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

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?

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

Meeting Clients’ Risk Management Needs During the Peak Debt Years

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

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

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.

Read More

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.

Read More

Topics: Risk Management

New Call-to-action
The Independent Market Observer, Brad McMillan

Follow Us