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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.
Most Medicare beneficiaries overspend on out-of-pocket costs
People don't understand their coverage and the choices they can make to maximize their benefits and minimize unnecessary spending.
Prolific U.S. oil production raises questions about a new tipping point
Friday Breakfast with Benjamin highlights the downsides to cheap U.S. oil. Plus: Maybe you don't need long-term-care insurance, the high risks of not saving for retirement, Putin becomes a gold bug, and why you might get a raise in 2015.
How Social Security annual increases are calculated
Some topics are a lot more controversial than others. But I was amazed when my October 1, 2014, article that correctly predicted next year's 1.7% cost-of-living adjustment for Social Security benefits several weeks before the official announcement triggered more than 80 vehement responses.Most of
Game Changers: Dealing with Dementia Cognitive decline doesn't just rob the elderly of their mental capacity. Advisers and their firms often are left adrift, forced to make crucial decisions affecting the financial affairs of elderly clients.
Early onset Alzheimer's: When plans are upended
Ken Sullivan and his wife, Michelle Palomera, seemed like ideal clients. Both had well-paying jobs in financial services and had been diligent savers. Their financial adviser helped them cover their bases, building their money in managed accounts while helping them plan for their two daughters' ...