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Articles about Financial Planning
- A Fresh Look at Equity Indexed Products
September 2010
There are many scenarios where they may fit well into your client’s financial plan.
- Preserving Your Client’s Human Capital Value
February 2010
Use this concept to help your clients establish a sound financial plan.
- How to Avoid Pending Lawsuits
January 2010
Follow the steps outlined in this article and reduce your chances of being sued.
- Financial Planning Gains Interest
August 2009
Because of the economic uncertainty, clients feel that they need a financial analysis to determine how to get back on track.
- The ARRA and What it Means
June 2009
Find out how the American Recovery and Reinvestment Act of 2009 can impact you and your clients.
- How to Have a Stress-Free Discussion About Fees
May 2008
It?s time to put transparency into the process of discussing fees with your clients. These four tips will put you on the right path.
- The 'Kiddie' Tax Expands
October 2007
Transfers of income-generating investments to children must be reconsidered.
- Common Annuity Planning Mistakes
September 2007
Knowing what they are and how to avoid them will help keep you and your client out of trouble.
- Planning for the Future
March 2007
Your client earns too much to have a Roth IRA? Not for long!
- Working With Today’s Investors
March 2007
Make a difference with your clients by helping them focus on their long-term goals and buttressing their financial plan against the inevitable market dips and drops that the future holds.
- Financial Planning for Military Families
August 2006
As service members find themselves on longer deployments, you can help them find financial security for their families.
- Separately Managed Accounts
April 2006
Use them to manage your client’s portfolio and offer more diversification.
- Taking Care of an Incapacitated Family Member
April 2006
Your clients—and the disabled relative—need sound financial plans.
- Life-Cycle Financial Planning
February 2006
Your client’s career, family life, health and finances often take unexpected turns as he moves from early adulthood to retirement. Help him navigate this sometimes perilous path by developing the right financial plan for each stage of his life.
- The Five-Year Financial Plan
January 2006
Use it to help clients protect their money and achieve their desired lifestyle.
- The Jobs Act and Welfare Benefit Plans
January 2006
The smaller deduction in 419(e) plans may make them more prudent than 419A(f)(6) plans.
- Advise Your Clients About Identity Theft
December 2005
Strengthen your relationship with your clients—and help them guard their money and good credit—with these guidelines.
- Client-Centered Planning Resources
October 2005
You’ve read this month’s cover story; now check out these books and websites to help you get started.
- Completing the Picture With Client-Centered Planning
October 2005
Use these five steps to strengthen and grow your practice beyond just a numbers game.
- Asset Allocation
September 2005
Your clients’ plan should reflect their needs, goals, situation and risk tolerance.
- Stretch IRAs
August 2005
These tools offer your clients powerful planning techniques.
- Net Unrealized Appreciation
June 2005
Gain new business by providing this benefit to your Baby Boomer clients.
- The Benefits of 529 Plans
May 2005
With higher-education costs spiraling upward, 529 plans are a great sell.
- Help Your Client Cope With a Job Loss
May 2005
Sound planning will prevent a bad situation from getting worse.
- May-to-December Clients
May 2005
Husband and wives who are many years apart face unique financial-planning issues and challenges.
- Preparing for the Unexpected
April 2005
Bond laddering is one of the best strategies for the risk-averse investor.
- Plan Now for the
2006 Tax Season
February 2005
- Tips for Investing
February 2005
Frequent communication, strategic thinking and principal-protection products will help your client stay the course.
- The Multibillion-Dollar Pie
January 2005
How big is your slice? It may be time to rethink annuities and how you can successfully incorporate them into your practice.
- How I Became Financially Independent
October 2004
Every advisor can learn from these 16 timeless suggestions.
- Critical Questions for Planning
May 2004
The issues every advisor should cover when drafting a financial plan.
- The Silent Crime
February 2004
Protecting clients from identity theft positions you as a trusted advisor.
- Collateral Assignment Split Dollar
December 2003
IRS rules change how premiums paid by the employer for employees are treated.
- The One-Card System
November 2003
Learn how to use this sales tool to help your clients secure a rosy financial future.
- The ABCs of Managing Money
October 2003
Find out what share is most appropriate for your client’s investment needs.
- Education Planning
September 2003
It makes a big difference who owns the college nest egg—the parents or the student.
- Getting Started
July 2003
Here is what you need to do to move to a comprehensive financial planning process.
- Education Foundations
June 2003
Your wealthy clients can fund a 529 without identifying a beneficiary.
- Holistic Wealth Management
June 2003
These 10 features are what you should look for when selecting a comprehensive wealth-planning system.
- A Road Map to Investment Success
May 2003
Keep your clients on track with their investments by using some old-fashioned techniques combined with innovative tools and technology
- Unlicensed Sharing
April 2003
No matter how you couch it, sharing your commission with an unlicensed advisor can spell trouble.
- Helping Clients Manage Risk
October 2002
Use your financial knowledge to help your clients make the right financial decisions.
- Facts Make Money
September 2002
Learn how to prepare and present a complete list of your client's assets and liabilities.
- Still Worried About the Market?
September 2002
Consider these 12 investments to beat money market and passbook savings rates.
- The More You Know, the Better
August 2002
Detailed knowledge of your client's goals and risk tolerance will help you serve him better.
- Risk Tolerance Revisited
April 2002
Learning what makes your client tick will help prevent losses in his portfolio.
- Understanding the Risk Tolerance Questionnaire
March 2002
A careful analysis of your clients’ responses to this important tool will help you serve them better.
- Risky Business
February 2002
Use a time-tested risk-tolerance questionnaire to educate and advise clients.
- The Value of Advisors
February 2002
Clients need to know the stakes are too high to risk going it alone.
- What’s Your Clients’ Risk Tolerance?
January 2002
Don’t be afraid to prescribe the right medicine.
- What Is Your Risk Tolerance?
November 2001
Asking clients this question
can place them in jeopardy.
- Making Clients’ Money Last
October 2001
Software can help them
project future income.
- I’m Successful. So Why Change?
April 2001
Because if you don’t, you may have trouble catching up later.
- Last Steps in Financial Planning
March 2001
For an advisor, the best reward is seeing clients financially succeed.
- Financial Advising: The Fun Part
February 2001
Creating solutions for your clients’ needs is challenging and fulfilling.
- Taking the Sting Out of an Audit
February 2001
Here's how to get organized when the SEC or NASD or your broker-dealer visits.
- How Do It Know?
January 2001
The investment portfolio won’t keep hot things hot or cold things cold forever.
- In a Divorce, 50 Percent Isn’t the Same as Half
October 2000
Even under the best of
circumstances, it is difficult to make everyone happy.
- Combining NQDC and Split Dollar
August 2000
Understand these two plans and what happens when you put the two together.
- The Balance of Power
July 2000
Financial planning is a process, says one successful Maryland advsior.
- Obsession
July 2000
In a time when anyone can see thousands of dollars’ worth of investments come and go
during a coffee break, advisors frequently have to test their long-term orientations against the client’s urge
to react to sudden trends and events.
- You Can Keep What You Make—Soon
April 2000
Golf is a lot like taxes: you drive hard to get to the green and then wind up in the hole.
- Several Sensible Tenets
April 2000
What has happened to investing for the long term?
- Broader Horizons
February 2000
Investments are a good way to grow your business and strengthen your relationships with your clients.
- 10 Huge Planning Themes
February 2000
What will be the most influential financial planning and money management issues in the years ahead?
Here’s our analysis of the themes to watch, study and use in your practice.
- Two Days in the Stock Market
January 2000
Any advisor can be a hero in an up market, but I’d rather be a hero when the markets were sinking.
- Taxing Prosperity
November 1999
Since both life insurance and annuities incorporate so many tax
advantages for investors and beneficiaries, sponsors of annuities feel their
product deserves similar deference.
- Asset Allocation Thinking and Consulting
August 1999
The Internet and financial magazines and newsletters are bursting with commentary that tells readers to be X percent in stocks, Y in bonds and Z in cash—a premise that suffers from the misconception that all investors are alike.
Retirement Planning
- A Fresh Look at Equity Indexed Products
September 2010
There are many scenarios where they may fit well into your client’s financial plan.
- Preserving Your Client’s Human Capital Value
February 2010
Use this concept to help your clients establish a sound financial plan.
- How to Avoid Pending Lawsuits
January 2010
Follow the steps outlined in this article and reduce your chances of being sued.
- Financial Planning Gains Interest
August 2009
Because of the economic uncertainty, clients feel that they need a financial analysis to determine how to get back on track.
- The ARRA and What it Means
June 2009
Find out how the American Recovery and Reinvestment Act of 2009 can impact you and your clients.
- How to Have a Stress-Free Discussion About Fees
May 2008
It?s time to put transparency into the process of discussing fees with your clients. These four tips will put you on the right path.
- The 'Kiddie' Tax Expands
October 2007
Transfers of income-generating investments to children must be reconsidered.
- Common Annuity Planning Mistakes
September 2007
Knowing what they are and how to avoid them will help keep you and your client out of trouble.
- Planning for the Future
March 2007
Your client earns too much to have a Roth IRA? Not for long!
- Working With Today’s Investors
March 2007
Make a difference with your clients by helping them focus on their long-term goals and buttressing their financial plan against the inevitable market dips and drops that the future holds.
- Financial Planning for Military Families
August 2006
As service members find themselves on longer deployments, you can help them find financial security for their families.
- Separately Managed Accounts
April 2006
Use them to manage your client’s portfolio and offer more diversification.
- Taking Care of an Incapacitated Family Member
April 2006
Your clients—and the disabled relative—need sound financial plans.
- Life-Cycle Financial Planning
February 2006
Your client’s career, family life, health and finances often take unexpected turns as he moves from early adulthood to retirement. Help him navigate this sometimes perilous path by developing the right financial plan for each stage of his life.
- The Five-Year Financial Plan
January 2006
Use it to help clients protect their money and achieve their desired lifestyle.
- The Jobs Act and Welfare Benefit Plans
January 2006
The smaller deduction in 419(e) plans may make them more prudent than 419A(f)(6) plans.
- Advise Your Clients About Identity Theft
December 2005
Strengthen your relationship with your clients—and help them guard their money and good credit—with these guidelines.
- Client-Centered Planning Resources
October 2005
You’ve read this month’s cover story; now check out these books and websites to help you get started.
- Completing the Picture With Client-Centered Planning
October 2005
Use these five steps to strengthen and grow your practice beyond just a numbers game.
- Asset Allocation
September 2005
Your clients’ plan should reflect their needs, goals, situation and risk tolerance.
- Stretch IRAs
August 2005
These tools offer your clients powerful planning techniques.
- Net Unrealized Appreciation
June 2005
Gain new business by providing this benefit to your Baby Boomer clients.
- The Benefits of 529 Plans
May 2005
With higher-education costs spiraling upward, 529 plans are a great sell.
- Help Your Client Cope With a Job Loss
May 2005
Sound planning will prevent a bad situation from getting worse.
- May-to-December Clients
May 2005
Husband and wives who are many years apart face unique financial-planning issues and challenges.
- Preparing for the Unexpected
April 2005
Bond laddering is one of the best strategies for the risk-averse investor.
- Plan Now for the
2006 Tax Season
February 2005
- Tips for Investing
February 2005
Frequent communication, strategic thinking and principal-protection products will help your client stay the course.
- The Multibillion-Dollar Pie
January 2005
How big is your slice? It may be time to rethink annuities and how you can successfully incorporate them into your practice.
- How I Became Financially Independent
October 2004
Every advisor can learn from these 16 timeless suggestions.
- Critical Questions for Planning
May 2004
The issues every advisor should cover when drafting a financial plan.
- The Silent Crime
February 2004
Protecting clients from identity theft positions you as a trusted advisor.
- Collateral Assignment Split Dollar
December 2003
IRS rules change how premiums paid by the employer for employees are treated.
- The One-Card System
November 2003
Learn how to use this sales tool to help your clients secure a rosy financial future.
- The ABCs of Managing Money
October 2003
Find out what share is most appropriate for your client’s investment needs.
- Education Planning
September 2003
It makes a big difference who owns the college nest egg—the parents or the student.
- Getting Started
July 2003
Here is what you need to do to move to a comprehensive financial planning process.
- Education Foundations
June 2003
Your wealthy clients can fund a 529 without identifying a beneficiary.
- Holistic Wealth Management
June 2003
These 10 features are what you should look for when selecting a comprehensive wealth-planning system.
- A Road Map to Investment Success
May 2003
Keep your clients on track with their investments by using some old-fashioned techniques combined with innovative tools and technology
- Unlicensed Sharing
April 2003
No matter how you couch it, sharing your commission with an unlicensed advisor can spell trouble.
- Helping Clients Manage Risk
October 2002
Use your financial knowledge to help your clients make the right financial decisions.
- Facts Make Money
September 2002
Learn how to prepare and present a complete list of your client's assets and liabilities.
- Still Worried About the Market?
September 2002
Consider these 12 investments to beat money market and passbook savings rates.
- The More You Know, the Better
August 2002
Detailed knowledge of your client's goals and risk tolerance will help you serve him better.
- Risk Tolerance Revisited
April 2002
Learning what makes your client tick will help prevent losses in his portfolio.
- Understanding the Risk Tolerance Questionnaire
March 2002
A careful analysis of your clients’ responses to this important tool will help you serve them better.
- Risky Business
February 2002
Use a time-tested risk-tolerance questionnaire to educate and advise clients.
- The Value of Advisors
February 2002
Clients need to know the stakes are too high to risk going it alone.
- What’s Your Clients’ Risk Tolerance?
January 2002
Don’t be afraid to prescribe the right medicine.
- What Is Your Risk Tolerance?
November 2001
Asking clients this question
can place them in jeopardy.
- Making Clients’ Money Last
October 2001
Software can help them
project future income.
- I’m Successful. So Why Change?
April 2001
Because if you don’t, you may have trouble catching up later.
- Last Steps in Financial Planning
March 2001
For an advisor, the best reward is seeing clients financially succeed.
- Financial Advising: The Fun Part
February 2001
Creating solutions for your clients’ needs is challenging and fulfilling.
- Taking the Sting Out of an Audit
February 2001
Here's how to get organized when the SEC or NASD or your broker-dealer visits.
- How Do It Know?
January 2001
The investment portfolio won’t keep hot things hot or cold things cold forever.
- In a Divorce, 50 Percent Isn’t the Same as Half
October 2000
Even under the best of
circumstances, it is difficult to make everyone happy.
- Combining NQDC and Split Dollar
August 2000
Understand these two plans and what happens when you put the two together.
- The Balance of Power
July 2000
Financial planning is a process, says one successful Maryland advsior.
- Obsession
July 2000
In a time when anyone can see thousands of dollars’ worth of investments come and go
during a coffee break, advisors frequently have to test their long-term orientations against the client’s urge
to react to sudden trends and events.
- You Can Keep What You Make—Soon
April 2000
Golf is a lot like taxes: you drive hard to get to the green and then wind up in the hole.
- Several Sensible Tenets
April 2000
What has happened to investing for the long term?
- Broader Horizons
February 2000
Investments are a good way to grow your business and strengthen your relationships with your clients.
- 10 Huge Planning Themes
February 2000
What will be the most influential financial planning and money management issues in the years ahead?
Here’s our analysis of the themes to watch, study and use in your practice.
- Two Days in the Stock Market
January 2000
Any advisor can be a hero in an up market, but I’d rather be a hero when the markets were sinking.
- Taxing Prosperity
November 1999
Since both life insurance and annuities incorporate so many tax
advantages for investors and beneficiaries, sponsors of annuities feel their
product deserves similar deference.
- Asset Allocation Thinking and Consulting
August 1999
The Internet and financial magazines and newsletters are bursting with commentary that tells readers to be X percent in stocks, Y in bonds and Z in cash—a premise that suffers from the misconception that all investors are alike.
Estate Planning
- A Fresh Look at Equity Indexed Products
September 2010
There are many scenarios where they may fit well into your client’s financial plan.
- Preserving Your Client’s Human Capital Value
February 2010
Use this concept to help your clients establish a sound financial plan.
- How to Avoid Pending Lawsuits
January 2010
Follow the steps outlined in this article and reduce your chances of being sued.
- Financial Planning Gains Interest
August 2009
Because of the economic uncertainty, clients feel that they need a financial analysis to determine how to get back on track.
- The ARRA and What it Means
June 2009
Find out how the American Recovery and Reinvestment Act of 2009 can impact you and your clients.
- How to Have a Stress-Free Discussion About Fees
May 2008
It?s time to put transparency into the process of discussing fees with your clients. These four tips will put you on the right path.
- The 'Kiddie' Tax Expands
October 2007
Transfers of income-generating investments to children must be reconsidered.
- Common Annuity Planning Mistakes
September 2007
Knowing what they are and how to avoid them will help keep you and your client out of trouble.
- Planning for the Future
March 2007
Your client earns too much to have a Roth IRA? Not for long!
- Working With Today’s Investors
March 2007
Make a difference with your clients by helping them focus on their long-term goals and buttressing their financial plan against the inevitable market dips and drops that the future holds.
- Financial Planning for Military Families
August 2006
As service members find themselves on longer deployments, you can help them find financial security for their families.
- Separately Managed Accounts
April 2006
Use them to manage your client’s portfolio and offer more diversification.
- Taking Care of an Incapacitated Family Member
April 2006
Your clients—and the disabled relative—need sound financial plans.
- Life-Cycle Financial Planning
February 2006
Your client’s career, family life, health and finances often take unexpected turns as he moves from early adulthood to retirement. Help him navigate this sometimes perilous path by developing the right financial plan for each stage of his life.
- The Five-Year Financial Plan
January 2006
Use it to help clients protect their money and achieve their desired lifestyle.
- The Jobs Act and Welfare Benefit Plans
January 2006
The smaller deduction in 419(e) plans may make them more prudent than 419A(f)(6) plans.
- Advise Your Clients About Identity Theft
December 2005
Strengthen your relationship with your clients—and help them guard their money and good credit—with these guidelines.
- Client-Centered Planning Resources
October 2005
You’ve read this month’s cover story; now check out these books and websites to help you get started.
- Completing the Picture With Client-Centered Planning
October 2005
Use these five steps to strengthen and grow your practice beyond just a numbers game.
- Asset Allocation
September 2005
Your clients’ plan should reflect their needs, goals, situation and risk tolerance.
- Stretch IRAs
August 2005
These tools offer your clients powerful planning techniques.
- Net Unrealized Appreciation
June 2005
Gain new business by providing this benefit to your Baby Boomer clients.
- The Benefits of 529 Plans
May 2005
With higher-education costs spiraling upward, 529 plans are a great sell.
- Help Your Client Cope With a Job Loss
May 2005
Sound planning will prevent a bad situation from getting worse.
- May-to-December Clients
May 2005
Husband and wives who are many years apart face unique financial-planning issues and challenges.
- Preparing for the Unexpected
April 2005
Bond laddering is one of the best strategies for the risk-averse investor.
- Plan Now for the
2006 Tax Season
February 2005
- Tips for Investing
February 2005
Frequent communication, strategic thinking and principal-protection products will help your client stay the course.
- The Multibillion-Dollar Pie
January 2005
How big is your slice? It may be time to rethink annuities and how you can successfully incorporate them into your practice.
- How I Became Financially Independent
October 2004
Every advisor can learn from these 16 timeless suggestions.
- Critical Questions for Planning
May 2004
The issues every advisor should cover when drafting a financial plan.
- The Silent Crime
February 2004
Protecting clients from identity theft positions you as a trusted advisor.
- Collateral Assignment Split Dollar
December 2003
IRS rules change how premiums paid by the employer for employees are treated.
- The One-Card System
November 2003
Learn how to use this sales tool to help your clients secure a rosy financial future.
- The ABCs of Managing Money
October 2003
Find out what share is most appropriate for your client’s investment needs.
- Education Planning
September 2003
It makes a big difference who owns the college nest egg—the parents or the student.
- Getting Started
July 2003
Here is what you need to do to move to a comprehensive financial planning process.
- Education Foundations
June 2003
Your wealthy clients can fund a 529 without identifying a beneficiary.
- Holistic Wealth Management
June 2003
These 10 features are what you should look for when selecting a comprehensive wealth-planning system.
- A Road Map to Investment Success
May 2003
Keep your clients on track with their investments by using some old-fashioned techniques combined with innovative tools and technology
- Unlicensed Sharing
April 2003
No matter how you couch it, sharing your commission with an unlicensed advisor can spell trouble.
- Helping Clients Manage Risk
October 2002
Use your financial knowledge to help your clients make the right financial decisions.
- Facts Make Money
September 2002
Learn how to prepare and present a complete list of your client's assets and liabilities.
- Still Worried About the Market?
September 2002
Consider these 12 investments to beat money market and passbook savings rates.
- The More You Know, the Better
August 2002
Detailed knowledge of your client's goals and risk tolerance will help you serve him better.
- Risk Tolerance Revisited
April 2002
Learning what makes your client tick will help prevent losses in his portfolio.
- Understanding the Risk Tolerance Questionnaire
March 2002
A careful analysis of your clients’ responses to this important tool will help you serve them better.
- Risky Business
February 2002
Use a time-tested risk-tolerance questionnaire to educate and advise clients.
- The Value of Advisors
February 2002
Clients need to know the stakes are too high to risk going it alone.
- What’s Your Clients’ Risk Tolerance?
January 2002
Don’t be afraid to prescribe the right medicine.
- What Is Your Risk Tolerance?
November 2001
Asking clients this question
can place them in jeopardy.
- Making Clients’ Money Last
October 2001
Software can help them
project future income.
- I’m Successful. So Why Change?
April 2001
Because if you don’t, you may have trouble catching up later.
- Last Steps in Financial Planning
March 2001
For an advisor, the best reward is seeing clients financially succeed.
- Financial Advising: The Fun Part
February 2001
Creating solutions for your clients’ needs is challenging and fulfilling.
- Taking the Sting Out of an Audit
February 2001
Here's how to get organized when the SEC or NASD or your broker-dealer visits.
- How Do It Know?
January 2001
The investment portfolio won’t keep hot things hot or cold things cold forever.
- In a Divorce, 50 Percent Isn’t the Same as Half
October 2000
Even under the best of
circumstances, it is difficult to make everyone happy.
- Combining NQDC and Split Dollar
August 2000
Understand these two plans and what happens when you put the two together.
- The Balance of Power
July 2000
Financial planning is a process, says one successful Maryland advsior.
- Obsession
July 2000
In a time when anyone can see thousands of dollars’ worth of investments come and go
during a coffee break, advisors frequently have to test their long-term orientations against the client’s urge
to react to sudden trends and events.
- You Can Keep What You Make—Soon
April 2000
Golf is a lot like taxes: you drive hard to get to the green and then wind up in the hole.
- Several Sensible Tenets
April 2000
What has happened to investing for the long term?
- Broader Horizons
February 2000
Investments are a good way to grow your business and strengthen your relationships with your clients.
- 10 Huge Planning Themes
February 2000
What will be the most influential financial planning and money management issues in the years ahead?
Here’s our analysis of the themes to watch, study and use in your practice.
- Two Days in the Stock Market
January 2000
Any advisor can be a hero in an up market, but I’d rather be a hero when the markets were sinking.
- Taxing Prosperity
November 1999
Since both life insurance and annuities incorporate so many tax
advantages for investors and beneficiaries, sponsors of annuities feel their
product deserves similar deference.
- Asset Allocation Thinking and Consulting
August 1999
The Internet and financial magazines and newsletters are bursting with commentary that tells readers to be X percent in stocks, Y in bonds and Z in cash—a premise that suffers from the misconception that all investors are alike.
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