Protecting Portfolios Against Rising Rates: A Holistic Approach

Posted by Peter Essele, CFA, CAIA, CFP

September 20, 2017 at 1:30 PM

With the Federal Reserve poised to raise interest rates for a third time later this year, you've likely spent a lot of time thinking about the best strategies for protecting portfolios against rising rates. 

But have you also spent time assessing interest rate risk? After all, not all bonds are created equal, and you must look beyond the sacred duration measure represented in Morningstar®.

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Topics: Risk Management

The Multi-Pay Linked-Benefit Policy: A Long-Term Care Game Changer?

Posted by Susan Kobara, CLTC

August 29, 2017 at 10:00 AM

I’m getting older. You’re getting older. Your clients are getting older. Such is life! But, perhaps more important from a planning perspective, we are all living longer than previous generations. As such, you may counsel your clients to take various steps, including delaying retirement, deferring social security benefits, withdrawing savings at a lower rate, or considering more retirement-focused products.

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Topics: Risk Management

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

Posted by Susan Kobara, CLTC

May 24, 2017 at 1:30 PM

Should high-net-worth individuals self-insure for long-term care expenses? According to conventional financial planning, the answer could be "yes." Here at Commonwealth, I think the Insurance team 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.

The question, then, is how can you determine if it's the right choice for your clients? To guide you and your clients through this decision-making process, consider the following five steps.

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Topics: Risk Management

10 Long-Term Care Questions to Ask Your Clients

Posted by Susan Kobara, CLTC

May 23, 2017 at 10:00 AM

Talking to your clients about prolonged illness and mortality can be difficult, but you know having these discussions is a necessity. After all, one of your key roles is to ensure that there's a plan in place to protect your clients' retirement savings from potentially costly medical expenses.

Here, I've compiled a list of 10 long-term care questions you can ask to help guide your clients through these challenging conversations.

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Topics: Risk Management

What's the Key to More Effective Long-Term Care Planning?

Posted by Susan Kobara, CLTC

July 12, 2016 at 10:00 AM

Simon Sinek is an author known for popularizing the concept of “Start with Why.” (It’s also the title of his first book.) In short, it’s a way of thinking and communicating that inspires people to take action, such as purchasing a product. Talking only about the how and the what of a product is a recipe for inaction, because without the why, there is no compelling reason to buy.

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Topics: Risk Management

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