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Morgan Stanley and adviser win lawsuit over annuity distribution

January 8, 2018

Morgan Stanley has prevailed in a lawsuit alleging the company and one of its advisers acted negligently when it told clients to take a particular type of annuity distribution, which cost the clients nearly $300,000 in tax liabilities. While...

Growth of HSAs opens new market for financial advisers

January 8, 2018

The increasing popularity of health savings accounts is creating a new avenue for financial advisers to add value, while also adding assets under management. Health savings accounts hold nearly $45 billion​ nationwide, having grown from less...

January surprise of vanishing Social Security COLA

January 5, 2018

Now that it's January, financial advisers should prepare themselves for an onslaught of questions from clients asking why their monthly Social Security check stayed the same or even declined this month. After all, weren't Social Security benefits...

Trump's social-media saber rattling spawns fresh look at 'apocalypse insurance'

January 5, 2018

As uneasy scenarios go, there is nothing quite like watching a U.S. president engage in a social media squabble with the leader of North Korea over which country has the readiest access to launch nuclear bombs. But does such an early January...

Tax bill may change your clients' health-care costs

December 29, 2017

The newly signed Tax Cuts and Jobs Act will affect how much your clients pay out of pocket on health care, in several ways. The effects will be both short term and medium term: • The "Individual Mandate" will be eliminated by Jan. 1, 2019....

Clients need help filing Social Security disability claims

December 27, 2017

When financial advisers discuss Social Security benefits, it is usually in the context of counseling clients when to claim retirement benefits and the impact of that decision on the amount of survivor benefits for the remaining spouse. But one...

New York State proposes 'best interest' standard for life insurance and annuities

December 27, 2017

New York State's top financial watchdog proposed regulations that would require sellers of life insurance and annuities to act in the best interest of clients, raising standards even as the U.S. government delays its fiduciary rule. Products...

Longevity is the best reason to invest in LTC

December 21, 2017

A majority of the population is going to need long-term care someday. It's seldom easy, however, to convince clients that they should protect themselves with LTC insurance just when they're enjoying a healthy middle age, with more immediate...

Advisers fear private equity's reach into VAs

December 20, 2017

Editor's note: This story has been updated with information about the sale of Voya Financial's annuity business. Financial advisers have expressed alarm over recent reports of insurers looking to offload large blocks of variable annuities to...

New York, Massachusetts eye MetLife's unpaid pensions

December 19, 2017

The New York Department of Financial Services, which regulates insurers and banks in the state, and Massachusetts Secretary of the Commonwealth William Galvin, that state's top securities regulator, are investigating MetLife Inc. over its failure...

Complexity of new indexed annuities causing concern

December 14, 2017

The way indexed annuities have evolved has led to concern from some corners of the insurance market, with some critics saying insurers have developed increasingly complex products in hopes of standing out in a competitive market. Indexed annuities...

Critics say regulation hasn't curbed overly rosy projections for indexed universal life insurance

December 13, 2017

A regulation governing indexed universal life insurance policies has had a fairly limited effect, leading some observers to question whether the regulation went far enough and if more stringent rules are necessary. The rule, Actuarial Guideline...

Finra report hints at trouble with L-share variable annuities

December 8, 2017

Variable annuities sold in an L share continue to turn up as products plaguing broker-dealers and their compliance departments. Finra, in a recent report detailing its examination findings, called out "multi-share class and complex products"...

Next Financial whacked (once again) by Finra

December 7, 2017

Next Financial Group Inc. is back in hot water with regulators and agreed on Tuesday to pay a $750,000 fine to Finra as part of settlement for a variety of violations, including the failure to catch a broker's excessive trading and poor supervision...

States may strengthen rules for selling annuities

November 30, 2017

State insurance commissioners this weekend will consider a draft proposal to strengthen the rules for selling annuities, an effort to put the marketing of the products more in line with the trend toward heightened investment advice standards....

State of the long-term care insurance industry

November 30, 2017

Everyone, it seems, has a caregiving story. That's because the challenges of growing older affect us all. As a son and husband, I experienced this firsthand caring for my own family. My wife is now confronting the challenges of caring for her...

Have annuity sales bottomed out?

November 29, 2017

Annuity sales have fallen to their lowest point in well over a decade, but industry experts believe a turnaround is at hand. Sales among all annuity products in the third quarter were $46.8 billion, the first time since 2002 that quarterly sales...

Trump boosts tax plan with Obamacare assist

November 28, 2017

President Donald J. Trump told Republican senators on Tuesday he supports an Obamacare market stabilization bill offered by Republican Lamar Alexander and Democrat Patty Murray, which may help bolster support for the tax-cut legislation headed...

Filial laws put kids on the hook for parents' health-care costs

November 22, 2017

State laws known as filial responsibility laws have the potential to stick unwitting family members with relatives' hefty long-term-care costs. One of the best-known examples comes from a court case in Pennsylvania, in which a man was ordered...

HSAs next cash cow for 401(k) plan advisers: expert

November 16, 2017

Financial advisers who manage a company's retirement plan should try to fill the same role for the firm's health savings accounts — a move that would position them to take part in one of the fastest growing areas of wealth management, an expert...

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