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Less volatility, lower litigation risk and greater simplicity are reasons for embracing this strategy, says adviser Robert Lawton.

Separate brokers from their fee dependence and watch the smart ones evolve into consultative advisers, urges consultant Nelson Griswold.

Companies need to get employees moving in order to improve health, focus and productivity.

The Congressional Budget Office’s assessment that 7 million fewer Americans will have health coverage at work by 2027 ignores other opportunities proposed by the GOP, says CIAB’s Joel Wood.

In polling employees, a company discovers debt is holding them back from enrolling in other critical benefits, such as retirement.

Advisers could get more clarity thanks to a temporary enforcement policy for the new Fiduciary Rule.

Laden with challenges such as a lack of preventative programs, school districts need extra help with disability programs, says Standard’s Brian Kost.

State-government mismanagement, especially of pensions, has already created a danger that federal bailouts will become inevitable.

Adviser Mark Gaunya acknowledges a ‘sad truth’ from his recent visit to Capitol Hill — legislators aren’t interested in making insurance costs more transparent.

In the sedentary office environment, companies must find ways to motivate workers to be more active, including walking meetings, team sports and health workshops.