Joe Markland

The benefits market is undergoing a transformation and few operations seem fully prepared.

This move sends a signal to advisers that things are no longer business as usual, says Joe Markland.

Commentary: Creating a differentiator to open new doors when you are an adviser without a big venue to display your talents can be a challenge.

Commentary: Changes will attack the costs of health care and trickle down to benefit brokers. These outsiders may or may not see the broker as a valuable resource in their future world, says Joe Markland.