A Guide to Identifying Emerging Risks and Taking Action

Posted by Rachel Sonia

October 9, 2018 at 10:00 AM

Predicting the weather has come a long way—meteorologists no longer examine the clouds to determine the forecast. But they still can’t accurately predict the path of a hurricane. Does that mean watching the Weather Channel is useless? Of course not. We take steps to mitigate the effects of hurricanes by signing up for warning alerts and purchasing flood insurance.

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Topics: Risk Management

What’s the Right Risk Management Strategy for Each Generation?

Posted by Michele Innis

April 25, 2018 at 1:30 PM

Every generation of people has different financial and risk management needs, and those needs evolve over time. There is no one product that fits all clients at all stages of life—that’s where you come in. Helping your clients identify key concerns at various milestones is a great way to start a conversation about their present and future circumstances. Talking to clients about life insurance is particularly important, as they may not be aware of gaps in their financial plan, and insurance can be a powerful risk management strategy to fill in those gaps.

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Topics: Risk Management

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

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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