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Retirement relates to all other parts of the financial pie, and that’s the conversation advisers should be having with clients.

Many good employers want to provide a strong benefit package, and they want to do it in a way that complies with legal requirements. Yet, “even an employer trying hard to do everything right can still face severe penalties because it’s so complicated to understand what’s required,” says HR solutions firm Infinisource, adding that “this is where the assistance of a broker can be more crucial than ever.” Why do employers need a broker? Here are nine compelling reasons, according to the firm.

While employers may recognize that the amount of time employees will spend in retirement is growing, people around the world fail to reflect this trend in their long-term financial planning.

Small companies can’t always offer their employees the big paychecks or stock options that larger companies can, or even those innovative companies often cited as one of the ‘best places to work.’ Still benefit advisers can work with employer clients to create a comprehensive benefit package and work culture that attracts talented employees. Four simple ways to win talent, according to Aflac, include:

The countdown is on for the U.S. Supreme Court’s decision on the Affordable Care Act and the legality of subsidies – with a decision that could have looming political implications leading into a heated primary election cycle.

Traditional product labels — core, ancillary, voluntary — are becoming blurred, making education on true risk exposure essential, says Aflac’s Ron Fields.

While many plan sponsors may choose the same firm to audit their benefit plan that audits their company’s financial statements, doing so may not always be the best choice, cautions the American Institute of Certified Public Accountants.

More brokers are inquiring about the product these days, and industry experts anticipate recent growth to continue as awareness spreads.

Commentary: Changing the course of ongoing consumer engagement will empower consumers to embrace the new consumer-directed health care dynamic and start changing their own behavior.

Commentary: This practice may be eliminating opportunities for investors to purchase products which could greatly improve the emotional and financial well-being of the client in their retirement.