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Cognitive impairment, lower income drive higher LTC insurance lapses: Study
Advisers should take these factors into account when incorporating long-term-care insurance into a client's financial plan.
Fidelity throws its weight behind longevity annuities
The Boston retirement-services giant is giving its clients a new option for planning for the costs and risk of living longer by making deferred-income annuities available for retirement plans. (See also the Top 10 annuity sellers in the second quarter.)
Michael Kitces' weekend reading for financial advisers
Pimco gets put on notice, the latest twist in the CFP Board-Camarda battle, and the rest of the week's must-reads for advisers
Elder care needs will transform advice industry
If you're like most financial advisers, you are focused on how to capture a piece of the lucrative IRA rollover market as baby boomers transition into retirement. But fast forward 10 or 20 years and those same clients may be less interested in golf and travel and more concerned about assisted
Advisers fall short on implementation of long-term-care insurance
Most know it's a key part of retirement planning but lack in-depth knowledge when the need for care arises.
2 health savings account changes clients can make to unlock their full potential
Tweaks to HSA investment vehicles and what the accounts are used for can pay dividends to clients.
Bigger & Better
Advisers with assets over $1 billion are outperforming their peers. Does your firm have what it takes to be a billion dollar baby?
Genworth Financial struggling under the weight of long-term care costs
Insurance giant stung by cost of elder care, longer life spans of retirees and persistently low interest rates.
Oscars shine light on Alzheimer's costs
Financial advisers can help clients take early steps to plan for the progressive disease.
When to disenroll from Medicare
If clients fit the requirements, now is the time for them to take action and reduce unnecessary medical spending and hassles
Hybrid life-LTC policies are a hit among advisers
Insurance products that combine life insurance and long-term care benefits are getting their time in the sun among advisers as traditional LTC options shrink.
National insurance registry falls short of goal line, tax extenders passes
With Congress adjourned, rejected bills, such as one facilitating insurance agents' ability to practice in multiple states that was blocked by Sen. Tom Coburn, will need to be reintroduced next year.
If client tests positive, the next step is yours
A new blood test being developed to identify the likely onset of Alzheimer's disease up to a decade before current tools can offer financial advisers and clients great opportunities but also presents clients with a dilemma. To be tested or not to be tested?
Health savings accounts: Transforming health care, forcing hard choices
Advisers have found themselves helping clients figure out how to fund long-term retirement savings and short-term medical expenses, and it hasn't been easy.
Early detection of Alzheimer's would allow for better financial planning
Soon, a blood test may let patients know they have Alzheimer's 10 years earlier than it can be diagnosed today. Advisers say that is a lot of extra years to allow clients to save and make important legal and health care decisions.