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Health savings accounts becoming the new IRAs
Tax advantages lead to investing and the need for financial advice.
Morningstar’s first study of 10 largest HSAs reveals so-so performance
Only one plan was assessed positively as both an investment and a savings vehicle.
DOL fiduciary rule: When advisers actively seek to use BICE
Many advisers are embracing an exemption they've frequently derided, even though a less-contentious one is available for annuity sales.
Retiree health care costs rising faster than Social Security benefits
Allocating a portion of savings in the right accounts can help manage costs.
State insurance regulators look to DOL fiduciary rule as they mull changes to annuity sales standard
The National Association of Insurance Commissioners is taking a fresh look at the suitability standard for annuities and considering making it a best-interests standard.
How much life and disability is enough?
What to consider when helping clients sufficiently insure their most significant asset
Voya re-entering buffer annuity market as product popularity grows
Voya's about-face comes amid heightened regulatory scrutiny as customer complaints about buffer annuities have surfaced.
DOL fiduciary rule pushes indexed annuity carriers to develop new products
Insurers are introducing fixed-rate deferred annuities with income guarantees to circumvent BICE.
Advisers want Congress to increase HSA contribution limits
Congress might double contribution limits separately if health care bill falls apart in Senate, consultant says.
Indexed, variable annuity sales slump as DOL fiduciary rule looms
Uncertainty around the rule may be contributing to tentativeness from advisers and distributors.
Include health savings accounts in fiduciary process
The DOL rule that requires acting in clients' best interests will apply to these accounts.
Finra whacks mid-sized NJ broker-dealer with $325,000 fine over variable annuity sales
Summit Equities sold 1,037 individual variable annuity contracts to its customers during the time period cited by Finra.
Finra issues complaint against broker for unsuitable variable annuity sales
Walter Marino allegedly profited from advising elderly clients to buy new contracts.
Some broker-dealers changing indexed-annuity compensation due to DOL fiduciary rule
Some firms that currently allow advisers to report indexed-annuity sales as outside business are considering bringing it in-house to better monitor their brokers, control risk and potentially take a cut.
Finra arbitration panel awards Wilbanks Securities investor $1 million for misleading sales pitch on variable annuity
Finra arbitrators awarded an investor more than $1 million for what she alleges was a Wilbank Securities Inc.
State insurance commissioners consider strengthening annuity sales rules
DOL fiduciary rule inspires questions about whether annuity transactions' current suitability standard is sufficient.
Retirement plan advisers should bone up on lifetime income
Expect rapid product innovation and growing demand in this area, along with considerable business opportunity
How to define yourself as a life insurance adviser
Distinguishing yourself from life insurance sales people leads to better working relationships and ensures your clients' best interests are served.
‘Retirement Rip-Off Counter’ underscores impact of Department of Labor’s fiduciary rule delay
A counter adding up the $46 million retirement savers are losing daily from a delay of the Department…
Help clients boost returns without increasing risk
If your clients are considering private placement life insurance or private placement variable annuities, here's what you should consider as part of the planning process.
