Protecting Portfolios Against Rising Rates: A Holistic Approach

Posted by Peter Essele, CFA, CAIA, CFP

September 2, 2015 at 1:30 PM

With the Federal Reserve expected to start raising rates as early as next month, one question has been top of mind for many advisors: "What's the best method of protecting portfolios against rising rates?"

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Topics: Risk Management

Strategies for Insurance Efficiency: Control, Influence, and Letting Go

Posted by Ethan Young

February 4, 2015 at 1:30 PM

In The 7 Habits of Highly Effective People, author Stephen Covey puts the problems we face into three categories: those we can control, those we can influence, and those we can't control or influence. With insurance underwriting, you may often feel that you have no control—that the insurance carrier is in charge of the process. There are parts of the process that you can control or influence, however—and there are resources that can make it easier, too.

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Topics: Risk Management

Protect Clients' Retirement Assets from Long-Term Care Risk in 3 Steps

Posted by Susan Kobara, CLTC

February 3, 2015 at 10:00 AM

Long-term care planning can be a controversial topic, generating enthusiastic discussion and debate among advisors. Given the increasing length and cost of extended care, however, it's also one of few ways to protect clients' retirement assets from long-term care risk.

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Topics: Risk Management

Meeting Clients’ Risk Management Needs During the Peak Debt Years

Posted by Ethan Young

January 28, 2015 at 1:30 PM

When it comes to planning for retirement and other goals, advisors often hear about taking advantage of a client's "peak earning years." Rarely, however, do you hear about the "peak debt years," which typically arrive in a client's 30s.

At this stage of life, debt combined with dependents creates significant and often unmet risk management needs.The 32-year-old with two kids, a mortgage, student loans, and 529 and 401(k) plans to fund faces a host of obligations contingent on his or her ability to earn an income.

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Topics: Risk Management

Why You Can't Afford to Ignore the Insurance Conversation

Posted by Susan Kobara, CLTC

January 27, 2015 at 10:00 AM

Most advisors have discussions with their clients every day about the state of the markets, their portfolios, or their retirement plans. These usually positive interactions serve to reinforce your value as your clients' trusted financial professional.

But when was the last time you had a positive, satisfying insurance conversation? For that matter, when was the last time you had any conversation about risk management?

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Topics: Risk Management

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