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December 5, 2012
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News covering the insurance and financial advising industry

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  Industry News 
  • How advisers can calm anxious clients amid tax uncertainty
    Advisers need to find the right time and place to talk about possible tax changes with anxious clients. Phone conversations won't work for many clients, some advisers say. Also, be prepared to offer a few pieces of fail-safe advice, such as investing in a Roth IRA and, if the client is an entrepreneur, employing one's own children. The Wall Street Journal (11/29) LinkedInFacebookTwitterEmail this Story
  Investment Trends 
  • Research: Worker contributions to 401(k)s are decreasing
    Employees continue to contribute less to their 401(k)s even though paychecks have risen in the past five years, JPMorgan Chase research finds. Those who are auto-enrolled in 401(k)s have lower contribution rates than the average for other starting participants, and a large portion of workers tap into 401(k)s for loans, the research shows. (12/4) LinkedInFacebookTwitterEmail this Story
  • Older investors are fleeing risk, study shows
    A majority of investors 55 and older favor stable investment products rather than riskier products that could offer higher returns, according to the AIG Retirement Re-Set Study. The preference suggests that older Americans still have diminished confidence in the markets and the economy, even though both have rebounded since the financial crisis, says Jay Wintrob, CEO of AIG Life and Retirement. InvestmentNews/Retirement 2.0 blog (free registration) (12/3) LinkedInFacebookTwitterEmail this Story
  Policy Watch 
  • Rep. Hoyer: "Fiscal cliff" talks should include Medicare benefits
    House Democratic Whip Steny Hoyer of Maryland says cuts to Medicare and other entitlement programs must remain part of congressional discussions on the "fiscal cliff." "You've got to have everything on the table, notwithstanding the fact that I don't like some things that may be on the table," Hoyer says. The Hill (12/4) LinkedInFacebookTwitterEmail this Story
  • Upper-middle-income earners benefit most from 401(k) incentives
    If lawmakers were to change tax incentives for 401(k) plans in their efforts to reduce the federal deficit, those most affected would be Americans earning $160,000 to $600,000 a year, research indicates. Those earning less pay lower rates and tend to save less; those earning more already face a limit on how much they are able to save in tax-deferred plans, and those plans likely represent a small portion of their financial assets. MarketWatch/Encore blog (12/3) LinkedInFacebookTwitterEmail this Story
  Building Your Business 
  • The right benefits attract the best talent
    A strong benefits plan is essential in recruiting and retaining the best talent, consultant Mary Dunlap writes. Options to consider include health insurance and related accounts, dental insurance and preventive plans. Other benefits welcomed by employees include retirement planning, results-oriented bonuses and incentives, and fringe benefits. Management Center blog (11/30) LinkedInFacebookTwitterEmail this Story
  NAIFA News 
  • LIFE Foundation urges agents to participate in 2013 realLIFEstories
    The LIFE Foundation is accepting entries for the 2013 realLIFEstories Client Service Recognition Program. The annual program seeks to gather and publicize compelling stories of the role insurance has played in helping families and businesses in times of great financial need. Four winning stories, chosen by an independent judging panel, will be featured nationally in the fall of 2013. The application form is available at Read more at the Advisor Today blog. LinkedInFacebookTwitterEmail this Story
  • Save 10% on your CalSurance E&O premium
    NAIFA members who successfully complete the NAIFA Professional Liability Insurance Program Risk Management/Loss Control Seminar program can save 10% over the next three E&O policy terms. Simply turn in a copy of your certificate of completion along with your application to CalSurance, NAIFA's E&O insurance provider, to get the discount. For more information, contact the NAIFA team at 888-833-2304 or visit LinkedInFacebookTwitterEmail this Story
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Thoughts, like fleas, jump from man to man. But they don't bite everybody."
--Stanisław Jerzy Lec,
Polish poet and aphorist

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