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Three of WellPoint Inc.’s 11 board members have stepped down, citing personal reasons for their decision to depart about six weeks after a new chief executive officer took over at the second-largest U.S. health insurer.

Learn how to turn a referral into a quality introduction with five critical things you should do, according to Bill Cates. Bill Cates is this author of several books including Get More Referrals Now! Cates blogs for Financial Planning, a SourceMedia publication.

On average, employees with both 401(k)s and health savings accounts tend to save more of their annual salaries (8.5% average annual deferral rate) in their DC accounts than employees with just a DC plan (8.1%).

In a scenario where retirement income and wealth account for 100% of an investor’s simulated retirement expenses, a model projects that around a quarter of baby boomers and Gen Xers who would have had sufficient retirement income under interest rates at historical averages would run out of money if the current low rates were taken as a permanent condition.

Forty-one percent of those surveyed said they have held off on hiring new employees as a result of the ACA. “One of the most concerning unintended consequences of the Affordable Care Act is that we see employers looking to stay under the 50-employee threshold, if at all possible,” says one expert.

Being present and competent is the order of the day once the ACA becomes a reality, says blogger and UBA CEO Thom Mangan. Brokers need to act as a conduit, or contract with a conduit, to help employees navigate through. A lot of these issues fall on the shoulders of the human resources department, but a broker or adviser needs to offer comprehensive care.

Making connections is as important as ever, though the process is changing considerably.

Wall Street banks collected $215.6 million that Denver’s public schools paid to unwind swaps and sell bonds since the district began borrowing to cut pension costs in 2008. That sum is about two-thirds of annual teaching expenses.

Detroit may run out of cash next month and must cut costs such as long-term debt and retiree obligations, according to emergency financial manager Kevyn Orr’s preliminary plan to improve services and keep Michigan’s largest city out of bankruptcy.

At the end of 2012, $1.3 trillion was held in the U.S. in ETFs, which got started 20 years ago by State Street Corporation. The ability to trade shares in the funds as if they were shares of stock has made them an increasingly significant part of equities.