Analysis

Despite challenges in the near-term, there appears to be a potential upside for voluntary benefits.

Rate changes in 2021 are likely to be driven by a number of factors, including shifts in insurance enrollment.

During uncertain times, fewer children are born, which could have implications for Social Security and more.

Gen Z says it's been hardest hit financially; others have startling misconceptions about stimulus checks.

They capture less of the downside and have lower volatility ratings than non-ESG funds.

For example, clients born in 1960 could collect a lot less than expected, according to Wade Pfau.