while married men’s earnings are on the decline, says economist Nicole Maestas, an associate professor of health care policy at Harvard Medical School and the author of a recent study about couples’ income and retirement patterns. As a result, married women typically…

    APNewsBreak: IRS Recalling 46,000 Workers To Handle Taxes

    January 16, 2019

    The Internal Revenue Service is recalling about 46,000 of its employees furloughed by the government shutdown _ nearly 60 percent of its workforce _ to handle tax returns and pay out refunds. The employees won’t be paid. The Trump administration has promised that taxpayers owed refunds will be paid on time despite the disruption in government services caused by the partial shutdown now in its fourth week.

    January 15, 2019
    Concern over the economy grows as the shutdown enters day 24.

    Will The Continuing Government Shutdown Cause Stocks To Take A Dip?

    What impact will the continuing government shutdown have on the economy? LPL analyst John Lynch shares his predictions.

    With HSA Changes, Here’s How To Find The Best Option For Clients

    January 15, 2019

    Clients will be able to contribute more to these accounts in 2019 because of changes in tax law, but choosing a plan is still no easy decision.

    Enduring Market Volatility

    January 15, 2019

    The volatility experienced at the end of 2018 is something long forgotten by some investors. Volatility isn’t always a bad word, it really means a tendency or vulnerability to rapid change, often unpredictably, especially for the worse. For equity investors, 2018 exuded evidence of increased volatility, and much of it was in the downward direction.

    The Federal Reserve Calms Markets, But Pays A Price

    January 14, 2019

    The high-stakes skirmish between the Federal Reserve and Wall Street over the path of interest rates is over. But something quite unexpected had transpired: The Fed, facing strong criticism from Wall Street and the White House for its campaign to raise interest rates to more normal levels, concluded it was best to take a breather. Wall Street, by contrast, was sure…

    The Benefits of Values-Based Planning

    January 14, 2019

    Values-based planning can help improve your practice by allowing you to better advise your clients, predict their behavior under stress and focus your conversations. If you’re interested in incorporating this approach into your practice, review the three recommendations below.

    January 11, 2019
    How will the Government Shutdown impact Reg BI.

    Government Shutdown Could Delay Reg BI Rollout

    So, where is the policy now? What’s changed? And when can advisors anticipate a final rule on Regulation Best Interest?

    US, China End Talks On Tariff Battle With No Word On Outcome

    January 11, 2019

    The three-day talks in Beijing that wrapped up on Wednesday were the first face-to-face negotiations since U.S. President Donald Trump and his Chinese counterpart Xi Jinping met in Buenos Aires in December and agreed on a 90- day truce in a trade war that has disrupted the flow of hundreds of billions of dollars of goods. US officials used three days of trade…

    January 10, 2019
    Federal Reserve Chairman Jerome Powell.

    Fed Chair Powell Predicts No Recession In 2019

    “The U.S. economy is solid and there’s good momentum going into this year.” His biggest concern is weakening growth in China and Europe, although he warned a prolonged U.S. government shutdown could become a drag on the economy. The Fed chair, who has been publicly criticized repeatedly by President Trump in recent months, warned that if there is an “extended shutdown,”…

    January 10, 2019

    Key Annuity Trends: Mergers, Simplification, Amazon-ification

    By KENT SLUYTER  For AdvisorNews The previous year had more than its share of big news for the annuities industry….

    Global Stock Rally Builds As US-China Trade Talks Wrap Up

    January 9, 2019

    Stocks around the world built on their early 2019 rally Wednesday after negotiators from the U.S. and China extended their round of trade talks to a third day, which investors took as a sign the discussions were productive even though no major breakthroughs have been announced. Oil prices also continued to climb and stocks linked to faster economic growth, such as technology companies, kept climbing. Bond prices fell, sending yields higher.

    January 9, 2019
    What is drawing investors to ETFs?

    Direct Indexing Captures The Imagination Of ETF Enthusiasts

    Advances in financial technology allow investors to look beyond traditional investments. Exchange-traded funds offer strategies and indices with mass appeal, and investors acquainted with ETFs have started to adopt direct indexing to further diversify their portfolios.

    What Does The Government Shutdown Mean For Advisors?

    January 9, 2019

    The SEC is running on a skeleton crew that effectively halts routine oversight.

    January 8, 2019

    The Best Robo-Advisors in a Down Market

    “Robo-advisors were fortunate in that they launched during a strong bull market,” said Roi Y. Tavor, co-founder and CEO, Nummo. The report, which analyzes the period from December 1, 2017 to December 1, 2018 is the first to truly consider robo-advisors and portfolio performance in a down market. The number of robo-advisors continues to increase, but there are…

    Wall Street’s 2019 forecast? You Might Not Want To Know

    January 8, 2019

    In good times and bad, Wall Street has to have a story— a clear, concise view of the economy and markets and how you, our valued client, can make money by trading with us. Bloomberg reporters sifted through dozens of Wall Street research notes and provided a Reader’ s Digest version of the key takeaways. “We think the bear market is mostly complete for emerging markets, has…

    January 8, 2019
    Financial documents that need to be checked each year include estate plans.

    Top 5 Legacy Checks To Do At The Beginning Of Each Year

    The start of a new year is a good time to make sure beneficiary designations and other financial information is up to date.

    January 7, 2019
    Could states and financial professionals work together to help more people save for retirement?

    State-run Retirement Plans Can Be ‘Complementary’ To Private Sector

    Can states and financial professionals work together to help more people save adequately for retirement? One expert thinks so.

    Jittery Wall Street Has A Lot Ahead To Be Nervous About

    January 7, 2019

    One recent characteristic of the stock market is that every day can feel like bedlam. Investors have been careening from fear to relief and back again depending on the latest news. More tests of the market’s mettle lie ahead, with U.S.-China trade talks, the fourth-quarter earnings period and another Federal Reserve meeting on the horizon.

    Rewirement Tips


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