Bruce Shutan

As many as 70% of Americans don't have a will, trust, health or funeral directive as the nation gears up for its largest wealth transfer ever.

Advisers can help employers compete for C-suite talent amid major demographic shifts by highlighting nonqualified plans to supplement core benefits.

Pressure continues to mount on producers to deliver more customized benefit packages and consultative services to satisfy the needs of more demanding clients.

Key to cost containment lies in partnering with transparent PBMs, a more thoughtful approach to prescribing GLP-1s and encouraging the uptake of biosimilars.

Brown & Brown's Erika Illiano suggests finding the right decision-support tool and constructing a compelling narrative around various coverage options.

Advisers can do a better job equipping employees with the knowledge they need to make better benefit choices.

Communication challenges will include personalizing benefit messaging to five generations working side by side, and designing affordable healthcare coverage.

More thoughtful communication can help sell benefit plan participants on equitably sharing responsibilities, as the need for hyper-personalized messaging grows.

Benefit advisers appreciated collaborative conversations around delivering high-value, personalized benefits that resonate with employees' needs.

Scripta's extensive pharmacy and therapeutics committee featuring 23 practicing clinicians offers independent third-party insight into drug pricing.