The Insurance & Annuities Channel

Optionality: Why We Use Derivatives to Manage Risk

In the first of a three-part series on getting returns in today’s bull market while protecting against the downside—running with the bulls without getting trampled, as we like to say—Global CIO Jeff Hussey explains why using put and call options may help.

Health Savings Accounts: The Intersection of Retirement and Health Care

The increasing costs of health insurance borne by employees and employers alike has spawned a variety of plans and strategies to help manage the expenses. Among these are health savings accounts (HSAs), which first came onto the scene in 2003.

How a High School Football Coach Landed NFL, MLB and NBA Clients

Professional athletes are among the most coveted clients for advisors – and present unique financial challenges that those athletes are typically ill-equipped to handle themselves. Paul Franklin leveraged his role as a high-school football coach to pursue a career serving those clients.

Retirement Strategies in Pictures

Advisors providing retirement recommendations will find it helpful to use a graphical approach to show the year-by-year progression of funds available during retirement.

Commodities Are Flashing a Once-in-a-Generation Buy Signal

The investment case for commodities, gold and energy is more compelling than at any other time in recent memory.

Market Outlook: Don't Forget Your Umbrella!

Market volatility does exist! After a year of all-time low volatility and booming stock and bond markets, investors received a wake-up call in February when equity indexes around the globe sold off by as much as 10% in a matter of days.

Managing Volatility in Short‑term Markets: The Global Liquidity Ladder

In a storm, you want to be able to reach higher ground. Recent market volatility – sparked by concerns over interest rates, inflation, global trade, the tech sector and more – has many investors shifting toward more defensive portfolio positions.

Conference Board Leading Economic Index: Slight Increase in March

The latest Conference Board Leading Economic Index (LEI) for March increased to 109.0 from 108.7 in February. The Coincident Economic Index (CEI) came in at 103.4, up from the previous month.

Weekly Unemployment Claims: Down 1K, Slightly Worse Than Forecast

This morning's seasonally adjusted 232K new claims, down 1K from the previous week's figure, was slightly above the forecast of 230K. From the release: "The claims taking procedures in Puerto Rico and in the Virgin Islands have still not returned to normal."

Planning for a Successful Transition to a New Firm

You have undoubtedly heard stories about brokers changing firms who experienced everything from a minor disruption in revenue to an all-out career catastrophe. While you cannot anticipate every event, there is one thing you can do: Plan your work, and work your plan.

Cryptocurrencies: It’s just Candy Crush

If the only difference between playing for digital coins in mobile games and mining for cryptocurrencies is the ability to openly trade the coins for goods and services, one should wonder if the crypto frenzy is worth the hype and speculation. We think not.

The Big Four Economic Indicators: Industrial Production Up 0.5% in March

Today's report on Industrial Production for March shows a 0.5% increase month-over-month, which was better than the consensus of 0.3%. The year-over-year change is 4.33%, down fractionally from last month's YoY increase.

The Future of the FPA, the CFP Board and the Organizations that Run the Planning Profession

Last month, I asked readers of Advisor Perspectives to help me think through some complicated issues regarding the future of the profession. Should the professional associations (like the FPA and NAPFA) consolidate in order to create more scale and unity, or should we maintain a healthy competition between them? Today we look at the responses I received.

Five Tips for Clients on the New Tax Law

The Tax Cuts and Jobs Act as created a media frenzy and widespread confusion. With that in mind, I will provide a brief overview of the new provisions, followed by some practical ideas on how clients can reduce taxes.

U.S. CPI Inflation: Two Trends to Watch

The acceleration in U.S. core Consumer Price Index (CPI) inflation in March was in line with expectations, and likely a welcome development for Federal Reserve officials after a surprising string of soft inflation prints last year.