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Financial advisers, at their best, should be working with clients to set goals, achieve results and do their utmost to aid in the accumulation phase (and beyond) of wealth accumulation.
The unfortunate part of that scenario is who can afford to hire an adviser and make use of the expertise. And the numbers appear to show the cracks. In a recent survey conducted by Bankrate.com, Americans are saying that cash investments are the best way to invest money not needed for more than 10 years.
Joel Kranc is Director of KRANC COMMUNICATIONS in Toronto, focusing on business communications, content delivery and marketing strategies.
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Employees are facing rising financial stress, retirement savings gaps, and competing priorities but new financial wellness trends are emerging to help.
A wide range of employers are expressing a greater desire to measure risk, achieve more predictable retirement benefit costs, and retain top talent.
Employer-provided home-saving accounts and educational resources can help workers achieve an increasingly elusive milestone in the current affordability crisis.
As employees decide whether to stay with their employer, support tied to student loan debt and education benefits is becoming a clear differentiator.
Cash-balance plans lead the way in groundswell of support for offering a more meaningful approach to generating retirement income for cash-strapped workers.
