Here's a bad mix hitting some parts of the U.S.: A housing affordability crisis, underemployment, banks that offer loose credit, and debt-stricken retirees.

Along with the oceans and the temperature, the retirement age worldwide is rising.

In part 2 of this episode, we will ask David Contorno, President of Lake Norman Benefits and Benefits PROs 2015 Broker of the Year, about performance-based compensation and his belief that it puts advisors in a much better long-term position.

Will the GOP tax bills that change the new pass-through rates lead to widespread retirement plan termination by small business owners? Not necessarily, but there are other possible consequences.