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Showing 322 results for "White Papers"
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PRODUCTS (0 RESULTS)
INSIGHTS ( 2 RESULTS)
How to Help Prevent Your Inner Alarm System From Hurting Your Investment Results
If you don't need it right away, deferring your Social Security income can have significant advantages.
PRACTICE MANAGEMENT (
OF 37 RESULTS)
Survey reveals how stress could be affecting your clients and their families
Fred Reish explains the myriad of opportunities for plan sponsors to manage their fiduciary responsibility and reduce their exposure to potential liability.
Communicating with someone with Alzheimer’s disease can be easier if we understand what’s happening in their brain and how it affects memory and communication.
The Advocate Effect: 6 ways to influence what clients say about you to their friends and family.
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Why It Makes Sense to “Retire With” Something
Be prepared if you’re called on to provide caregiving to an aging loved one
Fred Reish outlines how the use of dynamic QDIAs can replace the “one-size-fits-all” model with one that focuses on each participant as an individual with unique needs and goals.
Why the MIT AgeLab recommends building a network of longevity-related professionals to help solve the challenges of longer retirements.
Discover technology resources that can make life easier for caregivers.
How to help clients through the fourth phase of an 8,000 Day retirement. Many enter this phase alone, but they don’t have to be lonely.
MIT AgeLab insights about how the pandemic has hit the job market in unprecedented ways, but one specific group has been struck the hardest: women over the age of 55. Have a game plan to help any of your affected clients.
Your clients may have a limited view of what’s possible in retirement. They’ve heard the traditional story of old age where everyone lives happily ever after in leisure-filled retirements. This story is exactly what some clients are looking for. But some of them get bored with this story. They’re not ready to retire and relax. They want something more. Us this workbook to help them create their new story.
Learn a system that helps ensure you accomplish your daily priorities—and create a clear boundary between work and play.
Learn about four kinds of teams meetings your practice should be having.
Uncovering their unique history with money can help clients gain a deeper understanding of their relationship with money, and change any behaviors that might be interfering with their financial success.
Stressed clients may question fees when portfolios are down. Learn how to respond effectively if you’re asked, “Why am I paying you to lose money?”
Longevity is changing retirement (Do your services match up?)
Learn how to clearly define what role each person on your team plays.
While advisors have a lot of practice talking to their clients about estate and legacy planning, they don’t always take this same advice in preparing a succession plan for their own businesses. Learn 4 tips for succession planning
One-page overview about how to determine if it’s time to add a new team member.
An annual team offsite meeting is an opportunity to gather your team and spend time away from the office for a half-day annually. This piece provides a sample agenda for annual team offsite meetings and includes potential meeting topics.
Aging clients now expect financial advisors to prepare them for what they may confront in middle age and as older adults. Your ability to provide these services will depend not only on your value proposition, but the depth of your relationship with each client.
One-page overview about why annual offsite team meetings are necessary and suggested agenda topics.
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One-page overview that provides best practices for implementing team meetings.
One-page overview that provides tips on creating team roles and responsibilities.
Find out why successful teams usually also have people in three key roles: the Finder, the Grinder, and the Minder.
Avoid costly, panic-driven investment decisions during a crisis and remain focused on the long term
One-page overview of Hartford Funds teams resources.
See why college towns are ranked as some of the best places to retire
Building Your Longevity Network” financial professional workbook. Learn how to build a network of longevity-related professionals to help solve the challenges of longer retirements and differentiate your practice.
Help other business professionals master the art of time management. Use this coaching tool to help them stay on track and put you them in the best position possible to succeed
Clients' expectations of financial professionals are increasing. Learn the value of networking with longevity-based professionals and how to host a longevity-panel client event.
The decision of whether or not to team up with another advisor is one of the most important considerations a financial advisor can make regarding the future of his or her business. Consider these topics when mulling over the idea of forming a team.
: The new year is a perfect time to assess your team: what’s working, if the communication is clear and open, and if there’s the necessary trust and respect. Schedule a formal offsite team meeting to review last year, consider this year’s goals, and build a written plan to execute. It’s also a great opportunity to remind your team what your value proposition is, clarify roles and responsibilities, and set team goals for next year.
Some clients hit a rut in retirement. Too much golf and bike riding can get boring after a while. Inspire them to take on a learning adventure. The white paper explains how they can take courses from Harvard, MIT and other top colleges online for free.
LITERATURE (
OF 283 RESULTS)
A high-level look at this wide-reaching investment asset class.
For many companies, a stock split can reward existing shareholders and attract new investors.
Bond yields look attractive and non-US equities may merit a closer look.
Philosophically, there are good reasons why investors should expect ESG investing
to underperform. But practically, it doesn’t have to work out like that.
As central banks rush to raise rates to cope with high levels of inflation, the game has changed.
With the November elections looming, legislating will quickly fall behind full-on campaigning.
Could the stars be aligning for commodities?
Even if the Fed keeps raising short-term interest rates, bonds may stand to benefit.
No matter whether the White House and Congress are unified or divided, the stock market tends
to march higher.
Dollar-cost averaging has potential advantages—especially in volatile markets.
Sharp market declines can be painful, but stocks tend to bounce back relatively quickly.
Future downturns may also feature structural inflation. Be prepared.
A look at the upcoming lame duck session, Supreme Court hearings, and how the midterms may pan out.
Parts of the commodity complex have weakened, yet we believe the bull case is intact and commodities remain an effective potential inflation hedge.
The Consumer Price Index gets a lot of attention each month, but it's not the only game in town.
The third year of a presidency and the year after midterm elections have historically been good for investors.
Fixed income has seen historic drawdowns, but we believe it now offers a singular opportunity for longer-term investors.
Fred Reish discusses the types of managed accounts and the value that they can provide to plan sponsors and participants.
By providing defined-contribution plans, plan sponsors offer their employees what may be their only opportunity to save enough for retirement.
We look at what drives the equity-bond correlation, why it changes over time, and what it means amid the current uncertainty over interest rates and inflation.
As a degree of normality returns to markets, a focus on valuations must return, too.
For investors seeking income, here are some important ideas worth keeping on your radar.
Consider adopting a portfolio rebalancing strategy—even during down markets when it’s tempting to let your “winners” keep growing while your “losers” are taking their lumps.
Previous market conditions made de-risking seem, well, risky. Times are changing.
Value stocks in Europe are the unloved of the unloved, but they've actually offered more growth than growth stocks. Three charts tell the story.
The tech landscape may continue to be impacted by competing macro headwinds, but enduring secular trends may continue to drive growth.
Your portfolio may not be as diversified as you think.
Concerns about persistent inflation, recession risks, and further disruptions to Europe's energy supply drove negative returns across most fixed-income sectors as spreads widened.
Volatility is an ever-present part of investing.
Yields? Distributions? Yield-to-Worst? What you emphasize depends on what clients want from a bond fund.
A visual tour of the global economy for the second quarter of 2023.
Yields? Distributions? Yield-to-Worst? What you emphasize depends on what clients want from a bond fund.
Retirees beware: Excessive withdrawal rates in down years can quickly deplete your portfolio.
Fred Reish shares tips on how to mitigate risks and avoid problems when drafting 401(k) Investment Policy Statements.
This quarter-by-quarter checklist serves as a practical way to ensure plan committees spend time each year on the most important issues that affect their plans.
Why a client’s friend circle may be a key to successful aging
While near-term inflation is likely to abate, structural drivers could continue to present a risk for investors.
The unpredictability of macroeconomic events abroad may support maintaining a strategic allocation to international equities.
College can be expensive, but there are abundant grants and scholarships available if you know where to look.
Discover how high-anxiety clients behave, and how can a financial professional can actively address how they feel as well as how they invest.
Effective DC plan diversification begins with offering an array of divergent investment options and involves ongoing efforts to help guide participants so they can increase their prospects of financial security.
Make equity risk work harder to enhance capital growth potential.
With inflation high and commodity supplies low, a secular bull market may not be far off.
Help plan sponsors address deficiencies and identify areas of
opportunity in their retirement plan.
Investors seeking a sound decumulation strategy must consider a host of variables, including risks that weren’t on the radar when they were accumulating assets.
Rate hikes are meant to curb inflation, but could also impact your portfolio.
Invite clients to find out how the answers to three simple questions can actually predict how rich and satisfying their retirement years will be.
SAVE
June 2022 seemed like a low point. But conditions for a true bottom haven't materialized—yet.
Financial professionals have the experience to help plan sponsors and participants through turbulent market times.
Expectations for growth remain disappointing, but fixed-income valuations are improving.
For central banks the inflation fight is on, but policy and market responses will vary in the coming months.
Following a higher-than-expected inflation print and the Fed’s latest rate hike, what are the potential implications for fixed income and equities?
Properly structured meetings can help plan fiduciaries engage in prudent processes and decision making
Financial Professionals and Plan Sponsors have a fiduciary obligation to recommend appropriate investments for their retirement plan and their retirement plan clients.
Financial literacy is often overlooked in school; here’s how you can help set them up for financial success.
Fred Reish discusses how by properly managing high-risk issues, plan sponsors can reduce their fiduciary liability insurance costs and, more importantly, reduce their chances of being sued.
The Department of Labor just released its new proposed regulation to expand the use of ESG factors for retirement plans
The risk of stagflation favors potential inflation hedges such as commodities and gold.
Plan participants now face a variety of financial threats: market performance, soaring inflation and
economic uncertainty. As a defined-contribution plan sponsor, you can help.
While equity-markets investors may be optimistic, the latest rallies may not have a leg to stand on.
A wild 2022 has created some attractive opportunities for credit investors with long time horizons.
There's a term for that: sticky inflation.
We explore three key considerations for EM investors in today’s challenging environment and highlight potential winners and losers in 2023.
Thematic investing in megatrends can help allocators navigate an evolving investment landscape.
Can value's recent outperformance be sustained? Here are some questions worth asking.
Fred Reish highlights SECURE 2.0 Act provisions that will become effective in 2024.
As the Fed continues to battle inflation, recession and recovery will be top of mind in 2023.
In this new world, valuations should begin to matter in a way they haven’t for the last decade.
Value stocks can be found in many areas of global equity markets, but four areas in particular are catching our attention.
Yields also reacted to the the anticipated inflationary impact of China reopening and the repricing of higher-for-longer Federal Reserve policy rates.
Bank-loan bonds are priced in the low-90s and offer both income and appreciation potential.
While emerging-market economic growth appears to be set to slow in 2023, there
are four factors that have the potential to support equity markets over the year.
With the end of the low-inflation era, expect seismic shifts in the economic landscape.
The 2022 macro environment was hard on stockpickers. The time may be ripe for some new strategies.
While we're rowing in the same direction for retirement saving, we’re not all in the same boat.
For plan sponsors and asset managers, demonstrating the value of sustainable investment options will be vital.
Fred Reish reviews key provisions of the SECURE 2.0 Act that become effective in 2025 and beyond.
Big changes for IRA and retirement plan RMDs
After decades in hibernation, inflation’s back. Here are the basics about this invisible thief.
In light of recent bank failures, what could happen next for fixed-income and equity markets?
After the worst start for markets since the Great Depression, here's what investors should consider.
See how your 401(k) plan stacks up to industry averages.
As debt ceiling measures approach their deadline, both parties grapple with how to pass their initiatives.
Fixed income comes in many flavors and can serve a variety of roles in a portfolio.
Anxious investors could miss out when trying to avoid turbulent markets.
In response to stress in the banking sector, deposits are rapidly flowing into money markets. Markets repriced expectations for policy rates, forecasting a more dovish approach to maintain systemic financial stability.
The usual growth-value cycle appears to be tilting toward pure-play firms with upside potential
Innovation, pandemic recovery, and technological advancements all bode well for the sector.
Attractive yields, strong fundamentals, and lower relative default risk make municipal bonds attractive in our view.
A framework that seeks to improve returns in a variety of macro environments.
Despite recession fears, our research shows that sticking with small caps now may be prudent.
Coming off a challenging backdrop in 2022, the outlook for fixed income looks brighter.
With the X date and a new election cycle fast approaching, Washington contends with multiple
time-sensitive challenges.
We believe value stocks look attractive relative to growth stocks and have multiple tailwinds in their favor.
Increasing interest in managed accounts has caught the eye of plaintiff’s attorneys. Fred Reish discusses steps advisers can take to reduce their risks.
Concentration works in an investor’s favor when the top-performing stocks perform well, but history suggests this strong performance likely won’t last.
It's already been a volatile start to 2023 as companies and markets adjust to higher interest rates. Tighter credit conditions may add to the likelihood of a recession.
After more than a decade of US equity outperformance, three factors point to a potential pivot in favor of international equities.
Higher interest rates and inflation may favor international investing going forward.
With continued volatility, we may see better opportunities to re-risk later this year.
Dividend-paying stocks can help you offset the damaging impacts of inflation on your portfolio.
Your portfolio's risk profile should align with your investment goals. That's especially true as you approach retirement, when losses can really hurt.
Sustainable investing is becoming more mainstream. Here are some key things to consider.
Sticking with stocks in turbulent times requires patience—but it has historically paid off.
With today’s rising lifespans, we could be facing roughly 20 or more years in retirement, which is approximately 8,000 days. Once thought of this way, it becomes clearer that retirement is not an end, but rather a new, complex, and unknown phase of life, during which so much could happen.
Events are a great way to connect with clients and prospects. By having a plan, you can execute the process with relative ease.
3D virtual worlds beckon you for business and play. So, what's it all about?
Learn an easier way to prospect by finding ideal prospects with LinkedIn. Then learn how to turn those prospects into clients.
The recent passage of some Democratic legislation may boost their odds in midterms, but stubborn inflation and a recession could help Republican candidates up and down the ballot.
Bring Up Your Clients' Favorite Topic: Being a Grandparent
Bank loans are at one of their cheapest levels in history; we think it’s an opportunity.
We can customize this invitation for your 8,000 Day client events. To get started, download and fill out the invitation order form. Then email it to: seminar.invitations@thehartford.com.
SAVE
This seminar invitation welcomes clients to learn about three main factors that can impact Social Security benefits.
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Invite clients to learn the historical patterns of crisis and the market's ability to grow wealth through recessions and bear markets.
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Three Questions that Can Predict Future Quality of Life whitepaper
Hartford Funds offers four presentations that qualify for PDCs towards recertifying your SHRM designation
Learn about the new array of devices and services that will make it easier for us to work, stay healthy, and live at home as we age, all while remaining connected to friends and family.
The myth that ERISA favors passively managed funds over actively managed funds is not correct.
When investors talk about sustainable investing they tend to speak in terms of equities, but it plays a crucial role in debt markets as well.
Most college graduates have debt as well as degrees, but there are a number of ways to manage and overcome student debt.
Client piece that helps clients discuss eldercare with their aging parents.
This flyer provides an overview of the MIT AgeLab and the insights they provide.
An overview from the Hartford Funds Multi-Asset Solutions Team
Medicare can be tough to understand. It doesn’t have to be.
A breakdown of which asset classes have outperformed during periods of rising and falling inflation.
Education and longevity are raising clients’ expectations of advice. A client-focused framework models what may be considered valuable to different generations using three distinct value propositions.
Most fixed-income spread sectors posted positive excess returns, supported by UK political stability, declining gas prices in Europe, and a shift in expectations away from rapid interest rate hikes by major central banks.
A look at downside mitigation given the shifting equity/bond correlation, the impact of cyclical and macro volatility, and opportunities to position for long-term change.
As the economy slows and inflation crests, the opportunity to earn yield is considerable.
Most global sovereign yields fell sharply, and fixed-income spreads continued to compress following a partial easing of COVID lockdown restrictions in China. They were also supported by a dearth of new issuance, particularly among higher-yielding sectors.
2023 IRS Limits for Retirement Plans, IRAs, and Other Employee Benefits
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