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Lavine","/author/alan-lavine","role","People Living Longer, Insurance Premiums Falling","/financial-planning/people-living-longer-insurance-premiums-falling","linkAttrs",{},"Aug 19, 2008","With life expectancies going up, insurance premiums are coming down. Since 2000, term-insurance premiums have dropped by more than 4 percent a year, according to the Insurance Information Institute, an industry trade group.","articleBodyJsonSummary","normal","paidGating",{"_774":32,"_775":776},"paidContent","paidProductTaxonomy",[],"articleSize","big",{"_184":185,"_163":780,"_186":781,"_169":787,"_171":787,"_174":788,"_766":789,"_176":177,"_178":790,"_180":177,"_172":791,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":792,"_777":778},{"_165":177,"_167":177},[782],{"_54":783,"_190":784,"_192":785,"_763":786},"Celia R. Clark","/author/celia-r-clark","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltbae2cdddb3810ea4/6724b70a514e9e1ddea7ccea/atttorney-celia-clark.png","Managing Partner","Protecting Wealthy Senior Clients—From Caregivers and \"Friends\"","/financial-planning/protecting-wealthy-senior-clients-from-caregivers-and-friends-",{},"Aug 13, 2008","Oftentimes, estate planners and elder law attorneys are faced with the challenge of trying to protect an aging client who is gradually descending into dementia or becoming emotionally needy, making him vulnerable to unscrupulous caregivers, friends and relatives. Typically, while the client is still in full control of his mental functions, he wants to ensure that his testamentary plans won’t be changed if he later becomes vulnerable. But he’s equally adamant about not stripping himself of control over his assets unless he’s certified as incapable of managing them (that is to say, completely disabled).",{"_774":32,"_775":793},[],{"_184":185,"_163":795,"_186":796,"_169":802,"_171":802,"_174":803,"_766":804,"_176":177,"_178":805,"_180":177,"_172":806,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":807,"_777":778},{"_165":177,"_167":177},[797],{"_54":798,"_190":799,"_192":800,"_763":801},"Gideon Rothschild","/author/gideon-rothschild","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt2582e7c21e0fe42e/6724b90a5746e12882c1fb3e/gideon-rothschild-web.jpg","Partner","Score One for the Foreign Trust","/financial-planning/score-one-for-the-foreign-trust",{},"Jul 30, 2008","A U.S. District Court has ruled that the settlor of a foreign trust cannot be held in civil contempt for failing to comply with a repatriation order—because she has established to the court’s satisfaction that she is unable to repatriate the funds.",{"_774":32,"_775":808},[],{"_184":185,"_163":810,"_186":811,"_169":813,"_171":813,"_174":814,"_766":815,"_176":177,"_178":816,"_180":177,"_172":817,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":818,"_777":778},{"_165":177,"_167":177},[812],{"_54":761,"_190":762,"_192":177,"_763":177},"Advisors Taking A Shine To Fixed Immediate Annuities","/financial-planning/advisors-taking-a-shine-to-fixed-immediate-annuities",{},"Jul 29, 2008","As more Boomers retire and seek guaranteed sources of income for life, sales of immediate annuities are picking up—primarily fixed immediate annuities. First quarter fixed immediate annuities sales were up 21 percent, or $1.7 billion, versus the year-ago period, according to LIMRA International, a Windsor, Conn.-based association of life insurance and financial services companies. Meanwhile, total fixed immediate annuity premiums sold in 2007 hit $6.8 billion, up 33 percent versus 2002.",{"_774":32,"_775":819},[],{"_184":185,"_163":821,"_186":822,"_169":832,"_171":832,"_174":833,"_766":834,"_176":177,"_178":835,"_180":177,"_172":836,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":837,"_777":778},{"_165":177,"_167":177},[823,828],{"_54":824,"_190":825,"_192":826,"_763":827},"David Thayne Leibell","/author/david-thayne-leibell","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt827561b52ffab52f/6724b91e5235aa5be13dc541/david-leibell-web.jpg","Senior Wealth Strategist",{"_54":829,"_190":830,"_192":831,"_763":801},"Daniel L. Daniels","/author/daniel-l-daniels","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltd73b634aa40be60e/6724b98b93735ddc79948a74/daniel-l-daniels.jpg","Business Owners' Blind Spot","/financial-planning/business-owners-blind-spot",{},"Jun 27, 2008","It seems that F. Scott Fitzgerald was wrong. According to a new study, “Protecting the Family Fortune,” the very rich are not all that different from the rest of us — at least when it comes to estate planning. They also avoid it, because making or implementing plans means coping with the unpleasantness of death, incapacity and taxes.",{"_774":32,"_775":838},[],{"_184":185,"_163":840,"_186":841,"_169":845,"_171":845,"_174":846,"_766":847,"_176":177,"_178":848,"_180":177,"_172":849,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":850,"_777":778},{"_165":177,"_167":177},[842],{"_54":843,"_190":844,"_192":177,"_763":177},"Kristen French","/author/kristen-french","The Ties That Unbind","/financial-planning/the-ties-that-unbind",{},"Jun 25, 2008","For the first time, the credit and capital crisis on Wall Street is having a real impact on the wealth management business.",{"_774":32,"_775":851},[],{"_184":185,"_163":853,"_186":854,"_169":855,"_171":855,"_174":856,"_766":857,"_176":177,"_178":858,"_180":177,"_172":859,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":860,"_777":778},{"_165":177,"_167":177},[],"Park Sutton Advisors, LLC to Provide Wealth Management & Family Office Advisory Services","/financial-planning/park-sutton-advisors-llc-to-provide-wealth-management-family-office-advisory-services",{},"Jun 23, 2008","Park Sutton Advisors, LLC announced today the launch of a new wealth management boutique offering multi-family office services to high-net-worth individuals and families from Latin America.",{"_774":32,"_775":861},[],{"_184":185,"_163":863,"_186":864,"_169":868,"_171":868,"_174":869,"_766":870,"_176":177,"_178":871,"_180":177,"_172":872,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":873,"_777":778},{"_165":177,"_167":177},[865],{"_54":866,"_190":867,"_192":177,"_763":177},"Christina Mucciolo","/author/christina-mucciolo","Eking Out Positive Returns In A Lousy Market","/financial-planning/eking-out-positive-returns-in-a-lousy-market",{},"Jun 11, 2008","Warren Buffett bet $1 million that the Vanguard S&P 500 index fund will outperform five funds of hedge funds (averaged returns, net of fees) picked by professional money management firm Protégé Partners LLC, Fortune reported this week. Though the winner will not be determined until the end of 2017, if Protégé wins, there might be—at last—one more solid argument against the efficient market theory. (Even Buffett thinks his chances of winning are only 60 percent, says Fortune.)",{"_774":32,"_775":874},[],{"_184":185,"_163":876,"_186":877,"_169":881,"_171":881,"_174":882,"_766":883,"_176":177,"_178":884,"_180":177,"_172":885,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":886,"_777":778},{"_165":177,"_167":177},[878],{"_54":879,"_190":880,"_192":177,"_763":177},"John Churchill","/author/john-churchill","There’s Value In Mortgage-Backed Debt—If You Can Shrug Off The Noise","/financial-planning/there-s-value-in-mortgage-backed-debt-if-you-can-shrug-off-the-noise",{},"Jun 4, 2008","So now it’s Lehman Brothers in the hot seat. Lehman stock is off by 50 percent this year—almost 20 percent just this week. Apparently, the firm is going to join the write-down party, announcing huge losses on bets on mortgaged-backed securities. Lehman is asking for $4 billion or so in fresh capital.",{"_774":32,"_775":887},[],{"_184":185,"_163":889,"_186":890,"_169":891,"_171":891,"_174":892,"_766":893,"_176":177,"_178":894,"_180":177,"_172":895,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":896,"_777":778},{"_165":177,"_167":177},[],"BELL AND SANAK ASSIGNED TO KEY ROLES WITHIN COMPASS’ WEALTH MANAGEMENT GROUP","/financial-planning/bell-and-sanak-assigned-to-key-roles-within-compass-wealth-management-group",{},"Jun 2, 2008","Compass Bank’s Wealth Management Group (WMG) today announced that its former Birmingham Market Executive, Douglas Bell, will now serve as director of fiduciary services and tax for the Group. In addition, Steve Sanak has joined WMG as regional executive overseeing the Alabama and Florida markets.",{"_774":32,"_775":897},[],{"_184":185,"_163":899,"_186":900,"_169":902,"_171":902,"_174":903,"_766":904,"_176":177,"_178":905,"_180":177,"_172":906,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":907,"_777":778},{"_165":177,"_167":177},[901],{"_54":843,"_190":844,"_192":177,"_763":177},"Regulators Crack The Whip On False Advertising","/financial-planning/regulators-crack-the-whip-on-false-advertising",{},"May 28, 2008","Say you just hired a writer to pen an investment book or article called “Hitting Retirement Gold,” and are planning to slap your own name on it. After all, there is an entire cottage industry of ghostwriters that pen such investment pamphlets, articles and books. Well, if you’ve already written the writer a check, you might want to stop payment. FINRA, the broker/dealer industry’s self-regulatory group, published a regulatory Notice (08-27) in early May warning member Rule 2210 on misleading communications with the public.",{"_774":32,"_775":908},[],{"_184":185,"_163":910,"_186":911,"_169":915,"_171":915,"_174":916,"_766":917,"_176":177,"_178":918,"_180":177,"_172":919,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":920,"_777":778},{"_165":177,"_167":177},[912],{"_54":913,"_190":914,"_192":177,"_763":177},"Halah Touryalai","/author/halah-touryalai","The Client Ownership Saga","/financial-planning/the-client-ownership-saga",{},"May 21, 2008","The ongoing debate about who owns client relationships has yet to be won. Last week, the comment period closed on a proposed SEC amendment to existing client-privacy rules, which would suggest that, ultimately, broker/dealers own the client relationship. But the industry is still bickering on this point: Independent b/ds and reps say ownership belongs to the reps.",{"_774":32,"_775":921},[],{"_184":185,"_163":923,"_186":924,"_169":926,"_171":926,"_174":927,"_766":928,"_176":177,"_178":929,"_180":177,"_172":930,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":931,"_777":778},{"_165":177,"_167":177},[925],{"_54":879,"_190":880,"_192":177,"_763":177},"What The Wealthy Think Of Your Firm","/financial-planning/what-the-wealthy-think-of-your-firm",{},"May 7, 2008","Regardless of where you work, or what kind of practice you have, the last nine or 10 months have probably been tough on you and your clients. Of course, some firms have fared better than others, so what better time than now to hear what clients think of your brand?",{"_774":32,"_775":932},[],{"_184":185,"_163":934,"_186":935,"_169":943,"_171":943,"_174":944,"_766":945,"_176":177,"_178":946,"_180":177,"_172":947,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":948,"_777":778},{"_165":177,"_167":177},[936,939],{"_54":937,"_190":938,"_192":177,"_763":177},"Donald O. Jansen","/author/donald-o-jansen",{"_54":940,"_190":941,"_192":942,"_763":177},"Charles L. Ratner","/author/charles-l-ratner","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/bltac7ab51c71460723/6724b9ac0db62272995aea47/charles-ratner-web.jpg","Discount Private Split-Dollar Does It Work?","/financial-planning/discount-private-split-dollar-does-it-work-",{},"May 1, 2008","Do you think that split-dollar arrangements (other than premium loans under the split-dollar loan regime) faded away when the Internal Revenue Service tightened the rules on them in the final regulations issued Sept. 17, 2003?1 Think again. New variations of the split-dollar technique keep appearing. Discount private split-dollar also known as three-generation split-dollar is one of the popular new",{"_774":24,"_775":949},[950],{"_951":952,"_953":177,"_954":955,"_956":957,"_958":959,"_960":24,"_961":177},"uid","blt383a56e4f7171a94","paidProductName","paidProductTaxonomyType","siteSubscription","paymentEngine","advantage","paidProductId","TAE","activeProduct","promoCode",{"_184":185,"_163":963,"_186":964,"_169":966,"_171":966,"_174":967,"_766":968,"_176":177,"_178":969,"_180":177,"_172":966,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":970,"_777":778},{"_165":177,"_167":177},[965],{"_54":843,"_190":844,"_192":177,"_763":177},"Equal-Weighted Indexing Wins Over the Long Haul","/financial-planning/equal-weighted-indexing-wins-over-the-long-haul",{},"Apr 30, 2008",{"_774":32,"_775":971},[],{"_184":185,"_163":973,"_186":974,"_169":976,"_171":976,"_174":977,"_766":978,"_176":177,"_178":979,"_180":177,"_172":980,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":981,"_777":778},{"_165":177,"_167":177},[975],{"_54":913,"_190":914,"_192":177,"_763":177},"Down Market Sparks Federal Suits","/financial-planning/down-market-sparks-federal-suits",{},"Apr 23, 2008","The market is volatile, to say the least, and investors and shareholders are on edge. And why shouldn't they be? Between the failure of the auction-rate securities market, sub-prime woes and hedge fund and investment bank implosions, the market sometimes looks a bit like a winter graveyard. Many investors are looking for someone to blame, and seeking justice in the form of securities class-action lawsuits.",{"_774":32,"_775":982},[],{"_184":185,"_163":984,"_186":985,"_169":987,"_171":987,"_174":988,"_766":989,"_176":177,"_178":990,"_180":177,"_172":991,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":992,"_777":778},{"_165":177,"_167":177},[986],{"_54":866,"_190":867,"_192":177,"_763":177},"It's Okay To Outsource","/financial-planning/it-s-okay-to-outsource",{},"Apr 16, 2008","Johnne Syverson, a CFP and co-founder of RIA firm Syverson Strege & Company, in West Des Moines, Iowa, has been outsourcing money-manager selection and portfolio construction to SEI since 1995. The firm, which manages $300 million in assets, has three CFAs and eight CFPs on staff. Syverson says it's not that they don't know how to pick stocks or funds. But when they heard SEI was getting into the RIA-outsourcing business, they decided they would rather use more of their time doing comprehensive financial planning for clients—and less time picking funds.",{"_774":32,"_775":993},[],{"_184":185,"_163":995,"_186":996,"_169":998,"_171":998,"_174":999,"_766":1000,"_176":177,"_178":1001,"_180":177,"_172":1002,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1003,"_777":778},{"_165":177,"_167":177},[997],{"_54":879,"_190":880,"_192":177,"_763":177},"Investors Getting Smarter?","/financial-planning/investors-getting-smarter-",{},"Apr 9, 2008","In February, stock fund investors did a curious thing. Instead of running for the exits as the S&P 500 continued falling, they pumped large sums of new money into U.S. and international stock funds. Are investors getting smarter, buying when the news is bad and markets are falling, versus buying after big market run ups only to sell, in a panic, when the market falls?",{"_774":32,"_775":1004},[],{"_184":185,"_163":1006,"_186":1007,"_169":1008,"_171":1008,"_174":1009,"_766":1010,"_176":177,"_178":1011,"_180":177,"_172":1012,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1013,"_777":778},{"_165":177,"_167":177},[],"NorthStar Introduces Industry's First Wealth Manager Challenge Quiz","/financial-planning/northstar-introduces-industry-s-first-wealth-manager-challenge-quiz",{},"Apr 8, 2008","Diagnostic tool enables firms, advisors to benchmark their wealth management processes against industry best practices",{"_774":32,"_775":1014},[],{"_184":185,"_163":1016,"_186":1017,"_169":1019,"_171":1019,"_174":1020,"_766":1021,"_176":177,"_178":1022,"_180":177,"_172":1023,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1024,"_777":778},{"_165":177,"_167":177},[1018],{"_54":843,"_190":844,"_192":177,"_763":177},"RIA M&A (Temporarily) Hits The Skids in '08","/financial-planning/ria-m-a-temporarily-hits-the-skids-in-08",{},"Apr 2, 2008","Mergers and acquisitions activity in the registered investment advisory (RIA) business had been on a three-year run, with new records in dollar volume set each year. But, in the first quarter of this year, M&As slowed dramatically, another casualty of the credit crunch. A total of 10 RIA mergers and acquisitions were completed through March 20, 2008, with total assets under management of about $14 billion. By comparison, in March of last year, twice as many deals had been made; 80 deals were done in all of 2007, and $101 billion in assets acquired, according to data from Schwab Institutional.",{"_774":32,"_775":1025},[],{"_184":185,"_163":1027,"_186":1028,"_169":1032,"_171":1032,"_174":1033,"_766":1034,"_176":177,"_178":1035,"_180":177,"_172":177,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1036,"_777":778},{"_165":177,"_167":177},[1029],{"_54":1030,"_190":1031,"_192":177,"_763":177},"Winton C. Smith","/author/winton-c-smith","Score One for Donors","/financial-planning/score-one-for-donors",{},"Mar 27, 2008",{"_774":32,"_775":1037},[],{"_184":185,"_163":1039,"_186":1040,"_169":1041,"_171":1041,"_174":1042,"_766":1043,"_176":177,"_178":1044,"_180":177,"_172":1045,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1046,"_777":778},{"_165":177,"_167":177},[],"Breeding Loyalty In Bad Times","/financial-planning/breeding-loyalty-in-bad-times",{},"Mar 19, 2008","Bear Stearns near-collapse and sellout to J.P. Morgan was just one more act in the ugly market drama unfolding on Wall Street: Big brand-name firms, thought to be failsafe, are reeling from the sub-prime crisis and its fallout. The economy and the markets are on the skids. Financial advisors are left to mollify their clients’ anxieties about the safety of their assets—and their retirements—however they can. There’s no question that they’re skittish: Investor confidence, as measured by the State Street Global Markets Index of Investors Confidence, sat at 83.5 in March. Granted, that is a better reading than it got back in December, when it bottomed out at 65.3. But it’s still low compared to an average last year of about 97.",{"_774":32,"_775":1047},[],{"_184":185,"_163":1049,"_186":1050,"_169":1051,"_171":1051,"_174":1052,"_766":1053,"_176":177,"_178":1054,"_180":177,"_172":1055,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1056,"_777":778},{"_165":177,"_167":177},[],"GenSpring Family Offices Hires New Office President and Two Wealth Management Strategists to Support Growing Business in New York","/financial-planning/genspring-family-offices-hires-new-office-president-and-two-wealth-management-strategists-to-support-growing-business-in-new-york",{},"Mar 11, 2008","GenSpring Family Offices (formerly Asset Management Advisors), the wealth management firm for ultra high net worth families, announced today significant senior staff additions to its New York office. Bruce Arella, a former senior executive with Orion Capital Management LLC, joins GenSpring as president of its New York office. In addition, respected industry executives Marcia Lyons Wilson and Felicia Yieh join GenSpring’s New York office from Goldman Sachs.",{"_774":32,"_775":1057},[],{"_184":185,"_163":1059,"_186":1060,"_169":1062,"_171":1062,"_174":1063,"_766":1064,"_176":177,"_178":1065,"_180":177,"_172":1066,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1067,"_777":778},{"_165":177,"_167":177},[1061],{"_54":843,"_190":844,"_192":177,"_763":177},"House, Industry Wrangle Over ETN, Derivatives Tax Treatment","/financial-planning/house-industry-wrangle-over-etn-derivatives-tax-treatment",{},"Mar 5, 2008","Derivatives are certainly having their day in the sun. Congress is considering new tax treatment for certain derivatives, including prepaid derivative contracts and exchange-traded notes (ETNs). The House Ways & Means Committee held a hearing today on the matter. It’s part of an ongoing debate: The mutual-fund industry has complained that derivatives—especially ETNs, which are growing in popularity with retail clients—are very similar to mutual funds, and yet get better tax treatment. ETN makers and brokerages take a different view. After all, a change in ETN tax treatment might doom the vehicle to niche status forever.",{"_774":32,"_775":1068},[],{"_184":185,"_163":1070,"_186":1071,"_169":1077,"_171":1077,"_174":1078,"_766":1079,"_176":177,"_178":1080,"_180":177,"_172":177,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1081,"_777":778},{"_165":177,"_167":177},[1072],{"_54":1073,"_190":1074,"_192":1075,"_763":1076},"Anne Field","/author/anne-field","https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt6af29ea02d1c3780/6724b94b838a146a909cc49e/anne-field-web.jpg","Columnist: Fix My Business","Do-Good Investing","/financial-planning/do-good-investing",{},"Feb 27, 2008",{"_774":32,"_775":1082},[],{"_184":185,"_163":1084,"_186":1085,"_169":1087,"_171":1087,"_174":1088,"_766":1089,"_176":177,"_178":1090,"_180":177,"_172":1091,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1092,"_777":778},{"_165":177,"_167":177},[1086],{"_54":879,"_190":880,"_192":177,"_763":177},"Integrated Technology: The Holy Grail","/financial-planning/integrated-technology-the-holy-grail",{},"Feb 20, 2008","As the wealth-management business gets more complex, and the war for talent and wealthy clients heats up, good, integrated technology systems are becoming more and more important. And wealth managers aren’t too happy with what they’ve got. In fact, about 75 percent of wealth-management executives say they are either frustrated, or very frustrated, with their software tools, according to a recent survey conducted by Northstar, a wealth- and asset-management software provider.",{"_774":32,"_775":1093},[],{"_184":185,"_163":1095,"_186":1096,"_169":1097,"_171":1097,"_174":1098,"_766":1099,"_176":177,"_178":1100,"_180":177,"_172":1101,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1102,"_777":778},{"_165":177,"_167":177},[],"LPL Financial Announces New EVP, Wealth Management and CEO of The Private Trust Company","/financial-planning/lpl-financial-announces-new-evp-wealth-management-and-ceo-of-the-private-trust-company",{},"Feb 19, 2008","LPL Financial announced today the appointment of Christopher Poch as Executive Vice President, Wealth Management and Chief Executive Officer of The Private Trust Company effective immediately. Based in Boston, Massachusetts, Mr. Poch will report to Bill Dwyer, President, LPL Financial Independent Advisor Services, and will be responsible for overseeing the development and expansion of LPL Financial wealth management capabilities.",{"_774":32,"_775":1103},[],{"_184":185,"_163":1105,"_186":1106,"_169":1107,"_171":1107,"_174":1108,"_766":1109,"_176":177,"_178":1100,"_180":177,"_172":1110,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1111,"_777":778},{"_165":177,"_167":177},[],"LPL Financial Appoints Christopher Poch to Executive Vice President, Wealth Management and CEO of the Private Trust Company","/financial-planning/lpl-financial-appoints-christopher-poch-to-executive-vice-president-wealth-management-and-ceo-of-the-private-trust-company",{},"LPL Financial announced today the appointment of Christopher Poch as Executive Vice President, Wealth Management and Chief Executive Officer of The Private Trust Company effective immediately. Based in Boston, Massachusetts, Mr. Poch will report to Bill Dwyer, President, LPL Financial Independent Advisor Services,",{"_774":32,"_775":1112},[],{"_184":185,"_163":1114,"_186":1115,"_169":1117,"_171":1117,"_174":1118,"_766":1119,"_176":177,"_178":1120,"_180":177,"_172":1121,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1122,"_777":778},{"_165":177,"_167":177},[1116],{"_54":913,"_190":914,"_192":177,"_763":177},"An International Affair: (Some) RIAs Go Abroad","/financial-planning/an-international-affair-some-rias-go-abroad",{},"Feb 13, 2008","Deal-making in the wealth management space has been rampant lately, and some wealth management-holding companies and individual RIAs are beginning to see opportunities in Europe. But heading across the pond may not be for everyone.",{"_774":32,"_775":1123},[],{"_184":185,"_163":1125,"_186":1126,"_169":1128,"_171":1128,"_174":1129,"_766":1130,"_176":177,"_178":1131,"_180":177,"_172":1132,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1133,"_777":778},{"_165":177,"_167":177},[1127],{"_54":843,"_190":844,"_192":177,"_763":177},"Active ETFs On Their Way","/financial-planning/active-etfs-on-their-way",{},"Feb 6, 2008","Actively managed ETFs are ready to hit the market. Industry executives and regulators have been talking about this moment for years, as low-cost, tax-efficient passive ETFs surged in popularity. But it’s looking like final approval for the first of the new breed could be just around the corner—maybe even coming by the end of this month.",{"_774":32,"_775":1134},[],{"_184":185,"_163":1136,"_186":1137,"_169":1138,"_171":1138,"_174":1139,"_766":1140,"_176":177,"_178":1141,"_180":177,"_172":1142,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1143,"_777":778},{"_165":177,"_167":177},[],"Outstanding Advisor Awards 2008","/financial-planning/outstanding-advisor-awards-2008",{},"Feb 1, 2008","THE QUALIFICATIONS: Anyone can nominate a friend or colleague who meets the following criteria: A minimum of three years in the industry as a producing retail registered rep or investment advisor rep. A minimum of one year with his or her present firm as of Jan. 1, 2007. Good compliance standing. (Nominees' compliance records will be checked we must have nominee's middle name and for registered reps,",{"_774":32,"_775":1144},[],{"_184":185,"_163":1146,"_186":1147,"_169":1149,"_171":1149,"_174":1150,"_766":1151,"_176":177,"_178":1152,"_180":177,"_172":1153,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1154,"_777":778},{"_165":177,"_167":177},[1148],{"_54":866,"_190":867,"_192":177,"_763":177},"Variable Annuities: Losing The Retirement Product War","/financial-planning/variable-annuities-losing-the-retirement-product-war",{},"Jan 30, 2008","With 75 million baby boomers galloping into retirement, wealth managers are going to be spending a lot of their time deciding what retirement income products are best suited for their clients. Recent research shows variable annuities are not among their favorites. According to a Cogent Research study, advisors forecast zero growth in their use of variable annuities (VAs) through the end of 2009. Why? The inherent complexities of VAs, the industry migration to fee-based platforms (most variable annuities use a commission-based pay structure), and the fact that investors and advisors are sensitive to the high commissions on VAs (sometimes as high as 6 percent) are the primary reasons for their disinterest.",{"_774":32,"_775":1155},[],{"_184":185,"_163":1157,"_186":1158,"_169":1160,"_171":1160,"_174":1161,"_766":1162,"_176":177,"_178":1163,"_180":177,"_172":1164,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1165,"_777":778},{"_165":177,"_167":177},[1159],{"_54":913,"_190":914,"_192":177,"_763":177},"Former Brokers Make Great RIAs","/financial-planning/former-brokers-make-great-rias",{},"Jan 23, 2008","You may have heard it’s not just small time advisors making the leap to full independence these days. Some big b/d brokers are moving too. The interesting thing is, those defecting brokers (also know as breakaway brokers) are running",{"_774":32,"_775":1166},[],{"_184":185,"_163":1168,"_186":1169,"_169":1171,"_171":1171,"_174":1172,"_766":1173,"_176":177,"_178":1174,"_180":177,"_172":1175,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1176,"_777":778},{"_165":177,"_167":177},[1170],{"_54":879,"_190":880,"_192":177,"_763":177},"Recession Talk","/financial-planning/recession-talk",{},"Jan 16, 2008","Recession is on the lips of everyone in the financial-services industry, and several heavyweights have proclaimed we’re already in it or it’s on the way. Merrill Lynch, Goldman Sachs and Morgan Stanley have all predicted the U.S. economy will be cloudy with a mix of mild recession in 2008. Not surprisingly, there are plenty of others that disagree. But with influential factors like oil, housing, consumer spending, credit, a falling dollar and new government still outstanding, it’s anybody’s guess.",{"_774":32,"_775":1177},[],{"_184":185,"_163":1179,"_186":1180,"_169":1182,"_171":1182,"_174":1183,"_766":1184,"_176":177,"_178":1185,"_180":177,"_172":1186,"_770":177,"_196":771,"_181":280,"_183":281,"_194":362,"_772":1187,"_777":778},{"_165":177,"_167":177},[1181],{"_54":843,"_190":844,"_192":177,"_763":177},"The Planner’s Planner","/financial-planning/the-planner-s-planner",{},"Jan 9, 2008","You’ve probably made some personal New Year’s resolutions for 2008. Most people do. A new year is always a great opportunity for a fresh start. But have you made new resolutions for your business? Have you examined the year that has come to a close to see what you did right and what you could do better? Have you set specific revenue and client goals for the year ahead? Have you thought about what special hurdles or opportunities this year might present? Another word for New Year’s resolution is an annual business plan, and a lot of advisors don’t have one.",{"_774":32,"_775":1188},[],"sidebarModules",[1191,1239,1253,1365,1400,1419],{"_88":1192,"_1193":1194,"_1236":1237},"module_content_cards","data",{"_112":1195,"_1196":1197,"_196":1198,"_755":1199,"_1232":1233,"_1234":1233,"_1235":-7},"RSB - Content cards","moduleLabel","Latest news","default",[1200,1215,1223],{"_88":1201,"_1193":1202},"contentPreview",{"_184":185,"_196":1203,"_163":1204,"_169":1207,"_171":1208,"_174":1209,"_176":1209,"_766":1210,"_178":179,"_180":177,"_181":158,"_183":159,"_186":1211,"_194":271,"_772":1213},"card-horizontal",{"_165":1205,"_167":1206},"https://eu-images.contentstack.com/v3/assets/bltabaa95ef14172c61/blt67004ea2ccff0fbb/67abcc8f39b12b008b1cb140/restieiri-oros-hightower.jpg","Larry Restieri and Bob Oros Hightower","Hightower CEO Bob Oros To Step Down","Hightower CEO Bob Oros To Step Down 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Trusts & Estates: February 2025 Digital Edition