Commonwealth Independent Advisor

Ethan Young

Ethan Young is director, insurance and annuities, at Commonwealth Financial Network®, member FINRA/SIPC, the nation's largest privately held Registered Investment Adviser–independent broker/dealer. Since joining the firm in 2002, Ethan has overseen our fixed, variable, and equity-indexed annuity platform. As director of insurance, he advocates, markets, and positions insurance solutions within the wealth management process for Commonwealth-affiliated advisors and their clients. He also leads and assists the Product Specialist team, which provides indispensable education, sales support, and service to our advisors. Ethan attended Allegheny College in Pennsylvania, where he studied English literature. He holds FINRA Series 6, 26, and 63 securities licenses and obtained the Wealth Management Specialist designation from Kaplan College in May 2004.

Information about securities-registered professionals may be found at FINRA BROKERCHECK.

Recent Posts

Do Your Clients Need an Insurance Policy Review?

How to Talk About Disability Insurance with Your Female Clients

Insurance Planning: The Business of Protecting Families

10 Long-Term Care Questions to Ask Your Clients

Should Some Clients Self-Insure for Long-Term Care?

Do Your Clients Need an Insurance Policy Review?

Posted by Ethan Young

September 2, 2020 at 11:00 AM

Commonwealth partnered with Ash Brokerage to enhance the insurance marketing and operations functions available to our advisors. Ash Brokerage doesn’t just specialize in insurance; it approaches insurance with a passion that matches our own company culture, providing our advisors with untapped growth opportunities in offering protection products for their clients. I’m pleased to present the below post, brought to you by the specialists at Ash Brokerage, which discusses why now may be the right time to help your clients perform an insurance policy review.

As we all adjust to this “new normal,” many of your clients have likely begun to reflect on how they manage their lives and their finances. For some, job situations have changed. For others, priorities have shifted. And for many, their risk tolerance has evolved. Given all this, your clients may need an insurance policy review to ensure that their life insurance policies still align with their current goals.

Read More

Topics: Risk Management

How to Talk About Disability Insurance with Your Female Clients

Posted by Ethan Young

October 29, 2019 at 10:00 AM

In 2018, Commonwealth partnered with Ash Brokerage to enhance the insurance marketing and operations functions available to our advisors. Ash Brokerage doesn’t just specialize in insurance but approaches it with a passion that matches our own company culture, providing our advisors with untapped growth opportunities in offering protection products for their clients. I’m pleased to present the below post, in which Meghan Cormany, DI sales development specialist at Ash Brokerage, talks about the importance of disability insurance, particularly for women.

Read More

Topics: Risk Management

Insurance Planning: The Business of Protecting Families

Posted by Ethan Young

August 14, 2019 at 1:30 PM

Ethan Young here, director, insurance and annuities, at Commonwealth. In 2018, Commonwealth established a partnership with Ash Brokerage to enhance the insurance marketing and operations functions available to our advisors. Ash Brokerage doesn’t just specialize in insurance but approaches it with a passion that matches our own company culture. It provides our advisors with untapped growth opportunities in offering protection products for their clients. We see this partnership as a way to bring the best of both organizations to the advisors who affiliate with us. Below, Steven Bressler, risk management consultant at Ash Brokerage, discusses the power of insurance planning and how to talk about it with your clients.

Read More

Topics: Risk Management

10 Long-Term Care Questions to Ask Your Clients

Posted by Ethan Young

July 24, 2019 at 1:30 PM

When it comes to contemplating our own mortality, most people would prefer to continue whistling by the graveyard. And talking about the health issues we may endure if we live to a ripe old age? Not a pleasant topic of conversation either. Despite that, having these sorts of discussions with your clients is an absolute necessity. What if Jane falls and breaks a hip and can’t recover the way she used to? What if Elizabeth develops Alzheimer’s? What if Charlie lives to 100, but requires a nursing home or round-the-clock at-home care for the last 15 years of his life? One of your key roles as an advisor is to ensure that there's a plan in place to protect your clients' retirement savings from these potentially costly medical expenses.

Read More

Topics: Risk Management

Should Some Clients Self-Insure for Long-Term Care?

Posted by Ethan Young

March 26, 2019 at 10:00 AM

According to conventional financial planning, it’s important for high-net-worth individuals to self-insure for long-term care expenses. At Commonwealth and Ash Brokerage, our insurance partner, we would agree that while there's some truth to this idea, most clients (including high-net-worth ones) should consider transferring the risk of long-term care. But that's not to say it's right for every high-net-worth client.

Read More

Topics: Risk Management

New Call-to-action
New Call-to-action

Follow Us