risk management

Yes, legally the rule can be stopped from full implementation. However, many companies have already made process shifts, product and compliance changes that they would most likely not roll back if the rule was stopped. …

Indexed annuities are increasing in market share in the annuity world, while variable annuities have shrank. Some in the industry believe these two factors are related but there are other dynamics at play. For example, …

When the new Fiduciary Rule goes into full effect in April 2017, if the incoming President and unified Congress do not block its implementation, all annuities (fixed, variable and indexed) will be governed by the …

Alleviating fear in new, potential and existing clients is a continual process. Consistency is key to building strong relationships. But inevitably, even with clients who have been with an advisor for an extended period, there …

by Ryan W. Smith Even the most well designed retirement plans can hit unseen roadblocks along the way, especially once one’s working life is completed and a regular paycheck has stopped. Social Security will only …

While 28% of retirees say they have not been impacted by any major unexpected expenses, according to a biannual report by the Society of Actuaries regarding retirement expenses. Among the remaining 72%, the three most …

According to a biannual report by the Society of Actuaries regarding retirement expenses, commonalties exist between both age range and income level. For example, Chronic Illness and Dental Expenses are common unexpected expenses for those …

According to a biannual report by the Society of Actuaries regarding retirement expenses, nearly half of all Americans have no retirement savings at all and will rely almost solely on Social Security for retirement income. …

by Ryan W. Smith College is one of the most formidable expenses a person has in life. Many students will rely on loans to pay for at least a portion of the cost, but in …