Many employees still aren't utilizing their allotted paid time off, too afraid of what the absence will do to their workload.

To meet increasing demands and save themselves time and effort in expanding a voluntary portfolio, brokers should follow these five guidelines.

Top brokers suggest that communication and organization are key to more effective business practices.

Kiplinger evaluated all 50 states in terms of how suitable they'd be for retirement. Then we picked the top 7 western states.