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Commentary: We’ve all heard the discussion of transparency. Imagine if you could type in a condition, even multiple conditions, and up pops the physicians who have the greatest success and do it at the lowest cost.

Commentary: New ACA regulations, increasing employer demands and shorter workweeks due to holiday schedules make for difficult work. But the broker who rallies rather than wanes in this environment will be set apart.

Commentary: As most salespeople know, moving forward is tough, but changing behavior can help knock down obstacles. Here are eight ideas to get the wheels moving in the right direction.

Large group renewals, small group renewals, ACA reporting, and much much more. A number of events in the benefit calendar year converged to make the fourth quarter of 2015 a season to remember. How can brokers better prepare for Q4 2016?

Commentary: Many of the newer voluntary products have been strategically designed with a post-ACA lens in mind. When determining their 2016 short list of voluntary product recommendations, brokers should investigate six key areas.

Commentary: Improving the retirement plans that we run and advise will have a positive impact on our participants’ retirement readiness — and ultimately their retirement experience, says adviser John Ludwig.

Commentary: If your New Year’s wish is for the demise of the excise tax, be careful what you wish for, says Mercer’s George Lane.

Commentary: January can be one of the most active times for new clients and increased contribution levels in the education space.

Commentary: We have started telling our over­all retirement story at chapter three or four, instead of setting the foundation of the story first, says adviser Mark Singer.

Commentary: There needs to be a proactive, systematic and consistent business development and prospecting plan in place to successfully sustain your business, says columnist Jack Kwicien.