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About that New DOL ESG Rule…

Can you, or can’t you? The state of the regulations on ESG for ERISA-related and public fund fiduciaries is anything but clear. Here’s a roundup of the current activity.

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Canada’s Pension Model Gains More Than Attention

The Canadian pension model is continuing to attract attention as word of its superior returns spreads. Are US pension funds ready to follow suit? Advisors working with institutions may want to review the Canadian model to be prepared for client questions.

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Client Conversations: Explaining Direct Indexing

With major changes to direct indexing recently, clients may be asking you about this approach. Here are four main points clients should know about this approach.

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Risk Management Review: Risk Transfer Review

Financial advisors are used to keeping an eye out for risk, managing options, and avoiding potential areas for their clients. So, managing their own firms’ risk may get less attention. A new report from Deloitte on the future of risk made us ask what can be done beyond our standard risk management approaches?

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Dear GenZ, Maximalism Won’t Save Your Mental Health But It Will Kill Your Retirement Goals

GenZ, those aged 13 to 26, have a major consumer debt crisis clouding their future. Advisors may need to dig deep into the causes to be prepared to help this generation get back on track for retirement saving.

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Bonds, no wait, Bank Failures, no wait, Stock Market Performance: Investor Uncertainty in Financially Critical Times

What to say in uncertain times when the times keep on rolling. The bank failure and receivership crisis and investor uncertainty may bring up bigger questions about risk tolerance and risk capacity.

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Leave Your Worries Behind Bringing Back Your Leave-Behinds

People like paper. And luxury brands are providing them with print marketing. Here’s why you should consider your leave-behind marketing materials and the relationship building opportunities they bring.

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Cybersecurity Inside and Out

Cybersecurity continues to be a going source of concern and cost for businesses. New thoughts on how to prevent internal cybersecurity issues can be combined with the EBSA’s best practices to help advisors increase their systems.

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After the After the Pandemic- Returning to Basics.

The key to calm successful clients may be a return to basics. While the familiar may seem simple, that doesn’t mean it’s without merit. Portfolio review, rebalancing, education, and life insurance should be top of list as the economy continues to meander.

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Will Micro-Equity Stretch Your Client’s Investment Plan and Waistline?

New alternative investments are always worth watching. They show changes in technology, how people feel about asset classes, or their level of insecurity about volatility in the stock market. A new move on micro-equity, or crowdsourced fundraising highlights all of those themes. This time with cake.

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FINRA As Mean Girl or Consumer Superhero? Harbingers of Increased Enforcement Action

Publishing which brokerage firms now have a restricted label maybe more than public shaming rulebreakers, it may be a sign that increased enforcement to protect consumers is coming both from FINRA and from the SEC. A few other harbingers are hiding the two agencies’ public notices.

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Should We Reschedule? The Recession and the Great Wealth Transfer for Women

Several major trends may be colliding for women in investing. Three that may have the most impact are a potential recession, the Great Wealth Transfer, and the rebalancing after the she-cession. Advisors may want to engage in a careful consideration of these trends, how they interact, and what it means for asset building for women.

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Secure Act 2.0: Clients Want to Know…

Act 2.0 is full of provisions that will benefit clients of all sizes. But what we focus on and what clients care about may be different. Here are three areas that may drive client conversations over the next few months.

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New Aspect of Annuities Your Clients Will Want to Discuss

Sales of annuities are breaking records, and yet, many advisors shy away from them. Sales in 2022 topped $80.7 billion in the summer. That’s not too shabby for an asset class that causes confusion among many.

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A Round Up of Advisor Articles and A Few Predictions

For the last four or five years, every article seeking to review the past year’s events has summed up the previous twelve months as “a lot.” After so much unpredictability and turmoil in the markets, reading those future planning articles may seem less than fruitful. Yet, we still think it is important to take stock of what has happened in 2022 and look at what we think might be coming in 2023.

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Advisors to the Rescue – New Determination Letter Regulations May Help Ease the Pain of Taking on 403(b) Clients

Recently, the IRS stated that it will consider accepting determination letters from retirement plan sponsors of 403(b) plans starting in 2023. This relatively simple announcement could be good news for plan sponsors who run more than one type of plan and better news for financial advisors looking for new clients.

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You Take the Good, You Take the Bad, You Take them Both and There You Have the FTX

The FTX crisis may be a well-timed learning opportunity for investors seeking confidence in the markets. Read on for how financial advisors can use some of the behind-the-scenes troubles at FTX as an example of the kind of information the SEC’s on-going efforts towards making information more easily accessible to investors.

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Presenting Passive Investing with a Side of Trend Analysis

How can advisors help clients understand index funds and their place in an investment strategy? It’s all in the presentation.

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Projections and Statistics? How to Stay Up to Date

Projections for retirement and investment prospects for the last few years have been less than accurate. Aside from relying on professional groups and advisory sources like BCG, where can advisors turn to for reliable studies on investor trends and retirement data?

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Re-Think “Real Estate” Investing

Most renters complaining that their housing payments have increased considerably over the last two years, traditional alternative investments in rental properties may seem like a limited option. Can your clients use the increased mortgage rate (possibility of further increases) to their advantage? The answer may be in changing how your clients think about real estate.

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Advisors as Independent Contractors – Will the Gig Be Up?

The Department of Labor recently announced a major shift intended to assist so-called “Gig Workers” that may result in significant changes for financial advisors. Here is a brief summary of how we got here and where we may go.

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Don’t Walk Like a Duck: 3 Steps Advisors Can Take to Not Sound Like a Scam

With recession a looming possibility, there may be more fraudsters contacting the very people in your prospect pipeline. What may be worse is that fraudulent schemes have evolved to sound more like legitimate businesses. With the scammers stealing marketing methods from legitimate advisors, how can you make sure your marketing pieces don’t get confused with more nefarious folks?

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Unretirement: Boomerang Retirees

Amidst all the talk about quiet quitting, quiet managing, and the Great Resignation, another trend may be brewing: the retirement boomerang. Retirees who don't plan for their retirement income properly may boomerang back into the workforce. Advisors can help prevent this by working on education ahead of a planned retirement date.

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Worried About Market Volatility? Take a P.A.U.S.E.

It may seem like there is a lot of news about the stock market being volatile. If that’s got you concerned, here is an easy way to consider how you perceive the stock market and its fluctuations. Try taking a pause. Here are five things to remember about volatility that can help you position yourself appropriately and reduce your concerns.

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Recessions and Retirement Age: New Research Shows Different Trend

Studies show that Americans retirement age is changing. What’s behind that latest trend? Those details show unsurprising results, like longevity and better health. But they also show interesting details financial advisors may want to watch.

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Authors

Beau Adams
Executive Vice President, BCG
John Correll
Client Relations Team Leader
Kevin Bonner
Regional Retirement Sales Director
Nina Wilkinson
Client Relations Manager
Robert Terry
Retirement Plan Sales Manager

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