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Retirees expected to slow Canada’s economic growth in coming years

Here is the issue. Financial gurus are finding it important to weigh in on whether the Dow hitting 14, and the Baltimore Ravens winning the Super Bowl are […]. One of the most consequential decisions any investment or insurance professional will ever make is the choice of which companies to align themselves with for the distribution of product, marketing initiatives and client service support.

The Securities and Exchange Commission today charged a husband and wife who raised millions of dollars selling investments for a purported charitable organization in Tallahassee, Fla. Compliance concerns continue to keep most financial planners from using social networks such as LinkedIn, Twitter and Facebook for professional purposes.

Allianz Life ranked number […]. The deal will be funded by a public cash tender offer for the outstanding shares of Provida and Spanish lender Banco Bilbao Vizcaya Argentia will transfer Probably the most crucial part of any sales process is getting your seminar attendees to commit to coming to your office.

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Here are a few things I have […]. Never forget rule No.

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The oldest living person on record lived to be ! In , Fersko-Weiss began holding INELDA-sponsored doula trainings across the country, an effort that has since inspired many trainees to launch their own private practices, he says. As the biggest demographic wave in Canada's history reaches retirement age, the province of Nova Scotia believes it knows how to weather the looming economic storm: Ten months after breaking ground on a project intended to attract baby boomers and others looking for a different environment in which to age, nonprofit BHI Senior Living has sold all 30 duplexes in an expansion of its Hoosier Village continuing care retirement community in Indianapolis, and the first residents are moving in. Bowers November 27, Click here to read more….

There are qualified accounts like IRAs, Ks, and non-qualified. There are stocks, bonds, mutual funds, annuities, and cash value life insurance just to name a […]. Is it worth paying a fee for income predictability and reliability?

In the final installment of this three-part series, I share a story I use to position income riders to my clients. As we head into the conclusion of this series, I want to share with you a metaphor that I use when positioning […]. We spoke with senior clients recently to find out if their advisor is fee- or commission-based and what they thought about how their financial professional is compensated. Following are highlights from those conversations. Insurance agents and brokers are awaiting with bated breath a revised proposal from the Department of Labor DOL that would establish new rules for sale of investment products to beneficiaries of company-sponsored retirement plans and IRAs.

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The industry universally fears that such a regulation, if finalized, would eliminate commissions as a source of broker-dealer compensation […]. The report was produced by Unmetric, a social media benchmarking company. According to a quick online poll by the Insurance Journal Academy of Insurance, 62 percent of insurance professionals pick the San […]. There are more than 67, financial advisors with the Certified Financial Planners CFPs designation, accounting for more than 20 percent of the total industry headcount.

In choosing Mary Jo White as his nominee to head the Securities and Exchange Commission, President Barack Obama has picked someone with a rare background for the position. There is no perfect career path for the role of chairman of the SEC. The chairmen appointed by the four most recent presidents had varied backgrounds, and […]. After having spent 20 of my 33 years on the investment side, I continue to be amazed at how FMO consultants use a one-dimensional head fake to try and help advisors capture maximum index returns through correct product […].

A new report from the Insured Retirement Institute echoes the sentiment that using guaranteed lifetime income options as […]. How many Gen X and Gen Y consumers are saving for retirement? Less than half […]. Are you having trouble collaborating with your young producer? And statistics prove it: The track record for bringing successful salespeople into the independent […].

The main trade group representing independent-contractor broker-dealers will soon go public with its concerns over a Financial Industry Regulatory Authority Inc. While the Financial Services Institute Inc. The study found that the most productive advisors use one or more of these four strategies: Teaming regularly partnering with other advisors for specialized needs: The percentage of advisors teaming with others has increased eight percentage points since When do most advisors start talking with clients about income annuities? Quick, grab a pencil and jot your answer.

Financial advisors may have breathed a sigh of relief after lawmakers reached a deal to avoid the fiscal cliff, but the next several weeks will bring more debate, and potentially more turmoil, over big-ticket budget items that could dramatically alter the strategies you recommend to clients. Andy Friedman, principal at the policy-analysis shop the […].

Carrier investment returns are down. Crediting rates for clients have fallen. Americans are bombarded with potential risks to their well being and, for the most part it sinks in. Smoking cigarettes has dropped to record-low levels, it is no longer considered trendy not to wear your seat belt and exercising and striving to eat healthily has become a voguish staple of modern society.

There are however, […]. Interest rates — both in the U. Life insurers have, for the most part, been able to insulate themselves from […]. Following are some of the ways that permanent life insurance will play an important role under the new tax laws. The American Taxpayer Relief Act of permanently increases the top income tax rate from 35 percent to Best has affirmed the ICR of […]. Available today in 44 states, the newest FIA to the Allianz […]. NEW YORK — Economists are increasingly, but still cautiously, optimistic about growth in the year ahead with the hiring expected to pick up in coming months.

Financial adviser Rick Kahler was perplexed by a young female client who seemed to have a passion for starting small businesses that went beyond what might be considered merely entrepreneurial. In one of their early meetings at his Rapid City, S. In a regulatory notice filed in the Jan. Although management and executive roles are the most difficult to fill, only one in five senior management positions are held by women, according to a survey by ManpowerGroup, a provider of work force solutions. To improve this situation, ManpowerGroup recommends that companies offer greater flexibility in an effort to empower women leaders.

This is important […]. Thanks to efforts put forth by the industry and its dedicated professionals, not to mention the stark retirement reality underpinned by a mistrust of the stock market, annuity products are garnering more investor attention almost every day. Yet despite industry-wide attempts to educate consumers on the appropriate use and benefits of annuity products in a […]. The buyers are finding discounts as skittish carriers back away from costly hedging amid low interest rates and struggle […]. Fifty-eight percent of financial advisors use social networking as part of their business, according to a survey by Phoenix Marketing International of Rhinebeck, N.

With off and running, we at the Insured Retirement Institute IRI have compiled a comprehensive outlook for the insured retirement industry covering all aspects of the business — from public policy to product changes to the financial health of the industry itself. IRI forecasts that many of the trends and dynamics that marked […]. In December, the U. The index, which is released monthly, is based on the number of […].

Retirees expected to slow Canada’s economic growth in coming years

Enactment of the American Taxpayer Relief Act, legislation signed by President Obama on January 2 to avert the fiscal cliff, drew fire aplenty for supposed shortcomings from commentators on both the left and right of the political spectrum. But for insurance and financial service professionals, the new law has one indisputable plus in its favor: A young man wrote an article recently with advice that fits well here today: Baby Boomers, forget about retirement. OK, that may be an exaggeration, but not by much. We have not saved enough money.

Victoria Peterson

And worse, many of us will still be up to our eyeballs in debt when we do retire. According to the U. Census Bureau, 98 percent of businesses in the U. How are you showing up? Before you do anything with a client or a prospect, ask yourself the question: What would the best advisor do in this situation?

Most of us know how to meet prospective clients, talk to them and have them retain us. For Boodram, who has certifications in sex ed counseling and clinical sexology, YouTube is just a fraction of the job description: At a time when only 24 states and Washington, D. Ethan Brown set a world record last year. His headline-stealing veggie burger — so realistic it actually bleeds — was the first plant-based product to be sold behind the meat counter in a supermarket.

The honor came from a Whole Foods in Boulder, Colo. Today, more than Whole Foods locations stock the plant-based patty, often right alongside their flesh-filled offerings. The deal was a huge personal accomplishment for Brown — landing a veggie burger in the meat case has topped his list of goals since he founded his company, Beyond Meat, in But the implications are profound. Research shows that livestock is one of the worst contributors to greenhouse gases; a convincing replacement gives scientists a fighting chance at curbing climate change.

Since then, the product has made its way onto the menu of three high-end restaurants in California, and its creator, Stanford biochemist Patrick Brown, has announced plans to make it mainstream. Both the Beyond and Impossible burgers debuted to critical acclaim. Brown, for his part, is currently working on a top-secret product he says will blow the Beyond Burger out of the water. White and his wife, the scholar Chiara Ricciardone, are the change makers behind Boutique Activist Consultancy , a firm that specializes in helping fledgling social movements get off the ground.

For White, this business model is more partnership than prototype. White, a co-founder of Occupy Wall Street, advocates for a community-oriented approach that moves beyond marching, shouting and sign-waving. He believes in pursuing change through the political system, from ousting corrupt politicians to giving residents a voice in local government through small neighborhood organizations, like the one he founded in Nehalem, Ore. Billions of dollars are spent on cybersecurity initiatives every year. And the dramatic greying of their citizenry could spell trouble for Maritime economies.

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Data released this week by the Conference Board of Canada projects that the exodus of retirees from the workforce will slow Canada's economic growth to an annualized rate of 1. That compares to a rate averaging 2.

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But Nova Scotia isn't waiting for the "demographic tsunami" to hit. Provincial statistics suggest seniors are increasingly opting to delay retirement: Why don't you ask me what I don't like about it? I'd like to die in my home. One of the biggest obstacles to retaining older workers is the attitude of companies, says D'Entremont. For some seniors, part-time work is a way to keep busy. She also bakes many of the restaurant's desserts.