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With the U.S. labor market more competitive over the past few years than any time in recent memory, brokers and advisors have been on the lookout for creative approaches to building a high-performance workforce on behalf of their employer clients.

One key trend has been incorporating affordable family-forming programs into employee benefit packages. It has proven to be a winning formula for talent management given how the family unit has undergone dramatic change. Households now include same-sex partners, single parenthood and working women who become parents later in life with the help of fertility treatments, adoption or surrogacy. The desire to have children transcends all backgrounds.