Archives Of Weekend Reading For Financial Planners

Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with several big news announcements, including the release of the first Department of Labor "FAQ" about the fiduciary rule (a series of 34 common-question-and-answer responses about keep aspects of implementing the Best Interest Contract and Level Fee Fiduciary requirements), the announcement that Commonwealth is breaking ranks with other independent broker-dealers and opting to eliminate commissions from IRAs altogether (while Ameriprise and Raymond James announced they will be allowing commissions and implementing all the additional compliance processes necessary to adhere to the Best Interests Contract Exemption), and an indication from FINRA that it is working on new regulatory guidance regarding social media intended to make it easier for brokers to use the platforms with less burdensome compliance going forward.

From there, we have several practice management articles including: a look at the situations where a financial advisor might want to merge their advisory firm into another (rather than simply be acquired); the long-term trade-offs to consider when building a "lifestyle practice" as a financial advisor (particularly if you're still in your 30s or 40s); and a look at how one mega-RIA built a new specialty niche inside the existing RIA without disrupting the existing business (in this case, by rolling out an impact investing solution).

We also have a few more retirement planning articles, from a look at the existing proposals to resolve the projected Social Security shortfall in 2034 (where the levers to adjust to solve it are actually easy to determine, and the only challenge is deciding which ones to pull on to shore up the future cash flow obligations), to a discussion of the mechanics of the "pro rata" rule from IRAs and why it matters (particularly for backdoor Roth contributions), and an examination of the "tenure" option in a reverse mortgage and in what situations it may be a superior "lifetime" income alternative to an immediate annuity.

We wrap up with three interesting articles: the first is a look at how accumulating significant wealth, especially suddenly, can actually be very disruptive socially, often leading the newly wealthy to become surprisingly isolated socially (in part to defend themselves from people who try to attach themselves socially to be a part of the financial gain); the second is an examination of how the dynamic between financial planning academics and practitioners needs to change and improve to bridge the research/practice gap in financial planning; and the last is an incredible anecdotal story to help remind us all that customer/client service interactions that we may repeat over and over, day after day, may be a small part of what we do, but are 100% of the client experience for that particular client... which is why every single moment in the delivery of the client experience really matters.

And be certain to check out Bill Winterberg's "Bits & Bytes" video at the end, which this week includes an interview directly from Schwab IMPACT with VP of Advisor Technology Solutions, Brian Shenson, about the upcoming Schwab technology roadmap, from OpenView Integrated Office and Gateway enhancements, to an update on the OpenView MarketPlace, and the timeline for the new Schwab Portfolio Connect (the replacement for Portfolio Center) to be released in phases throughout 2017 and 2018!

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the announcement that more than 50% of all Vanguard's growth is now coming not from its 'traditional' direct-to-consumer retail investor but instead from financial advisors, who now have as much with Vanguard as all individual investors in the aggregate (about $1.3 trillion)... a trend that will likely only continue, or even accelerate, as the DoL fiduciary rule rolls out in 2017.

From there, we have several articles on technology solutions for advisors, including: the announcement of Fidelity's new "robo-advisor-for-advisors" solution Fidelity Automated Managed Platform (which will deeply integrated with eMoney Advisor); the latest technology roadmaps at major broker-dealers Commonwealth, Raymond James, LPL, and Lincoln Financial; a review of the digital marketing tool Vestorly; and an interesting profile of the growing number of financial-advisors-turned-tech-entrepreneurs who are creating tech solutions for advisors by solving problems in their own advisory firms and then making the software available to others (sometimes building sizable tech companies in the process).

We also have a few more practice management articles this week, from a review of the latest FA Insight advisory benchmarking study on how the best advisory firms are outperforming on growth and profits, to a good reminder of how important it is to engage employees (and how expensive it is to turn them over), a discussion of key points to consider before breaking away from a broker-dealer to form your own independent RIA, and a reminder of how even a successful advisory firm sale by a founder can be extremely stressful and trigger a lot of soul searching.

We wrap up with three interesting articles: the first is a look at recent research on longevity, which suggests that despite improving life expectancies, we really may not even live much beyond 115 years of age, which appears to be the maximum lifespan based on our underlying biology (and medical advances may simply help us all to get close to age 115 before we die, not extend us past that point); the second examines how despite the tremendous growth of the tech sector, which now comprise most of the largest companies on the US stock exchanges, total employment of the tech sector is actually down over the past 15 years, as are the number of new tech startups, suggesting that perhaps the potential of technology is much more nuanced than previously believed; and the last is a challenging discussion about whether the focus of financial planning on helping clients achieve goals is wrong, because the truth is that most people don't have or even know what their goals are in the first place, and that perhaps our real value is to help clients figure out what goals they want to set and pursue.

And be certain to check out Bill Winterberg's "Bits & Bytes" video at the end, which this week includes cybersecurity tips for advisors from Kevin Mitnick ("World's Most Famous Hacker"), the launch of the new Fidelity Automated Managed Platform (AMP) for advisors, and the latest growth trends in performance reporting software solutions (from new features at Tamarac, to Orion landing a deal with mega-RIA Buckingham/BAM Alliance, and Addepar surpassing $500B of AUM and opening up a new API on its platform)!

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with two interesting studies on advisor trends: the first finds that advisors who outsource investment management are growing substantially larger businesses than those who continue to manage investments in house, and that the result appears to be driven primarily by the direct time constraints that occur when the owner-advisor spends time on portfolio construction instead of meeting with prospects and clients and doing business development; and the second study finds that social media adoption amongst financial advisors is now widespread, with a growing number reporting a material amount of new business development stemming directly from their digital marketing efforts.

From there, we have several articles on practice management and career development, including: a look at how most advisory firms aren't even tracking the volume of new client leads coming in, making it impossible to evaluate whether they're doing a good job with their marketing and sales processes; strategies on how to reach out and develop deeper relationships with Centers of Influence (COIs) to generate referrals; issues to consider when deciding whether it's time to hire another financial planner in the office; and the most common leadership mistakes that financial advisors make in growing firms (all of which are related to the "thinking mistakes" we unwittingly unleash upon ourselves with our own mental attitudes).

We also have a few more technical articles this week, from key talking points with clients about the new money market fund rules that have just taken effect, to the way you can get a 3.5% yield on a government bond (by buying Series EE Savings Bonds!), and tips for finding an alternative to a big national bank if you've decided its time for something different (especially given the recent controversial news about Wells Fargo).

We wrap up with three interesting articles: the first is a fascinating introspective look from Stephanie Bogan, a consultant to advisors who built up a successful business and sold it for seven figures while she was still in her mid-30s, and reflects on how important it is not to confuse achievement and business success with truly finding your passion and purpose; the second is a fantastic reminder from Julie Littlechild of the importance of taking time off to renew, supported by her own research that finds the advisors who are most effectively engaged in their businesses really do tend to be the ones that take the most time off from the business as well; and the last is a discussion of a recent research study finding that the whole concept of "work-life balance" may be the wrong way to view the issue, as it implies a painful zero-sum trade-off, and that pursuing "work-life harmony" is a better way to approach the competing demands of business and life/family.

And be certain to check out Bill Winterberg's "Bits & Bytes" video at the end, which this week includes coverage of a financial advisor who got fired after falling for a cyberthief's "spoofing" attack (where the advisor accidentally processed fake email wire transfer requests), the news that Envestnet has acquired Wheelhouse Analytics (likely in preparation for DoL fiduciary price benchmarking), and the announcement of two new robo-advisor platforms, from Zacks Investment Management (which launched Zacks Advantage) to Merrill Lynch and its new Merrill Edge Guided Investing solution.

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the huge news that Merrill Lynch is fully pivoting its retirement advisors to become level fee fiduciaries, eschewing commission-based retirement accounts entirely by April of 2017, and redirecting self-directed investors who still wish to trade to its Merrill Edge online brokerage platform or a new "robo" platform called Merrill Edge Guided Investing (though notably Merrill Lynch taxable brokerage accounts may still remain commission-based and are not subject to the new fiduciary rules). Also in the news this week was a decision from the DC Court of Appeals that has made a final ruling in favor of the CFP Board over the Camardas, which should end the ongoing lawsuit once and for all... and with the CFP Board's recent change to require mandatory arbitration, will likely be the last dispute any CFP certificant ever has with the organization that sees the inside of a courtroom.

From there, we have a few practice management articles specifically on the topic of hiring and retention, including: tips for hiring and retaining Millennial advisors; how to find the "right" team members by focusing first on cultural fit and passion (as long as the minimum technical skills are there); the importance of managing expectations for new employees to retain them going forward; and how "client-centric" firms aiming for high retention may be too client-centric, driving away their best employees (and ultimately damaging the firm's retention) in the process.

We also have several more technical articles, from a look at how to set "retirement guardrails" to determine when retirees may be spending too much (due to higher spending or poor market returns), to a discussion of how the community property rules interact with retirement accounts (and how a spouse's community property interest doesn't automatically ensure he/she can do a spousal rollover after death!), and an overview of how to use the IRS' Data Retrieval Tool (DRT) now that the 2017 FAFSA season is open.

We wrap up with three interesting articles: the first is a call-to-action for younger planners that despite being the "next generation" of financial planners, the time to lead is now (allowing for more time to build a foundation and enjoy the fruits of their labor!); the second is a look at the idea of practicing "radical generosity", giving especially deep and thoughtful gifts to clients, prospects, and referral sources, as a way to enhance the relationship; and the last is a look at how despite all the ongoing technological progress, the next 20 years may actually be far less disruptive than the past decades have been, as even "innovative" technology in recent years has actually been more incremental than truly revolutionary, and could actually drive consumers even more towards health care, education, and financial advising sectors, that remain uniquely human in their needs.

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the big news that Nationwide Insurance is purchasing Jefferson National, the maker of the leading low-cost fee-based variable annuity for RIAs, as Nationwide looks to gear up its no-commission fee-based insurance and annuity products for the DoL fiduciary rule (and gain access to Jefferson National's RIA relationships to offer new Nationwide fee-based products in the future). Also in the news this week is a new advisor survey from Fidelity, finding that financial advisors are warming up to the DoL fiduciary rule and increasingly see it as an opportunity, though a non-trivial number of advisors (about 1-in-5) report that they may leave the industry altogether if forced to act in their clients' best interests. (Good Riddance!?)

From there, we have several "counter-intuitive" articles on financial advisor marketing strategies, from why you should stop asking for referrals (and what you should do instead to become more referrable), why you should stop going to networking events (and organize your own instead), why you should create a "prospect repellant" list (characteristics of people you don't want to work with), and why maintaining an emotional aloofness as an advisor professional may be inferior to sharing your personal story and allowing yourself to be more emotionally vulnerable with clients.

We also have a few more technical articles this week, including: the benefits of using a HECM for Purchase reverse mortgage to buy a retirement home (instead of a traditional mortgage); how factor investing extends beyond the traditional Modern Portfolio Theory (MPT) approach; and ideas for new ETFs that would actually be useful for consumers (unlike the proliferation of so many today that appear to be pursuing extreme differentiation at the cost of introducing new risks).

We wrap up with three interesting articles: the first is a look at how, if you really want to motivate employees, don't just give them financial bonuses (which can briefly encourage behavior but quickly fade), and instead give them compliments and pizza (which have more lasting motivational effects than you might have realized!); the second is a discussion of how we tend to distance ourselves from those who criticize us, even though the reality is that constructive criticism feedback is crucial to self-improvement; and the last dives into the research of how to actually take a truly restful "micro break" during the day to keep your energy flowing (as even a brief 5-minute restful break can go a long ways to renewing our energy to get through the rest of the work of the day)!

And be certain to check out Bill Winterberg's "Bits & Bytes" video at the end, which this week includes highlights of the recent #FinTech hackathons from Orion Fuse and eMoney Advisor, the announcement that Motif Investing is launching a new Motif BLUE subscription service, the launch of Betterment's new "Tax-Coordinated Portfolio" (automated asset location), a new Quovo advisor dashboard, and more!

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with an announcement that there's a new "fiduciary registry" being launched by the Institute for the Fiduciary Standard, with public support from TD Ameritrade and Pershing Advisor Solutions. The new registry aims to highlight firms that proactively embrace a more holistic fiduciary standard than the still-limited versions currently adopted by both the SEC (pertaining to RIAs) and the Department of Labor... and in the process, raising the question of whether firms can still compete by trying to be the 'most fiduciary' as a differentiator at all.

From there, we have several articles on advisor technology this week, including a recent study finding that if advisors want to reach younger "HENRY" clients (High Earners, Not Rich Yet) it's essential to serve them in a more tech-savvy manner, software reviews of new retirement tools Last Advisor and Nest Egg Guru, and a look at the recent announcement that eMoney Advisor is aiming to build out a substantial suite of DoL compliance tools to complement its core financial planning software.

We also have a series of articles looking at the continuing evolution of DoL fiduciary's impact on advisory firms, from a prediction by Ric Edelman that as many as half of all of today's financial advisors will be driven out by the DoL fiduciary rule (clearing the way for more fiduciary- and client-centric advisors to take their place), a look at whether some advisors are selecting applying fiduciary rules in today's environment (e.g., by building fiduciary portfolios but ignoring the more holistic demands of the fiduciary standard on the business), a prediction from Cerulli that the fiduciary standard will lead to more 'cookie-cutter' portfolios and less freedom/flexibility for most advisors, and a prediction that despite the push for economies of scale to handle compliance concerns a look at other industries suggests solo financial advisors and small RIAs will continue to survive and thrive going forward.

We wrap up with three interesting articles, all focused around the theme of the wealthy: the first is an excerpt from a new book entitled "Capital Without Borders", that studied how ultra-high-net-worth clients engage with family wealth managers; the second is a look at how the "pentamillionaire" (with more than $5M in investable assets) is becoming the new millionaire, as there are now more than 1,000,000 US households that have reached the pentamillionaire status (having grown by 38% in just the past 5 years); and a fascinating exploration of how in theory it's the poor who have to work extreme hours and the rich who have time for leisure, but in practice it's turning out that 1-in-5 men in their 20s without a college degree is long-term unemployed (and that 3/4ths of their newfound 'leisure time' is being spent playing video games!), while higher income individuals have experienced the greatest decline in leisure time over the past generation.

And be certain to check out Bill Winterberg's "Bits & Bytes" video at the end, which this week recaps the highlights of a new hackathon for advisor technology development, hosted this week at the 2016 eMoney Advisor Summit.

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the big news that State Farm is pulling the ability of over 12,000 of its insurance agents to sell securities products (mutual funds and variable annuities) next April when the Department of Labor's fiduciary rule takes effect, implicitly acknowledging their agents are not providing (fiduciary) advice, and redirecting customers to a "self-directed" customer call center instead... a precedent that may or may not be repeated in the coming months as more major firms reveal their DoL fiduciary plans as the April 2017 effective date looms. Also in the news this week was an announcement the Financial Engines, the massive provider of 401(k) managed accounts and retirement investment advice, is pivoting fully into financial planning as it rebrands its 125 Mutual Fund Store branch locations into "Financial Engines Advisor Centers" to provide personal financial advice.

From there, we have several technical articles this week, including a reminder that with open enrollment coming on October 15th it's a good time to review retirees' Medicare Part C and Part D plans, a discussion of why it's so important to ensure that retirement account beneficiary designation forms are up to date (and how it may be impossible to fix a botched stretch IRA after the fact), and a look at all the different ways that long-term care insurance can potentially be deducted for tax purposes (depending on whether it's purchased directly as an individual, or under various types of business entities).

We also have a series of articles on retirement trends around spending and (continuing to) work, from one study that found we're materially happier when we have a substantial account balance in a checking or savings account (even if the cash is 'idle' and not invested), to another that notes new research studies are finding the 'traditional' even spending plan throughout retirement is actually a terrible way to maximize our happiness, how more and more advisors are talking about at least part-time work in "retirement" to help handle today's low-return environment and the uncertainties of a long retirement time horizon, and a look at whether the growing number of retirees choosing to continue work suggests that perhaps a multi-decade retirement shouldn't be the goal in the first place and that instead it's better to simply plan for a series of "Acts" punctuated by "Work Intermissions" instead.

We wrap up with three interesting articles: the first is an article by John Bogle about how the DoL fiduciary rule is here, it's time to get used to it, and its arrival was really just the inevitable culmination of growing consumerism as businesses increasingly have to respond to consumer demands; the second is a fascinating profile of Robert Moses, who was arguably the most powerful figure in the history of New York City, responsible for building many of its most famous bridges, parkways, and landmarks, and who simultaneously exhibited an incredible Competence to achieve results and terrible personal behaviors that made him widely hated (yet still incredibly successful); and the last is a look at the rising role of technology in financial planning, and how artificial intelligence may be able to help advisors have better conversations and create more engagement with clients... an inevitable future that we'll eventually get used to, despite the fact that now it still seems a bit "creepy"!

And be certain to check out Bill Winterberg's "Bits & Bytes" video showing the awards announcements for all the Best In Show winners of the 2016 Orion Fuse hackathon, including Best Work Saving Development from Orchestrate, Best Business Intelligence from industry newcomer Sisense, and the overall Best In Show winner from compliance provider RIA In A Box!

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with the announcement that the FPA is forming a new Member Advocacy Council, intended to poll its CFP professional members and advocate on their behalf when there are concerns regarding the activities of the CFP Board and other regulators. Also in the news this week was the decision of Morningstar to expand its five-pillar qualitative Analyst Ratings to ETFs, which will be evaluated together with mutual funds in the same investment category... and further blurring the already disappearing dividing line between mutual funds and ETFs (which may only accelerate further with the looming DoL fiduciary rule).

From there, we have several financial advisor marketing articles this week, from tips on how to use content marketing to attract referrals, how financial advisors can write and promote a book, the importance of having a formal structure in how you respond to a prospect inquiry (especially via email), and how to better manage situations when a client refers you to a prospect who isn't actually a good fit (given that it can be very awkward to say "no").

We also have a few more technical articles, including: a look at the ever-growing range of retirement income strategies using reverse mortgages; the problem with some liquid alternative mutual funds, that are using swap arrangements to mask their true expense ratio costs; how aggressive allocations to volatile small cap stocks can actually enhance a client's sustainable withdrawal rate (often quite materially); and the key details that advisors must know about the new once-per-year IRA rollover rule (which just took effect in 2015).

We wrap up with three interesting articles: the first looks at how getting more physically active with exercise can not only help to improve physical health, but can improve mood and stir creativity and a cognitive spark; the second is a good reminder that the challenge where some clients don't even know their goals (which makes it hard to plan for them!) is not unique to clients, and that in reality financial advisors often get stuck in their own ruts of not being able to clearly articulate their goals and vision (which makes it hard to build the right business); and the last is a fascinating exploration of the idea that the very nature of setting goals may be fundamentally flawed, and that the real focus should be on continuous improvement and growth without actually setting goals (which just make you feel like you're failing until you reach them, only to usually be unsatisfied upon achieving the goal anyway!).

And be certain to check out Bill Winterberg's "Bits & Bytes" video showing the highlights of Fuse 2016, a hackathon coding event hosted by Orion Advisor Services that brings together the developers from a wide range of advisor FinTech companies to spend three days coding newer and better integrations for advisors to use!

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition kicks off with a celebration of the index fund, which turned 40 years old this week, as "Bogle's folly" of launching an index fund in the era of stock-picking "gunslingers" is now decimating the very same world of actively managed mutual funds and stockpickers several decades later, as Vanguard passes $3 trillion in AUM and shows no signs of slowing!

From there, we have several technical planning articles this week, including: the newly announced process from the IRS to fix a botched IRA rollover, where individuals can "self-certify" that a rollover should still be eligible, as long as the reason for missing the deadline is one of 11 specified reasons; the trends in long-term care insurance policies, which have become significantly more restrictive in recent years as LTC insurance companies struggle for profitability; how variable annuity companies trying to manage their own risk by requiring "managed volatility" funds and conservative asset allocations are leading to a decline in annuity sales as investors bristle at the restrictions; and how Millennials are introducing a new stage to the traditional investing lifecycle, which isn't just about Growth, Stability, and Distribution, but now also includes a "Recovery" phase where Millennials spend years digging out of long-term debt just to be able to start to save and grow in the first place!

We also have a few articles about the Department of Labor fiduciary rule, from a look at how tech providers are trying to step up to help advisors solve their fiduciary challenges even though advisors aren't asking for new technology solutions (outside of the independent broker-dealer community), to a look at the myths and misconceptions that still surround the fiduciary rule, how large firms are starting to hire third-party independent research firms to help substantiate their investment recommendations (and defend against potential fiduciary liability in the future), and why advisors need to review their E&O coverage to ensure that it will actually cover their potential fiduciary liability once the rule kicks in next April.

We wrap up with three interesting articles: the first provides a fascinating look at the history of financial planning itself, and the origins of the associations and institutions that support financial planning and financial planners today; the second is a new research study on how we decide what to delegate, finding that we're most likely to delegate decisions where we want someone else to take the blame and responsibility for a potential bad outcome (which is great for the delegator, but not so great if you're the financial advisor to whom the client's decision was delegated!); and the last is a review of the new book "Success and Luck: Good Fortune and the Myth of Meritocracy" by economist Robert Frank, which notes that while being talented and hard working still matters to have a chance to succeed, it's increasingly the role of luck to determine who the top winners actually turn out to be (though because "luck favors the prepared", your best chances still come from trying as hard as you can!).

Also, be certain to check out the video at the end, a speech by philosopher Alan Watts about how life isn't like travelling - where it's about the journey and the destination at which you arrive - but is more like music, where the whole point is not to get anywhere, but simply to enjoy the composition itself. Which has profound implications for financial planning, which in today's world is all about treating life goals as a journey to a destination...

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Enjoy the current installment of "weekend reading for financial planners" - this week's edition leads off with the big news that the Department of Labor's new rule on state-run retirement plans is finalized, and is expected to usher in a new era of states providing for automatic enrollment IRAs for employees who don't have access to employer retirement plans... and raising the question of whether businesses may soon stop offering 401(k) plans themselves, and just allow the state to fill the void instead.

From there, we have several practice management articles this week, from Bob Veres' advice about how to evolve your practice to better adopt technology and start bringing in the next generation of clients, to Ric Edelman's guidance on how to work with the media, a Joel Bruckenstein review of Advicent's new Narrator client portal, and a look at the current dynamics of advisory firm buyers and sellers (and David Grau's new book on advisory firm valuations).

We also have a few more technical articles, including: a new study finding that risk tolerance actually is relatively stable (implying that clients with volatile behavior during times of market stress may be doing it for different reasons); a review of the rules for how the Expected Family Contribution (EFC) is calculated for college financial aid; how the Initial and Special Enrollment Periods work for Medicare; and coverage of newly proposed Treasury Regulations that would severely crack down on the use of valuation discounts for family businesses, and curtail most family limited partnership (FLP) planning strategies.

We wrap up with three interesting articles: the first looks at the looming challenges that FINRA faces in trying to justify its existence and deal with a declining membership base of broker-dealers as CEO and Chairman Richard Ketchum retires, to be replaced with a new split-role CEO and Chairman; the second is a somewhat comic look at the things that some "financial advisors" say that suggests they're really still operating as salespeople (and how you need to really change your way of thinking to fully transition to being an advisor); and the last is an interesting historical look at the roots of the fiduciary duty, which actually traces back more than 1,500 years to Roman times, as even then it was recognized that experts in positions of trust need to be held accountable to a higher standard.

And be certain to check out Bill Winterberg's "Bits & Bytes" video on the latest in advisor tech news at the end, which this week includes coverage highlighting LPL's technology roadmap after the recent LPL Focus 2016 national conference (including its new "robo"-for-advisors Guided Wealth Portfolios), FutureAdvisor signing a deal with US Bank (the 5th largest commercial bank in the US!), and Betterment's new partnership with Uber that will allow Uber drivers to open an IRA directly from the Uber app!

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