Many are choosing direct provider over financial adviser | Retirement funds represent more of Americans' net worth | FINRA seeks ability to publicize complaints
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March 25, 2013
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Many are choosing direct provider over financial adviser
Investors are increasingly opting to use a direct provider, rather than a traditional financial adviser, to manage their money. A Cerulli Associates report shows an increase in assets with direct providers. Charles Schwab, TD Ameritrade and other companies offer trading and investment platforms that are changing the way people invest. InvestmentNews (free registration) (3/21), The Wall Street Journal (3/21)
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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
Retirement funds represent more of Americans' net worth
Americans' net worth has decreased since 2000, and the components of their wealth have shifted significantly since 1984, Census Bureau data show. Retirement funds composed a much larger portion of net worth for young and old Americans in 2011 compared with 1984; home equity and interest-earning accounts represented smaller portions of net worth in 2011 than in 1984. CNNMoney/Economy Now blog (3/22)
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FINRA seeks ability to publicize complaints
A Financial Industry Regulatory Authority proposal released last week for comment by the Securities and Exchange Commission would allow FINRA to publicize its monthly notices of disciplinary actions as well as its online reporting system in an effort to highlight pending regulatory complaints. The change would bring FINRA's policy closer to that of the SEC. However, some industry experts worry that the differing nature of the organizations make the changes a bad fit for FINRA. InvestmentNews (free registration) (3/22)
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Congress pushes multistate insurance sales clearinghouse bill
Both the House and Senate have introduced bills to create the National Association of Registered Agents and Brokers. It would serve as a clearinghouse for insurance agents and broker licensing, allowing financial advisers registered in one state to become licensed to sell in another. InvestmentNews (free registration) (3/24)
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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.

Financial LiteracySponsored By
How to teach money skills to young children
Preschoolers aren't too young to learn the basics of handling money, experts say, and the sooner financial-literacy training begins, the more likely it is to stick. Children ages 3 to 5 can be given a small allowance and taught to divide it into "giving," "saving" and "spending" categories, says Danny Kofke, a teacher and author. As they grow, children should learn more about earning money, Kofke says. The Atlanta Journal-Constitution (3/25)
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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 EconomySponsored By
Long-term unemployment hurts older U.S. workers
Almost half of the Americans who have been jobless for more than a year are 45 or older, Labor Department statistics show. That long-term unemployment can mean what Nariman Behravesh, chief economist for IHS Global Insight, calls a "permanent underclass." The longer people go without work, the more difficult it is to find it, economists say. The Boston Globe (tiered subscription model) (3/24)
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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 PracticeSponsored By
Apps that offer motivation, convenience for work
The iPhone application Sales Calls on Fire is intended to help users stay on track with sales goals. The iOS and Android app SignNow lets users send signed documents electronically, and Print n Share routes electronic files from an iOS device to any wireless printer. National Underwriter Life & Health (3/20)
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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.

I love those who can smile in trouble, who can gather strength from distress, and grow brave by reflection. 'Tis the business of little minds to shrink."
-- Leonardo da Vinci,
Italian artist, scientist and writer
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