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November 21, 2012
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Financial and wealth management news for the retirement community

  Top News 
  • Preparing for the 3.8% tax on investment income
    A 3.8% tax on investment income will take effect in 2013. Advisers say many clients aren't taking action to prepare for the tax, which Congress adopted in 2010 as part of the Affordable Care Act. Advice on the right approach for preparing for the tax varies among advisers. AdvisorOne (11/20) LinkedInFacebookTwitterEmail this Story
10 ways to inspire creativity in your staff.
Fostering creative business practices isn't as hard as it seems and can lead to smart solutions. Use these ten techniques to help inspire and encourage creativity in your staff. Read the article and learn 10 ways to get the creative juices flowing.

  Industry Update 
 
  • Calif. could be a model for private-sector retirement fix
    The California Secure Choice Retirement Savings Trust could prove a template for other states to use to solve the private sector's pension crisis, Alicia Munnell writes. The proposal, which needs federal approval and a second legislative win, would create a retirement plan for private-sector employees who don't have one on the job, without using taxpayer funds. MarketWatch/Encore blog (11/20) LinkedInFacebookTwitterEmail this Story
  • MassMutual: Younger workers flocking to 401(k) plans
    About 55% of the workers participating in MassMutual retirement plans are 47 or younger, partly reflecting the company's sales in that demographic and partly reflecting an influx of younger people into the workforce, the company said. Other findings: 61% of plan assets are held by older workers, and hardship loans have fallen to their lowest point in four years. AdvisorOne (11/21) LinkedInFacebookTwitterEmail this Story
  • Other News
Transformational Journeys: Modern Business Planning
Harvard Business Review explores why CFO's and their finance organizations must adapt to the changing landscape of their markets and how big data, organizational collaboration, and new cloud-based planning and analysis technologies are driving successful change.
Click here to access the report.

  Financial Literacy 
 
  • What's on the table for retirement
    Scott Holsopple uses the Thanksgiving table as an analogy for assembling a retirement strategy. The turkey, Holsopple writes, is the 401(k) plan, the key to the whole strategy, served up with a side of nonqualified investments (potatoes), some annuities for zing (cranberries) and long-term-care coverage if you can get it (green-bean casserole). U.S. News & World Report/Smarter Investor blog (11/20) LinkedInFacebookTwitterEmail this Story
  • Other News
How to Achieve IT Agility: A Survival Guide for IT Decision Makers
When business teams add new apps and services to already-strained networks, IT departments are accountable for making everything work. Is your team ready for this challenge? Read this eGuide to learn how IT teams are automating their networks, why they're utilizing Ethernet fabrics and SDN, and what success looks like as they regain network control and business relevance.

  On the Economy 
  • U.S. deficit is decreasing at record speed
    During the past three years, the U.S. government's deficit measured as a percentage of gross domestic product has declined at the fastest rate since World War II, according to the Office of Management and Budget. The Center on Budget and Policy Priorities calculates that, not counting budget cuts scheduled to take effect Jan. 1, nondefense discretionary spending is on track to reach 2.7% of GDP, well below a 30-year average of 3.9%. Investor's Business Daily/Capital Hill blog (11/20) LinkedInFacebookTwitterEmail this Story
  • Housing starts hit highest level since July 2008
    Housing starts increased 3.6% last month, to an annualized rate of 894,000, the Commerce Department said. Building-permit applications declined for apartments but reached a four-year high for single-family homes. Overall, permits for construction decreased 2.7% compared with September, a smaller decline than economists had expected. Bloomberg (11/20), Reuters (11/20), Shopfloor blog (11/20) LinkedInFacebookTwitterEmail this Story
  Building Your Practice 
  Editor's Note 
  • SmartBrief will not publish Thursday and Friday
    In observance of Thanksgiving in the U.S., SmartBrief will not be published Thursday and Friday. Publication will resume Monday. LinkedInFacebookTwitterEmail this Story
  SmartQuote 
We can only be said to be alive in those moments when our hearts are conscious of our treasures."
--Thornton Wilder,
American playwright and novelist


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