Many of those who specialize in Disability Insurance (DI) do so with more than just the bottom line in mind. We think DI Awareness Month is special because we recognize its fundamental importance to working Americans.
America is about to be swept up in a Silver Tsunami, and the forecast indicates an approaching storm that will linger for decades.
In celebration of Long-Term Care (LTC) Awareness Month, we’ve collected some of our most helpful resources to open the LTC conversation with clients. These robust sales supports not only offer insight into LTC planning but provide ready-to-share communications to help clients understand the importance of LTC planning and the financial protection it offers.
Highland has a dedicated and knowledgeable DI team that provides the expertise, processing support, and advocacy to get cases done expediently and correctly, allowing you to easily deliver holistic, balanced risk management plans for your clients.
There’s no more appropriate time than Life Insurance Awareness Month to ensure your clients’ life insurance policies are living up to expectations.
Highland Capital Brokerage takes the protection of your and your client’s data very seriously. Our organization deliberately promotes a culture of cybersecurity and cyber readiness to manage risk and safeguard data. We are one of the only financial distribution companies that has made a significant investment to become SOC 2 compliant, and continually test and update our cybersecurity capabilities to effectively prevent and combat attacks.
Disability insurance may not be the first type of income protection a client considers, but this critical financial safety net can be an important part of any comprehensive plan by protecting a client's most important asset: the ability to earn.
Reviewing your clients’ life insurance and annuities may be even more important this year than in past years. Life or health changes, economic or financial shifts, poor performing products—any or all of these may be leaving unintended and unnoticed gaps in coverage. What’s different for your clients this year?
Eligible clients may benefit from the tax advantages qualified charitable deductions may offer.
Discover alternatives to the Stretch IRA for clients who plan on passing IRA assets to beneficiaries.
To rollover or not rollover a 401(k) sounds like a simple question. The answer, however, can be quite convoluted. Let's start breaking it down by addressing a few questions you should ask clients prior to rolling over a 401(k).
Client appreciation events have always been an excellent way to show gratitude to your existing client base, create a loyal community around your practice, and increase referral business. In working with advisors, we've seen a variety of successful events—from a Valentine’s gala for singles, to summer barbeques and carnival rides, to annual family photos with Santa Claus. When done well, an appreciation event not only shows your existing client base a great time, but it also gives them something to look forward to and makes them proud to invite friends.
The Consolidated Appropriations Act, 2021, which combines stimulus relief for the COVID-19 pandemic and appropriations for the federal fiscal year ending September 30, 2021, was signed into law on December 27, 2020 by President Trump. The Appropriations Act amended section 7702 of the tax code, which defines the term ‘life insurance contract’ for federal income tax purposes.
When planning an early surrender or excessive withdrawal of an annuity, you and your clients must factor a market value adjustment (MVA) into the transaction. Learn the basics of MVAs in relation to the current economic environment in “The MVA Opportunity and Landmine.”
Whether you’re an RIA or an IAR, you have a fiduciary duty to act in the best interest of your clients. As such, you have a “duty of loyalty” and a “duty of care” to your clients and must always place their interests above your own. Part of this duty is to identify and either eliminate or fully disclose any conflict of interest.
With increased federal spending in response to COVID-19, there is growing concern that personal income taxes will rise over the next few years, forcing high-net-worth clients to look for tax-efficient ways to invest their money. Many will look at a Roth IRA, but there are two primary limitations to this plan: maximum income limits and the maximum contributions limits.
Life insurance is an important and often forgotten part of financial planning. Now is the perfect time to discuss with your clients how important life insurance is not just for them, but for their families. Share it now! Encourage those you know to speak with an advisor today.
Chances are, 70% of Americans will need long-term care at some point in their lives. Some will choose to self-fund that care, potentially putting their retirement assets at risk. Others will choose to be proactive by opting for long-term care coverage.
As you continue reaching out to clients virtually, it’s important to provide long-term care information that is easy for them to access, understand, and apply to their own longevity planning situations and objectives. Highland is here to help. We’ve produced two videos for you to share with clients to open up the longevity planning discussion—even remotely—and help them understand some basics about available long-term care products.
Electronic health records (EHRs) have been receiving a fair amount of buzz in the underwriting world. A more efficient –and contactless—way to procure medical records, the growing popularity of EHRs has been further spurred by COVID-19’s limitations on face-to-face exams.