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Morgan Freeman and the Retirement Plan Redemption

Surely you have seen The Shawshank Redemption?  If not, stop reading and go watch it.  Right now. It is tied for number one on my list of all-time favorites, right beside Jaws and The Silence of the Lambs (Fava beans, anyone??). In the movie, Morgan Freeman plays...

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2015 Review: Economy & Markets

The U.S. economy and broad market showed modest gains during the year, although investor discipline was tested by news of a global economic slowdown, rising market volatility in China and emerging markets, falling oil and commodities prices, and higher U.S. interest rates. The S&P 500 Index...

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Due Care Bulletin – January 2016 – Recent Developmens Involving Genworth

Recent Developments Involving Genworth Genworth Financial, Inc. (Genworth) announced as part of its release of 2015 fourth quarter financial results that it is “actively pursuing multiple restructuring actions to separate and isolate [its] long-term care (LTC) business and narrow [the company’s] commercial focus, including through the...

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Economic Newsletter – Q4 2015

December 2015 Capital Markets Review Commentary The U.S. equity market posted a 6.3% return for the fourth quarter of 2015. The majority of the gain occurred in October as investors reacted to a better-than-anticipated earnings season combined with the Federal Reserve’s decision to leave short-term interest...

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2015 In-Force COI Increases: Background, Perspective, and Considerations

2015 In-Force COI Increases: Background, Perspective, and Considerations In the face of historically low interest rates, adverse mortality, increased reinsurance rates, and decreased profitability, some carriers have raised cost of insurance (COI) rates for in-force policies. The actions have raised questions, within the industry and...

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Economic Update – Q4 2015

The US economy capped off a year many might characterize as stagnant in Q4 2015. The national unemployment rate entered Q4 at 5%, and it would remain there through the end of the year. October saw an increase of 307,000 in nonfarm payroll employment, while...

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