Here are some potential next steps for the Department of Labor’s case in the Fifth Circuit Court of Appeals. Many questions remain about the fate of the Department of Labor’s Fiduciary Rule following the Fifth Circuit’s opinion vacating the rule on March 15, 2018. Is the rule dead? It’s not so simple. The answer to… Read More

Let’s do a compliance-inspired thought experiment. You met a married couple at a client seminar and have had a couple of follow-up meetings with them. Based on your initial discussions, it appears a fixed index annuity recommendation may be in their best interest, and you’re busy preparing some proposals for them to consider. Their grandkids,… Read More

Have you checked out the new Index Crediting Strategies on Symetra’s Accumulator IUL? Flexibility is a key component in any type of planning, and insurance planning is no exception. That fact alone makes the addition of new index crediting options to an already compelling IUL from Symetra a good thing. When these additions, including an index… Read More

Join North American for an exciting webinar Empowered: Women and retirement Help women embrace increasing responsibility as financial decision-makers As of 2014, 96 percent of women 25 to 70 years old reported being at least partly responsible for making financial decisions in their households1. And it’s estimated that 90 percent of women will be solely… Read More

Last week, digital marketing circles were buzzing about Google’s latest broad core algorithm update. Google has suggested this update has nothing to do with the quality of content, and instead focuses on improving the quality of their Search Engine Result Pages (SERP). The rollout began a couple weeks ago when webmasters started to notice changes… Read More

Update: Delaware Life, Group One Thousand One and a New Look You may recall that in September, Delaware Life Holdings, LLC was renamed Group One Thousand One, LLC. Group One Thousand One, LLC is the direct parent company of Delaware Life Insurance Company and the indirect parent of its subsidiary Delaware Life Insurance Company of… Read More

As reported in The Washington Post, a new study in the Journal of the American Medical Association has found two very alarming things: (1) sudden losses of wealth between people ages 51 and 61 are surprisingly common; and (2) they increase the person’s chance of dying quite substantially, from any cause. Among the people studied by researchers,… Read More

3.6% guaranteed interest rate* for 5 years   CBLA 5 is a NEW Single Premium Multi-Year Guaranteed Rate Annuity that, in addition to the guaranteed 3.6% interest rate, also provides: Monthly Interest Option available after 30 days 10% free withdrawals after the first year An RMD friendly solution A nursing home waiver This is a limited… Read More

The first NYSE® index inside a fixed indexed annuity applies the behavioral finance research of renowned economist Roger Ibbotson. The NYSE® Zebra Edge® Index selects less popular stocks for a greater growth opportunity with less volatility. When combined with the Nationwide New Heights® fixed indexed annuities, clients may benefit from: • 15.81% Index Return in 20171 • 150% Index… Read More

How one advisor went from the daily grind to focusing on relationships with his clients Matt Green, an independent advisor, changed the entire way he does business because of ChangePath, a turnkey asset management platform (TAMP). Matt’s comprehensive practice lost one of its key personnel, but that didn’t stop Matt from having a record year…. Read More