After decades of experience working with and getting to know thousands of people whose job it is to give advice around insurance, investments and real estate, Ive observed a few traits that I personally believe are critical to long-term relevance.

If your clients want to reverse the trend of rising health care costs, its important to have a health benefits strategy in place that gives unhealthy employees access to low-cost, high-quality care.

While auto-escalation in 401(k)s isn't widespread, it's driving half of savings increases, Fidelity says.

We've just finished a study involving 300 senior health-care executives, along with top investors in the field. It's clear they see big changes in the years ahead, driven largely by pricing pressure across the industry.