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February 19, 2013
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Financial and wealth management news for the retirement community

  Top News 
  • Life insurance cash-outs rise
    More seniors are converting life insurance policies to cash via life settlements, a practice that some regulators and life insurance trade groups warn could harm seniors. Investors who buy the policies say they can be lucrative, and some say the move can be good for seniors as well. "This is a good investment for people who don't need the insurance or can't afford the premiums," insurance broker Howard Stern says. Pittsburgh Tribune-Review (2/18) LinkedInFacebookTwitterEmail this Story
Reasons to plan: the video your female clients must see.
We asked 10 women to describe their experiences with aging and chronic illness. What they said may surprise you and change the way you help your clients prepare for their future.
Watch our video now at

  Industry Update 
  • BofA sees a 28% increase in new retirement-plan assets
    Bank of America is winning more 401(k) business, largely because of successful cross-selling to clients of its commercial bank. BofA saw new retirement-plan assets rise 28% to $24.3 billion last year. Banks are aggressively cross-selling retirement services, competing against 401(k) behemoths such as Vanguard Group and Fidelity Investments, as they seek new sources of revenue. Bloomberg (2/19) LinkedInFacebookTwitterEmail this Story
  • The benefits of easing into retirement
    People who work at least part time in their 60s and who take up more retirement-style activities before actually retiring can get ahead financially, says Christine Fahlund of T. Rowe Price Group. The strategy allows near-retirees to spend money from their wages on leisure activities, instead of spending down their nest eggs. The Wall Street Journal (2/17) LinkedInFacebookTwitterEmail this Story
Is Pricing Low Your Strategy to Success? Think again.
Pricing is the heart of a business. It affects everything you do and is affected by everything you do. Economists talk of supply and demand as key factors behind pricing—successful entrepreneurs manipulate demand by making their products more desirable. These six steps will help you determine the right price for your product or service, read the article and learn how to get pricing right.

  Financial Literacy 
  • 1980s law to hit Social Security for some government workers
    Some Americans will not get the Social Security benefits they may have been expecting because of a rule adopted in 1983. Workers who were eligible for a government pension and were hired before 1984 are subject to a provision that prevents them from getting both the pension and full Social Security benefits. The so-called Windfall Elimination Provision lowers the benefits amount for those who were not subject to payroll tax. Fox Business (2/18) LinkedInFacebookTwitterEmail this Story
Building Workplace Trust 2015
Interaction Associates' 6th annual research study tracking trust on the job, Building Workplace Trust, is out, and more than half of employees surveyed give their organizations low marks for trust and leadership. Yet this year's findings again point to how high trust leads to better outcomes and financial results — and even boosts innovation.

  On the Economy 
  • Income gains in recovering U.S. economy bypass most Americans
    Most of the income gains from the U.S. economic recovery that began in 2009 have gone to the upper 1%, according to an analysis by economist Emmanuel Saez of the University of California, Berkeley. In fact, real incomes for the lower 99% are less than they were at the end of the recession. Saez says this pattern of upward income redistribution is expected to persist. CBS MoneyWatch (2/17) LinkedInFacebookTwitterEmail this Story
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.

  Building Your Practice 
  • How to succeed as an independent retirement-plan adviser
    Independent retirement-plan advisers who succeed share three traits, Liz Davidson writes: They create clear plans with one-, three- and five-year horizons and an overarching vision for the decade; they plan ahead for clients; and they understand that expenses need to stay low while investments in things that give their firm a competitive edge should be robust. AdvisorOne (2/18) LinkedInFacebookTwitterEmail this Story
Whitepaper: SDN: How do you get there from here?
Are the growing data needs of mobile, cloud, big data and social threatening today's enterprise networks? Scalable processes, a phased integration approach and the appetite to optimize over time are key components of a modern network. It's how agile organizations prepare for the data needs of tomorrow.
Explore the whitepaper to start down the path toward SDN.

The right to be let alone is indeed the beginning of all freedoms."
--William O. Douglas,
U.S. Supreme Court justice

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