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November 19, 2012
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News covering the insurance and financial advising industry

  Top Story 
  • Commentary: Annuities help meet seniors' needs for trust, safety
    Senior citizens want financial advisers who can help them negotiate the volatile investment climate, and annuities are key to meeting those clients' needs, Daniel Williams writes. Regarding the characteristics that seniors seek in an adviser, 59% cited trust and 25% cited experience, while 66% said they avoid "pushy" salespeople, according to a survey by Senior Market Advisor magazine. Only 4% said they value being offered a wide range of products, according to the survey. National Underwriter Life & Health (11/16) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • Advise clients of possible changes for retirement plans, experts say
    President Barack Obama's call to raise taxes on individuals who earn more than $250,000 a year would also affect retirement-plan withdrawals, write William Byrnes and Robert Bloink. They suggest advising clients to invest funds in a Roth IRA or Roth 401(k), which allow tax-free withdrawals. Advisers also should apprise clients of potential changes that could reduce their maximum tax-deferred contributions to retirement plans, Byrnes and Bloink write. AdvisorOne (11/13) LinkedInFacebookTwitterEmail this Story
  • Survey: Percentage of employers offering 401(k)s is up
    A Transamerica Center for Retirement Studies survey found that 82% of employers this year offer 401(k) plans, up from 72% in 2007. However, the report's author says the increase is a result of small employers without 401(k) plans going out of business. In the past five years, the percentage of employers offering matching contributions for defined-contribution plans has fallen from 80% to 70%, the survey found. BenefitsPro.com (11/15) LinkedInFacebookTwitterEmail this Story
  Investment Trends 
  • Retiring in 2013 might be a bad move, experts say
    The expected "fiscal cliff" makes 2013 a difficult time to retire, in part because of uncertainties about tax rates, experts say. It might be wise to postpone retirement until the tax picture is clearer. "It's kind of a perfect storm in 2013," said Jason Wheeler, CEO of Pathfinder Wealth Consulting. "With questions about taxes, spending cuts, the markets, health care ... the year could be a rough one when it comes to retirement." CNBC (11/16) LinkedInFacebookTwitterEmail this Story
  Policy Watch 
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Top five news stories selected by NAIFA SmartBrief readers in the past week.

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  Building Your Business 
  • Advisers must tailor communication methods
    Financial advisers need to consider clients' age and prospects to successfully communicate with them, said Cam Marston, a generational-characteristics expert at Generational Insight. Baby boomers, Generation X and millennials have distinct preferences on how they want to be approached and given information, he said. Financial-Planning.com (11/15) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • Few Americans own LTC insurance
    According to recent research from the LIFE Foundation and LIMRA, paying for long-term-care services is a top financial concern for the majority of consumers today, yet few of them say that they own long-term-care insurance, the very product that can provide them with a financial safety net to help pay for their care. Read more on the Advisor Today blog. LinkedInFacebookTwitterEmail this Story
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  SmartQuote 
Nature never said to me: Do not be poor. Still less did she say: Be rich. Her cry to me was always: Be independent."
--Nicolas Chamfort,
French writer


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