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February 12, 2013
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News covering the insurance and financial advising industry

  Top Story 
  • Guidance outlines use of HRAs with private-exchange policies
    The Department of Health and Human Services has issued guidance on using health-reimbursement arrangements with insurance policies bought from private insurance exchanges. The typical HRA credit limit of $1,000 to $2,000 has raised questions because of the Affordable Care Act's provision against coverage limits on health care expenses. The department says an HRA would not violate the provision on annual and lifetime limits as long as it is tied to or "integrated" with an employer group plan. Business Insurance (tiered subscription model) (2/10) LinkedInFacebookTwitterEmail this Story
  Industry News 
  • Report: Married baby boomers outpace singles in retirement savings
    Eight of 10 married baby boomers have accumulated retirement savings and more than half have set retirement goals with an adviser's help, compared with 66.6% and 40.8%, respectively, of their unmarried counterparts, according to the Insured Retirement Institute. Married boomers also are also less likely than their single counterparts are to rely on Social Security as a major source of retirement income, according to the group. Among couples, 47.1% are instead depending on a 401(k) plan, compared with 27.8% of unmarried boomers, the group said. Financial-Planning.com (2/11) LinkedInFacebookTwitterEmail this Story
  • Forcing retirees to annuitize: Payout restrictions ahead?
    Some plan sponsors are looking at restricting the lump-sum payouts most 401(k) account holders take from their retirement savings, an attempt to get more people to convert their defined-contribution assets into annuities. The movement is aimed at getting investors to make their retirement funds last longer. Time.com (2/7) LinkedInFacebookTwitterEmail this Story
  • Poll: Tech tools appeal more to younger retirement savers
    A survey from OneAmerica Financial Partners found that more than 60% of investors younger than 40 consider online retirement calculators to be helpful, compared with 41% of those over 50 who say the same. Twenty percent of those in their 20s and 30s said they get their financial information from blogs, compared with 9% of those in their 40s and 50s who said the same. BenefitsPro.com (2/8) LinkedInFacebookTwitterEmail this Story
  • Commentary: Financial planning isn't a commodity service
    Financial planning may avoid becoming a commodity service because it relies on providing clients with customized advice that reflects the planner's expertise and acumen, Michael Kitces writes. Some aspects of planning, such as providing basic financial projections or implementing passive portfolios, can be accomplished by clients using online tools or software, but financial planners who provide high-quality analysis and advice may find their skills more competitive in contrast, Kitces writes. Nerd's Eye View blog (2/11) LinkedInFacebookTwitterEmail this Story
  Investment Trends 
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  Building Your Business 
  • How to put your firm's performance in high gear
    Financial-planning firms can ramp up performance by crafting written succession and marketing plans and sticking to them, and by regularly considering which business model works best, says Mike Durbin of Fidelity Institutional Wealth Services. Those are among five attributes that a Fidelity survey identified as key to financial-planning firms' success. Financial-Planning.com (2/7) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • NAIFA President-Elect Nichols: Advisers protect freedom, control and financial independence for Americans
    This is the second in a series of video clips on the importance of advisers engaging Congress on tax reform. Watch the video. LinkedInFacebookTwitterEmail this Story
  • Free members-only NAIFA webinar -- Double Your Sales: Selling & Marketing Strategies To Close More Deals
    Do you want more clients, money and free time without working harder? Do you want to know the secret to becoming a top producer? In this webinar, presented by speaker, coach, author, adviser and business founder Annette Bau, CFP, you will learn strategies to help you increase your income and sales results and close more deals. It is scheduled for from 3 to 4 p.m. Eastern time on Tuesday, Feb. 26. Reserve your webinar seat now. LinkedInFacebookTwitterEmail this Story
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  SmartQuote 
Do not teach your children never to be angry; teach them how to be angry."
--Lyman Abbott,
American theologian, author and editor


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