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Table of Contents

August 2009

Cover Story
There's a lot of talk these days about brokers shifting into more advisory roles. In fact, the trend has been discussed a lot over the last few years. But as revenue streams continue to dry up faster than the government's stimulus funds, more and more brokers are looking to ensure their own survival by adapting to a new way of doing business....


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Feature Content

Health care's jumbled maze
These days, trying to keep up with what’s taking place on Capitol Hill with health care reform requires...

Marketing that's good to the last drip
I’d just pulled up to the Four Seasons and was ready to check in and rush off to a meeting when the bellman looked in my trunk...

Special Feature

401(k) gloom offers silver lining for advisors
Over the past year, terms like "meltdown" and "crisis" frequently have been used to describe our global financial markets. And if you're like most Americans, at some point those terms have become more than just impersonal headlines -- they've turned into first-hand headaches....

Health care costs during retirement
Many people assume Medicare will cover most all of their health care costs, while Medicaid, the health care program for the poor, will cover them when they have depleted their assets and are in need of nursing home care. But neither program...

Sections

Columns
On Second Thought
Don't you just hate it when some pompous TV attorney asks a witness a question, then cuts him off by saying, "That'll be all," or, "A simple yes or no will do?"...

Beyond the Beltway
As the health care debate unfolds, it has become clear that if the debate focuses solely on the issue of expanding coverage to the some 45 million Americans who lack it, then health reform will be a significant achievement -- and also a terrible missed opportunity....

Competitive Advantage
I recently came across a chart we created about 25 years ago when the company I worked for first entered the voluntary benefit market (a brass ring goes to anyone who remembers Capitol Bankers Life)....

Storeylines
One of the things you learn early on in journalism school -- right after the "Wow, we all really do suck at math" epiphany -- is that you just never know what will set your readers off....

Exit Interview
Danielle Kunkle is the co-owner of Consumer Benefits Group, a family-owned agency specializing in Medicare products. As a Medicare Supplement Accredited Advisor, she focuses on Medicare education for Texas beneficiaries, so they can make informed coverage choices....

Top Ten Selling
Jim missed his quota last year because of unexpected customer cancellations....

Departments
Employers Speak Out
As many baby boomers are forced to put off their retirement they're facing the bleak reality that their Social Security...

Benefits Newswire
Costs for pharmaceuticals in 2009 have increased by 15.19 percent, dramatically reversing a four-year downward trend in prescription drug prices, according to survey findings by Buck Consultants, an ACS company....

CUNA Mutual Group has acquired CPI Qualified Plan Consultants Inc., a Kansas-based retirement plan record keeper and the largest employee-owned third party administrator....

Interactive Health Solutions recently announced it has honored 82 firms nationwide as the "healthiest companies in America" for 2008....

A joint study from WorldatWork and Hay Group found over half of companies surveyed plan to increase their focus on employee engagement as a measurement of reward program success....

Multicultural populations in the United States can take advantage of MassMutual's recently updated eligibility requirements and foreign travel guidelines....

Ann Slotwinski

Ann Slotwinski, assistant vice president, Third Party Administrator (TPA) Services, John Hancock Retirement Plan Services (RPS), has been appointed as a member of the board of directors for the National Institute of Pension Administrators (NIPA), an organization dedicated to enhancing professionalism in the retirement plan industry by providing opportunities for professional growth through relevant, comprehensive, quality programs and designations.

Slotwinski will serve a three-year term in which she will work with the other members of the NIPA Board of Directors to provide strong leadership for the association, strategic guidance and to set a sound and accurate course for its future. 

 

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