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Retirement
Creating more precision with life expectancy planning
As life expectancy numbers continue to increase, the need for more careful and more precise financial planning for retirement has increased with it. A startup called Genivity, one of the winners of BMO's 1871 FinTech partnership program in 2017, is helping financial advisors have better conversations with their clients by incorporating health history insights into the financial planning process.
Client Life Events
Financial considerations for families with special needs
According to a 2016 Return on Disability Group report, over 56 million people in the United States identified themselves as having a disability. This demographic, along with their caretakers, requires specialized financial planning, but are often left underserved by their advisors.
Client Experience
Becoming a local thought leader with educational workshops
The educational workshop can be an effective marketing practice and a way to provide education to your local community, helping to grow your business by creating a loyal client base that views you as a leader in financial planning.
Retirement
To claim or not to claim? The Social Security question
Determining a Social Security strategy can be one of the most complicated processes that people across the U.S. face as they reach retirement. Learn the ins and outs of claiming Social Security and the role you can play in the process as a financial advisor.
Retirement
Health savings accounts: A strategic retirement tool?
With the cost of healthcare steadily rising across America, planning for this expense has become a focal point in many financial plans. Learn how investors and their advisors can turn to health savings accounts, and their tax benefits to address the specific cost in retirement.
Fixed Income Insights
Portfolio makeover: Are there hidden risks in your bonds?
To help you spot hidden risks in your bond allocations, this portfolio makeover tackles three common fixed income issues and serves as a case study for ways to add stability to your portfolios.
Fixed Income Insights
6 ways to use munis under the new tax law
Tax reform removed several major deductions, leaving munis as one of the best remaining tax-advantaged vehicles. Learn how to make the most of them.
Retirement
What volatility means for retirement plan participants
This piece is approved to use with clients.
Market volatility doesn’t have to interfere with retirement outcomes. Here are three ways volatility can impact plan participants and three ways to manage it.
Fixed Income Insights
Tax Reform Impacts Call Into Question Coastal Muni Values
Over a year has passed since the implementation of federal tax reform and high tax states are just beginning to feel the implications. As tax returns are beginning to be filed, residents in the high tax coastal jurisdictions may face some unpleasant surprises, resulting in a realization that the municipal bond tax-exemption is still an efficient way to shield taxable income.
Fixed Income Insights
Fixed Income Underdogs are the Champs of 2018
As equity investors slowly put their Dow 25,000 hats in their bottom desk drawer, let’s take a second to talk about the biggest underdogs of 2018…bonds. But can the champs repeat in 2019?
Children & College Savings
What Can a 529 Be Used For? More Than You May Think
What constitutes a qualified educational expense? When that question relates to 529 savings plans, the answer may be broader than you think.
Retirement
Approaching Retirement: 3 Smart Money Moves in Your 50s
This piece is approved to use with clients.
After you turn the big 5-0, you need to get serious about retirement planning. Here are three things to do now to prepare for a brighter future for yourself and your loved ones.