There's a simple reason fee-based life and annuity product sales have been low: typical insurers have paid too little attention to the needs of RIAs, the people who have been selling fee-based products all along.

Although its become a trendy perk at some companies, alcohol can not only be a divisive issue in the workplace, it could impair recruitment for the best candidates who may be wary of a culture that embraces alcohol at work.

The approach: Let the state contract with wholesalers in Canada, importing cheaper prescriptions from up north and distributing them to the states health care system.

Across the country, there are stark differences in the well-being of Americans, according to Gallup and Sharecares 2017 State Well-Being Rankings.