The Corporation for Social Security Claiming Strategies provides training and certification for advisors on Social Security retirement benefits. It created the Certified in Social Security Claiming Strategies designation for professionals to gain expertise in advising clients on optimal Social Security claiming strategies. The organization offers various membership levels that provide tools and resources like guides, calculators, and expert support to help advisors build comprehensive retirement income plans focused on maximizing Social Security benefits. It developed the training program and certification in accordance with industry standards to empower advisors to provide detailed explanations and advice to today's informed retirees.
This document provides information about an upcoming conference on Canadian workplace pensions on September 29-30, 2015 in Toronto. The conference will discuss topics such as pension reform, plan governance, de-risking strategies, and communication with pension plan members. It lists the conference speakers and schedule. Attendees can earn continuing professional development hours for legal societies. The document encourages registering for the conference and offers various pricing options.
Long-term care insurance provides coverage for daily assistance needed due to illness, injury, or frailty. About 50-75% of people over 65 will require long-term care, which can cost $200 per day or $72,000-75,000 annually. Offering employer-sponsored long-term care insurance benefits both employers and employees by improving productivity and protecting retirement savings from the high costs of care. Multi-life long-term care insurance plans offered at the workplace allow customized benefits for employees and their families at discounted group rates with tax advantages.
This document discusses strategies for building a sound financial plan, including managing expenses, increasing income, paying down debt, establishing an emergency fund, and investing for long-term growth. It emphasizes the importance of working with a licensed financial advisor to develop a customized plan based on individual needs and goals. The advisor can help assess the client's situation, recommend appropriate products and services, and ensure the client is comfortable with the choices made.
Kevin Brunner focuses on creating guaranteed retirement income for clients rather than chasing returns. He believes most financial advisors focus on growing assets for their own benefit rather than their clients' needs. Brunner works with small business owners, providing holistic advice on business structures and taxes. His goal is to maximize retirement income through tax efficiency and eliminating inefficiencies.
The document introduces a retirement solutions program called Retirement Solutions that provides innovative products and services to help current and future retirees maximize their assets and plan for retirement income. The program offers IRA rollovers, income solutions like lifetime annuities, real estate assistance, and resources. It is available exclusively to credit union partners and their members to help establish the credit union as a trusted resource for retirement planning.
The Irwin Siegel Agency is a leading insurance provider serving the human and social services field. It offers comprehensive insurance packages including property, crime, commercial auto, general liability, professional liability, and umbrella coverage. The agency is committed to providing excellent service and support to clients through dedicated staff, risk management resources and training, and partnerships that provide additional benefits like discounted background checks and online training courses. It has served the human and social services sector for over 40 years.
The document discusses alternatives to long-term care insurance (LTCI) for covering long-term care costs, including self-insuring using personal savings and income, using life insurance policies that allow access to death benefits for long-term care costs, and applying for Medicaid assistance. It notes that while LTCI provides dedicated coverage for long-term care, it can be expensive with a risk of paying premiums without ever needing the insurance. The alternatives aim to use existing assets like life insurance or qualify for government aid through Medicaid to help pay for long-term care.
Supplemental disability insurance is seen as important for highly compensated employees to ensure adequate financial protection if they become disabled. Most group long-term disability plans only replace 60% of base salary and do not cover bonuses or retirement contributions, leaving many earning over $75,000-$100,000 underinsured. Supplemental disability insurance like DI@Work from Berkshire Life can help fill this gap by offering flexible, affordable individual coverage that is portable and can increase over time without medical underwriting. This represents an opportunity for brokers to enhance their services and earn higher commissions.
This document provides information about an upcoming conference on Canadian workplace pensions on September 29-30, 2015 in Toronto. The conference will discuss topics such as pension reform, plan governance, de-risking strategies, and communication with pension plan members. It lists the conference speakers and schedule. Attendees can earn continuing professional development hours for legal societies. The document encourages registering for the conference and offers various pricing options.
Long-term care insurance provides coverage for daily assistance needed due to illness, injury, or frailty. About 50-75% of people over 65 will require long-term care, which can cost $200 per day or $72,000-75,000 annually. Offering employer-sponsored long-term care insurance benefits both employers and employees by improving productivity and protecting retirement savings from the high costs of care. Multi-life long-term care insurance plans offered at the workplace allow customized benefits for employees and their families at discounted group rates with tax advantages.
This document discusses strategies for building a sound financial plan, including managing expenses, increasing income, paying down debt, establishing an emergency fund, and investing for long-term growth. It emphasizes the importance of working with a licensed financial advisor to develop a customized plan based on individual needs and goals. The advisor can help assess the client's situation, recommend appropriate products and services, and ensure the client is comfortable with the choices made.
Kevin Brunner focuses on creating guaranteed retirement income for clients rather than chasing returns. He believes most financial advisors focus on growing assets for their own benefit rather than their clients' needs. Brunner works with small business owners, providing holistic advice on business structures and taxes. His goal is to maximize retirement income through tax efficiency and eliminating inefficiencies.
The document introduces a retirement solutions program called Retirement Solutions that provides innovative products and services to help current and future retirees maximize their assets and plan for retirement income. The program offers IRA rollovers, income solutions like lifetime annuities, real estate assistance, and resources. It is available exclusively to credit union partners and their members to help establish the credit union as a trusted resource for retirement planning.
The Irwin Siegel Agency is a leading insurance provider serving the human and social services field. It offers comprehensive insurance packages including property, crime, commercial auto, general liability, professional liability, and umbrella coverage. The agency is committed to providing excellent service and support to clients through dedicated staff, risk management resources and training, and partnerships that provide additional benefits like discounted background checks and online training courses. It has served the human and social services sector for over 40 years.
The document discusses alternatives to long-term care insurance (LTCI) for covering long-term care costs, including self-insuring using personal savings and income, using life insurance policies that allow access to death benefits for long-term care costs, and applying for Medicaid assistance. It notes that while LTCI provides dedicated coverage for long-term care, it can be expensive with a risk of paying premiums without ever needing the insurance. The alternatives aim to use existing assets like life insurance or qualify for government aid through Medicaid to help pay for long-term care.
Supplemental disability insurance is seen as important for highly compensated employees to ensure adequate financial protection if they become disabled. Most group long-term disability plans only replace 60% of base salary and do not cover bonuses or retirement contributions, leaving many earning over $75,000-$100,000 underinsured. Supplemental disability insurance like DI@Work from Berkshire Life can help fill this gap by offering flexible, affordable individual coverage that is portable and can increase over time without medical underwriting. This represents an opportunity for brokers to enhance their services and earn higher commissions.
The Institute of Medicine's report, Unequal Treatment: Confronting Racial/Ethnic Disparities in Health Care, cited more than 175 studies documenting diagnostic and treatment disparities of various conditions among racial/ethnic populations, even when confounding factors (e.g., insurance and socioeconomic status, comorbidities, age, healthcare venue, stage of diseases) were controlled for in analyses.Specific examples include higher rates of hypertension, diabetes, breast cancer, cervical cancer, colon cancer, and cardiovascular diseases in African Americans; diabetes in Native Americans, Alaskan Natives, and Latino populations; and heart disease mortality in certain Asian American, Latino or Hispanic, and Native American groups.Lower rates of immunization and higher rates of infant mortality have been reported in African American, Hispanic, and Native American populations.
This document announces a retirement plan protection workshop for plan sponsors. The workshop will provide updates on regulatory issues facing retirement plans, how to respond to investigations by the Department of Labor, and how to document processes to protect fiduciaries from liability. It will feature presentations by Bradford Campbell, former head of the Employee Benefits Security Administration, and Anthony Agbay, a retirement plan consultant. The workshop will be held on December 3rd and provide 2 hours of CPE credit.
The Metropolitan Economic Development Association (Meda) was awarded a $90,909 grant from the U.S. Small Business Administration to help small science and technology firms bring innovations to market and create jobs. Meda was one of only 22 recipients nationwide to receive funding totaling $2 million. The grant will fund a program at Meda to provide guidance and expertise to help tech startups locate federal funding and contracts. This funding will help Minnesota businesses become more competitive in science and technology. All small science and technology firms in the state will be eligible for assistance through the program, including training, mentoring and help competing for federal grants and contracts.
Insurance in Superannuation - Challenges in the current marketStephen Huppert
This document summarizes challenges facing the insurance market in Australian superannuation funds. It discusses how poor pricing and claims management have led to significant premium increases of 25-40% for some funds. Contributing factors include increased mental health claims, loosened definitions, and late reporting of claims. Insurers are now seeking to improve data, tighten definitions, enhance claims management, and work more closely with employers and funds to help stabilize the market. The sustainability of insurance in super is uncertain if premiums continue rising substantially.
Developing an inclusive policy on Microinsurance Regulation: The Kasagana-ka ...ICMIF Microinsurance
This presentation was delivered by Ms Maria Anna Ignacio (Executive Director at KDCI/ KMBA, The Philippines) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines)
The document discusses optimizing Social Security benefits and lifetime income in retirement. It provides an agenda covering retirement facts, Social Security basics, filing strategies and recent changes. The presentation is intended to help clients better understand how to maximize their Social Security income and address concerns around having enough money in retirement given increasing lifespans. Key topics include Social Security calculations, the impact of claiming age on benefits, spousal and survivor benefits, and strategies for filling potential gaps in income.
- Group long-term disability insurance (GLTD) typically covers only 60% of income and has maximum monthly caps, leaving many people with significantly lower incomes if disabled. GLTD also excludes bonuses, commissions, and may not cover partial disabilities.
- Over 90% of disabilities are caused by illnesses rather than accidents, and can happen to anyone. However, most people assume they are young and healthy or covered by their employer so do not purchase individual disability insurance.
- Purchasing a supplemental individual disability income policy can fill in the gaps in coverage left by GLTD policies to better protect one's full income and lifestyle in the event of a disability. It can be designed to cover bonuses and partial disabilities
The document discusses supplemental benefits that companies offer executives, including long-term care insurance. It notes that over 75% of Fortune 1000 companies offer supplemental retirement plans, and over 30% offer excess disability or supplemental death benefits. The need for long-term care insurance is increasing as people live longer lives. Many companies expect demand for long-term care programs to rise in order to attract and retain employees and executives.
This document provides an overview of a presentation on taking control of one's financial future. The agenda covers planning for the future, protection, wealth accumulation, retirement planning, estate planning, and business planning. It emphasizes starting financial planning early, having protection through insurance and savings, maximizing savings potential over a lifetime, and developing a comprehensive plan to meet financial goals. Regular monitoring and adjustments are important as circumstances change. Working with a financial professional can help navigate complex financial issues.
This document summarizes the Northwestern Mutual Financial Network internship program. It notes that the program has trained over 25,000 interns since 1967 and that 1 in 3 eligible interns become full-time representatives. The internship focuses on personal and professional growth through business experience, networking skills development, and potential licensing. Interns can earn up to $2,000 per period through commissions in addition to valuable training and experience.
This document provides information about purchasing a 3Com CISCO ASS1 CARD from Launch 3 Telecom. It describes how to purchase the product through their website or by phone, details their payment and shipping policies, and outlines the warranty and additional services offered, such as repairs.
Gestión de contenidos, finanzas y recursos empresarialesValeria Ortuño
La gestión de contenidos permite crear y administrar contenido web de forma estructurada. Permite separar el contenido del diseño y publicar contenido de forma dinámica e interactiva desde una base de datos. Los sistemas ERP integran los procesos empresariales como producción, logística y finanzas para optimizar los recursos y compartir información.
Este documento resume los impuestos estatales según la Ley Orgánica de Hacienda Pública Estadal de Venezuela. Explica que los impuestos estatales se recaudan a través de estampillas, timbres fiscales y peajes, y deben usarse para satisfacer necesidades colectivas y estimular el crecimiento económico. Define la hacienda pública estadal como los bienes, derechos y obligaciones del estado. Finalmente, detalla los contenidos clave de la ley como los tributos, contribuciones especiales, y que regula los impuestos
The document contains a list of words with repeated letters and sounds, including: step, send, shell, ever, said, any, many, desk, cent, held, head, dead, spent, fresh, twelve, twenty, seven, seventeen, seventy, ready, present, lesson, heavy, breakfast, and February. The words demonstrate phonetic patterns and spelling rules for repeated letters and sounds.
El documento describe el Proceso Unificado de Desarrollo (UP), un marco de trabajo genérico para el desarrollo de software que utiliza modelos UML. El UP es un proceso iterativo e incremental dirigido por casos de uso y centrado en la arquitectura. Se compone de fases como requisitos, análisis, diseño, implementación y pruebas, las cuales se dividen en iteraciones que producen incrementos en el producto de software. El UP reduce el riesgo al permitir la pérdida solo de lo realizado en una iteración.
Este documento describe la cosmología y medicina tradicional de los Zenúes, un pueblo indígena de la costa caribe colombiana. Explica su visión del mundo que incluye una geografía sagrada de los montes donde habitan los espíritus. También describe sus creencias sobre las enfermedades causadas por los espíritus y su tratamiento a través de la medicina tradicional practicada por los "curiosos". Finalmente, detalla el proceso de aprendizaje y iniciación de los curiosos, incluyendo sueños, visiones
El documento propone trabajar actividades en el aula que fomenten valores como el respeto, la tolerancia y la solidaridad para mejorar las relaciones entre los estudiantes, incluyendo a un niño indígena triqui. El objetivo es concientizar a los estudiantes sobre la importancia de reconocer y aceptar las diferencias culturales y valorar las culturas indígenas que forman parte de las raíces de México.
Scale of Economies and Diseconomies in Long Runashrafblr123
This document discusses economies and diseconomies of scale in the long run. It defines economies of scale as lower unit costs that occur when output increases, due to factors like production efficiencies. Diseconomies of scale occur when costs increase due to inefficiencies from overproduction or overcrowding. The document also categorizes economies of scale as internal, related to a firm's operations, or external, from advantages outside the firm. Internal and external diseconomies can arise from problems like poor communication or negative external impacts beyond a firm's control.
Este documento presenta un cronograma de 14 clases sobre temas respiratorios impartidas por el Dr. Rey. Cubre temas como la semiología respiratoria, síndromes como neumonía, atelectasia y derrame pleural, espirometrías y otros estudios pulmonares, enfermedades como asma, EPOC y cáncer de pulmón, insuficiencia respiratoria, tuberculosis y más. El documento incluye contenidos detallados de cada clase así como enlaces a recursos adicionales sobre cada tema.
This document discusses several retinal conditions characterized by flecked retinas including:
- Fundus flavimaculatus - The most common form of juvenile macular degeneration, caused by mutations in the ABCA4 gene. It is characterized by yellow lesions and progressive central vision loss.
- Fundus albipunctatus - A rare condition caused by mutations in the RLBP1 gene. It features tiny yellow-white flecks that do not affect vision.
- Familial dominant drusen - An early-onset form of macular degeneration caused by mutations in the EFEMP1 gene. It presents with radially oriented drusen that can later cause vision loss.
The Institute of Medicine's report, Unequal Treatment: Confronting Racial/Ethnic Disparities in Health Care, cited more than 175 studies documenting diagnostic and treatment disparities of various conditions among racial/ethnic populations, even when confounding factors (e.g., insurance and socioeconomic status, comorbidities, age, healthcare venue, stage of diseases) were controlled for in analyses.Specific examples include higher rates of hypertension, diabetes, breast cancer, cervical cancer, colon cancer, and cardiovascular diseases in African Americans; diabetes in Native Americans, Alaskan Natives, and Latino populations; and heart disease mortality in certain Asian American, Latino or Hispanic, and Native American groups.Lower rates of immunization and higher rates of infant mortality have been reported in African American, Hispanic, and Native American populations.
This document announces a retirement plan protection workshop for plan sponsors. The workshop will provide updates on regulatory issues facing retirement plans, how to respond to investigations by the Department of Labor, and how to document processes to protect fiduciaries from liability. It will feature presentations by Bradford Campbell, former head of the Employee Benefits Security Administration, and Anthony Agbay, a retirement plan consultant. The workshop will be held on December 3rd and provide 2 hours of CPE credit.
The Metropolitan Economic Development Association (Meda) was awarded a $90,909 grant from the U.S. Small Business Administration to help small science and technology firms bring innovations to market and create jobs. Meda was one of only 22 recipients nationwide to receive funding totaling $2 million. The grant will fund a program at Meda to provide guidance and expertise to help tech startups locate federal funding and contracts. This funding will help Minnesota businesses become more competitive in science and technology. All small science and technology firms in the state will be eligible for assistance through the program, including training, mentoring and help competing for federal grants and contracts.
Insurance in Superannuation - Challenges in the current marketStephen Huppert
This document summarizes challenges facing the insurance market in Australian superannuation funds. It discusses how poor pricing and claims management have led to significant premium increases of 25-40% for some funds. Contributing factors include increased mental health claims, loosened definitions, and late reporting of claims. Insurers are now seeking to improve data, tighten definitions, enhance claims management, and work more closely with employers and funds to help stabilize the market. The sustainability of insurance in super is uncertain if premiums continue rising substantially.
Developing an inclusive policy on Microinsurance Regulation: The Kasagana-ka ...ICMIF Microinsurance
This presentation was delivered by Ms Maria Anna Ignacio (Executive Director at KDCI/ KMBA, The Philippines) at the ICMIF-AOA Development Network Seminar (18-20 September 2013; Manila, The Philippines)
The document discusses optimizing Social Security benefits and lifetime income in retirement. It provides an agenda covering retirement facts, Social Security basics, filing strategies and recent changes. The presentation is intended to help clients better understand how to maximize their Social Security income and address concerns around having enough money in retirement given increasing lifespans. Key topics include Social Security calculations, the impact of claiming age on benefits, spousal and survivor benefits, and strategies for filling potential gaps in income.
- Group long-term disability insurance (GLTD) typically covers only 60% of income and has maximum monthly caps, leaving many people with significantly lower incomes if disabled. GLTD also excludes bonuses, commissions, and may not cover partial disabilities.
- Over 90% of disabilities are caused by illnesses rather than accidents, and can happen to anyone. However, most people assume they are young and healthy or covered by their employer so do not purchase individual disability insurance.
- Purchasing a supplemental individual disability income policy can fill in the gaps in coverage left by GLTD policies to better protect one's full income and lifestyle in the event of a disability. It can be designed to cover bonuses and partial disabilities
The document discusses supplemental benefits that companies offer executives, including long-term care insurance. It notes that over 75% of Fortune 1000 companies offer supplemental retirement plans, and over 30% offer excess disability or supplemental death benefits. The need for long-term care insurance is increasing as people live longer lives. Many companies expect demand for long-term care programs to rise in order to attract and retain employees and executives.
This document provides an overview of a presentation on taking control of one's financial future. The agenda covers planning for the future, protection, wealth accumulation, retirement planning, estate planning, and business planning. It emphasizes starting financial planning early, having protection through insurance and savings, maximizing savings potential over a lifetime, and developing a comprehensive plan to meet financial goals. Regular monitoring and adjustments are important as circumstances change. Working with a financial professional can help navigate complex financial issues.
This document summarizes the Northwestern Mutual Financial Network internship program. It notes that the program has trained over 25,000 interns since 1967 and that 1 in 3 eligible interns become full-time representatives. The internship focuses on personal and professional growth through business experience, networking skills development, and potential licensing. Interns can earn up to $2,000 per period through commissions in addition to valuable training and experience.
This document provides information about purchasing a 3Com CISCO ASS1 CARD from Launch 3 Telecom. It describes how to purchase the product through their website or by phone, details their payment and shipping policies, and outlines the warranty and additional services offered, such as repairs.
Gestión de contenidos, finanzas y recursos empresarialesValeria Ortuño
La gestión de contenidos permite crear y administrar contenido web de forma estructurada. Permite separar el contenido del diseño y publicar contenido de forma dinámica e interactiva desde una base de datos. Los sistemas ERP integran los procesos empresariales como producción, logística y finanzas para optimizar los recursos y compartir información.
Este documento resume los impuestos estatales según la Ley Orgánica de Hacienda Pública Estadal de Venezuela. Explica que los impuestos estatales se recaudan a través de estampillas, timbres fiscales y peajes, y deben usarse para satisfacer necesidades colectivas y estimular el crecimiento económico. Define la hacienda pública estadal como los bienes, derechos y obligaciones del estado. Finalmente, detalla los contenidos clave de la ley como los tributos, contribuciones especiales, y que regula los impuestos
The document contains a list of words with repeated letters and sounds, including: step, send, shell, ever, said, any, many, desk, cent, held, head, dead, spent, fresh, twelve, twenty, seven, seventeen, seventy, ready, present, lesson, heavy, breakfast, and February. The words demonstrate phonetic patterns and spelling rules for repeated letters and sounds.
El documento describe el Proceso Unificado de Desarrollo (UP), un marco de trabajo genérico para el desarrollo de software que utiliza modelos UML. El UP es un proceso iterativo e incremental dirigido por casos de uso y centrado en la arquitectura. Se compone de fases como requisitos, análisis, diseño, implementación y pruebas, las cuales se dividen en iteraciones que producen incrementos en el producto de software. El UP reduce el riesgo al permitir la pérdida solo de lo realizado en una iteración.
Este documento describe la cosmología y medicina tradicional de los Zenúes, un pueblo indígena de la costa caribe colombiana. Explica su visión del mundo que incluye una geografía sagrada de los montes donde habitan los espíritus. También describe sus creencias sobre las enfermedades causadas por los espíritus y su tratamiento a través de la medicina tradicional practicada por los "curiosos". Finalmente, detalla el proceso de aprendizaje y iniciación de los curiosos, incluyendo sueños, visiones
El documento propone trabajar actividades en el aula que fomenten valores como el respeto, la tolerancia y la solidaridad para mejorar las relaciones entre los estudiantes, incluyendo a un niño indígena triqui. El objetivo es concientizar a los estudiantes sobre la importancia de reconocer y aceptar las diferencias culturales y valorar las culturas indígenas que forman parte de las raíces de México.
Scale of Economies and Diseconomies in Long Runashrafblr123
This document discusses economies and diseconomies of scale in the long run. It defines economies of scale as lower unit costs that occur when output increases, due to factors like production efficiencies. Diseconomies of scale occur when costs increase due to inefficiencies from overproduction or overcrowding. The document also categorizes economies of scale as internal, related to a firm's operations, or external, from advantages outside the firm. Internal and external diseconomies can arise from problems like poor communication or negative external impacts beyond a firm's control.
Este documento presenta un cronograma de 14 clases sobre temas respiratorios impartidas por el Dr. Rey. Cubre temas como la semiología respiratoria, síndromes como neumonía, atelectasia y derrame pleural, espirometrías y otros estudios pulmonares, enfermedades como asma, EPOC y cáncer de pulmón, insuficiencia respiratoria, tuberculosis y más. El documento incluye contenidos detallados de cada clase así como enlaces a recursos adicionales sobre cada tema.
This document discusses several retinal conditions characterized by flecked retinas including:
- Fundus flavimaculatus - The most common form of juvenile macular degeneration, caused by mutations in the ABCA4 gene. It is characterized by yellow lesions and progressive central vision loss.
- Fundus albipunctatus - A rare condition caused by mutations in the RLBP1 gene. It features tiny yellow-white flecks that do not affect vision.
- Familial dominant drusen - An early-onset form of macular degeneration caused by mutations in the EFEMP1 gene. It presents with radially oriented drusen that can later cause vision loss.
IATA - INTERNATIONAL AIR TRANSPORT ASSOCIATIONashrafblr123
The document discusses the areas and sub-areas defined by the International Air Transport Association (IATA). IATA divides global air travel into three areas called Traffic Conferences. TC-1 covers the Americas, TC-2 covers Europe, Africa, and the Middle East, and TC-3 covers Asia and the South Pacific. Each area is further divided into sub-areas for establishing airfares and zones of travel. IATA represents over 80% of total air traffic worldwide and works to promote safe, reliable and economical air services globally.
1. La Corte Suprema de Justicia de la República del Perú revisa una demanda de indemnización por daños y perjuicios derivados de responsabilidad extracontractual presentada por Giovanna Angélica Quiroz Villaty y sus hijos contra la Empresa Minera Yanacocha S.R.L. y otras partes, luego de un derrame de mercurio en el 2000.
2. La demandante alega que sufrieron daños a la salud y daño moral luego de manipular el mercurio derramado. Las demandadas alegan transacciones prev
El documento describe el desarrollo de la ciencia durante el Renacimiento. Inicialmente, el Renacimiento no fue propicio para el avance científico debido al enfoque en las humanidades. Sin embargo, el redescubrimiento de textos antiguos y la invención de la imprenta permitieron una mayor difusión de ideas. Figuras clave como Copérnico y Paracelso hicieron contribuciones importantes a la astronomía y la alquimia. El documento también proporciona una línea de tiempo de científicos del período y
Study: How Germany's Dax 30 companies use PMP, Scrum and Design ThinkingDSP-Partners
The document analyzes the penetration of three key digital management competencies - Scrum, Project Management Professional (PMP) certification, and Design Thinking - among employees of Germany's 30 largest public companies (DAX 30). It finds that Scrum is the most widely used framework. SAP, Deutsche Börse, and Deutsche Telekom stand out for their strong application of multiple competencies. While PMP certification and Scrum skills are moderately common, Design Thinking competencies have not been widely adopted except at SAP. The analysis was conducted by searching employee profiles on XING for keywords related to each competency.
This edition of Pencil Shavings captures the fourth Global Product Committee meeting of 2014, held last month in Beijing. In addition to the 4Q14 collection of 8-ball and 7+ work, this issue includes a profile of LB Sri Lanka (Colombo), coverage of the 2014 Agency of the Year Awards and much more.
1. The document describes a method for harvesting energy from CO2 emissions by using pairs of porous electrodes - one selective for anions and one for cations - in an aqueous electrolyte alternately flushed with CO2 or air.
2. When the electrolyte flows between the selective porous electrodes, electrical energy is generated. The maximum efficiency reached was 24.0% for deionized water and 31.5% for a monoethanolamine solution.
3. The process works by dissociating CO2 into protons and bicarbonate ions in the aqueous electrolyte. When the electrolyte is alternated between the electrodes, the difference in ion concentrations drives a membrane potential that can be harvested as electrical
Business Benefits provides comprehensive employee benefits services including designing insurance plans, negotiating rates, assisting with claims, and promoting wellness programs. They work with over 800 clients in the Cincinnati/Northern Kentucky region and have longstanding relationships with major carriers. Their experienced staff handles administrative tasks so clients can focus on their business. Business Benefits aims to offer superior service and bring the best benefit options to their clients.
The document discusses key concerns that keep business owners up at night, including ensuring adequate retirement funding, protecting the business from unexpected events, attracting and retaining high-quality employees, and planning for business succession. It outlines strategies in areas like risk management, employee benefits, succession planning, and personal financial planning to help business owners address these worries. The presentation aims to help business owners prioritize goals, understand integrated planning approaches, and receive follow-up consultation.
The document discusses key concerns that keep business owners and decision makers up at night, including financing retirement, ensuring business continuity, and attracting and retaining employees. It addresses these concerns through integrated strategies involving risk management, employee benefits, business succession planning, and personal financial planning. The goal is to help decision makers develop a comprehensive plan to protect their business and secure their own and their family's future.
Help Employees Reach Their Financial Goals - Regardless of the size of your business or the
type of benefits you provide, the Employee
Financial Resource Program offers you many
advantages • Highlights what you provide to your
employees as the foundation of their financial
security, which reinforces goodwill and helps
employee morale and retention
• May increase productivity as employees
gain more control over their financial future
• Allows you to distance yourself from offering
financial advice
• Facilitates offering another valuable benefit to
your employees, with no cost to you
The document discusses key concerns that keep business owners up at night, including funding retirement, succession planning, employee benefits, risk management, and personal financial needs. It outlines strategies to address these issues through an integrated approach focusing on the four critical asset classes of a business and four key financial areas. The presentation aims to help business owners identify priorities and develop plans to better manage their business and personal finances.
The document discusses key concerns that keep business owners up at night, including funding retirement, succession planning, employee benefits, risk management, and personal financial needs. It outlines strategies to address these issues through an integrated approach considering the business and personal needs of the owner. The presentation provides a framework to identify goals, understand various planning options, and get expert advice tailored to the owner's unique situation.
The document is a benefits booklet for employees of the Town of Davie. It provides summaries of the town's benefit plans and contact information in 3 pages and 16 sections. Benefit plans include medical insurance through United Healthcare, dental and vision coverage through Humana, life and disability insurance, and voluntary supplemental plans. It announces changes for 2016 like a $500 rollover limit for flexible spending accounts and plan design changes to UNUM disability insurance.
This document provides a summary of benefits available to temporary employees of the City of Austin, including medical insurance, wellness programs, commuter benefits, and deferred compensation. It outlines eligibility requirements, dependent coverage, and how to enroll or make changes to benefits. Contact information is provided for the benefits administrator and individual insurance plans.
This document provides an introduction to the pre-recruitment qualification study text for life insurance agents in India. It discusses the goals of developing professionalism and ethical standards among agents. It emphasizes the importance of agents prioritizing customer needs and interests. The study text aims to help agents attain the necessary knowledge, skills, and understanding to be licensed and provide expert advice to clients. It covers topics like insurance, products, claims, regulations, and ethics. It stresses the need for a structured advice process involving fact-finding, needs assessment, and recommendations. It also acknowledges the support of industry organizations in developing the material and wishes students the best in their studies and future careers.
The rapid expansion of the life insurance profession in India over recent years has delivered many benefits. It has
enabled families and individuals to protect themselves against some of life’s most serious risks, and to plan for their
financial security in retirement.
However, the sector does not have an unblemished record. There have been high profile situations where, frankly, the
consumer interest has been a second-tier priority. The task of the IRDA, as Regulator, is to promote and protect the
interests of policyholders.
The future success of the life insurance profession depends, above all, upon the knowledge and integrity of the people
who advise customers – and are their first, and most important, point of contact. At the IRDA, our goal is to see life
insurers increasingly able to attract, motivate and retain outstanding people, committed to providing a ‘needs-based’
approach to financial advice.
This new coursebook, and the revised qualification that agents now sit, is a vital part of our strategy. We have developed
a syllabus that is challenging in its scope and depth. It does not simply encourage agents to memorise facts and
figures. This is important, but insufficient. It also tests their understanding of learning, and ability to apply it in a wide
range of practical real-life situations.
I am grateful to the Chartered Insurance Institute for their extensive support for this work. We have benefitted greatly
from their experience in other markets. I am also thankful to many other industry practitioners who have given their time
and expertise to develop this material.
Above all, I acknowledge you, the aspiring professional, for embarking on this journey, and taking seriously the need
for professional study. Without you, there would be no future for this important marketplace. I trust you will find this
coursebook of great value for your studies, and send my best wishes for your future as a life agent.
Our independent financial services firm strives to define our commitment to clients and the community through our actions, and we welcome the opportunity to elevate your financial strategies.
The document discusses Beneficial Associates, Inc. (BAI), a provider of employee benefit solutions. BAI has over 20 years of experience working with the Virginia Health Care Association to provide innovative solutions to their members. BAI can customize benefit programs, technology, and wellness solutions to help employers attract and retain quality staff while controlling costs. BAI also ensures compliance with regulations and aims to simplify benefit administration through technology and support services.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through their individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through their individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through their individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
This document describes the services provided by Integrated Financial Partners (IFP). IFP offers personalized financial planning and advisory services through experienced advisors. They provide access to hundreds of investment options and state-of-the-art technology. IFP advisors have years of experience helping clients achieve financial goals like accumulating wealth, planning for retirement, and managing businesses. They take a holistic approach by coordinating with tax and legal advisors. IFP aims to build long-term relationships with clients through individualized attention and objective advice.
2. The Corporation for Social Security Claiming Strategies ● 78 South Street, Suite 201, Wrentham, MA 02093 ● (855) 201-0449
www.csscs.org
Copyright 2017 ● All Rights Reserved
About Us
The Corporation for Social Security Claiming Strategies is the creator and provider of the training
course for the Certified in Social Security Claiming Strategies (CSSCS) designation. Our organization
is the only comprehensive retirement income training organization in the financial services
industry dedicated exclusively to educating professionals on the nuances of Social Security
retirement planning.
With corporations eliminating more than 84,000 pension plans since 1985, over a decade of
unprecedented and ongoing market volatility, a Social Security system that has over 2,000 filing
rules and a government workforce prohibited from dispensing advice, the ability to offer true
expertise on the topic of when and how to develop a Social Security filing strategy is paramount
to helping retirees remain financially viable throughout retirement.
The CSSCS certification program is designed to provide professionals, whether financial, legal,
human resource or otherwise, with the deep foundational knowledge needed to help clients,
regardless of circumstance, find the most effective Social Security retirement claiming strategy
available to them.
Our paramount goal is to provide our students with a working knowledge of the myriad of factors
that play a role in determining how retirees can achieve the maximum benefit available to them
from Social Security and, in so doing, provide a solid foundation upon which an overall retirement
income plan can be built.
With a system many claim has hundreds, thousands or even millions of possible filing
combinations, we believe the mere knowledge of 7 or 8 “simple secrets” to Social Security coupled
with access to calculators that render maximum lifetime benefit and breakeven points is not
enough to accurately advise clients on the claiming strategy that is right for them, nor is it a
sufficient basis upon which a lifetime income plan should be built.
Moreover, clients today approach the topic of retirement income planning with a keen awareness
of the issues surrounding their finances and are looking not just for answers about what may be
their next steps. Rather, today’s savvy retirees demand a specific, detailed explanation as to how
and why a recommended plan will work. This course has been designed to empower you as an
advisor to answer those difficult questions.
The Corporation for Social Security Claiming Strategies and the CSSCS Board of Standards has built
the training curriculum and testing program in accordance with the guidelines set forth by the
National Commission for Certifying Agencies, Institute for Credentialing Excellence.
3. The Corporation for Social Security Claiming Strategies ● 78 South Street, Suite 201, Wrentham, MA 02093 ● (855) 201-0449
www.csscs.org
Copyright 2017 ● All Rights Reserved
Program Offerings
Our membership levels are designed to suit the varying needs of advisors.
Gold Platinum
Comprehensive
Guide
Annual Guide
Update
Online Course
Ask the
Experts
Advisor Tool
Kit
Website
Listing
Certification
Program
Fee
$499.99 $749.99
Annual
Renewal
$149.99 $299.99
NOTE: The live classroom training is $549 for Gold Membership and $799 for
Platinum Membership
Group discounts are available and we encourage all Training Supervisors and OSJ’s to
contact Cheryl Robertson at (855) 201-0449 for more information.
In an effort to make our program as convenient as possible for students, we will be offering
three curriculum options:
Online Course
Live Classroom Instruction
Webinars
4. The Corporation for Social Security Claiming Strategies ● 78 South Street, Suite 201, Wrentham, MA 02093 ● (855) 201-0449
www.csscs.org
Copyright 2017 ● All Rights Reserved
Program Components
Comprehensive Guide to Social Security Retirement Benefits and Social
Security Claiming Strategies: Our in-depth 14 chapter guide covers all areas of
Social Security retirement benefits including, but not limited to, spousal benefits,
survivor benefits, taxation, same-sex marriage, Windfall Elimination Provision,
and the Government Pension Offset to name a few. Each chapter contains a
summary of key concepts as well as practice tips highlighting how the rules can
be applied in your day to day practice.
The Advisor Tool Kit: contains all of the tools you’ll need to be successful
including:
The Formula Sheet – a summary of the mathematical formulas and
calculations needed to efficiently analyze Social Security retirement cases.
The Key Definition Sheet – a quick reference for the relevant terms and
acronyms associated with Social Security retirement benefits;
The Quick Reference Guide – a summary of the critical tables and charts
needed to analyze any case;
The Timeline – a chronological summary of important dates and concerns for
those at or nearing retirement.
Marketing Materials: proprietary marketing pieces such as the “Life Span of
a PIA” that help crystalize the concepts important to clients. Note:
Compliance approval may be needed before use with the general public.
Online library: access to hundreds of pages of materials including official SSA
Statements, POMs references, FAQ’s, articles of interest, newsletters and more.
Ask the Experts: direct access to our staff of Social Security experts who collectively
enjoy nearly 70 years of experience with the Social Security Administration.
Certification: as a Certified Social Security Claiming Strategist upon successful
completion of our 100 question, multiple choice examination
Listing on the CSSCS website: identifying the contact information for all
candidates who successfully complete the Certified in Social Security Claiming
Strategies designation.
5. The Corporation for Social Security Claiming Strategies ● 78 South Street, Suite 201, Wrentham, MA 02093 ● (855) 201-0449
www.csscs.org
Copyright 2017 ● All Rights Reserved
Meet Our Leaders
Our expert team at the Corporation for Social Security Claiming Strategies is uniquely
qualified, not only to build the most comprehensive, advisor-centric, educational program
in the Social Security retirement space, but deliver ongoing, real time support to those
advisors who enroll at either the Gold or Platinum level.
Cheryl Robertson, JD – President and Founder
Cheryl graduated from Northeastern University with a Bachelor of Science degree in
Criminal Justice. She received her J.D. from Roger Williams University School of Law,
where she was proud to have served as Managing Editor of the Roger Williams University
Law Review and was pleased to have been selected as a member of Who’s Who in American
Colleges and Universities. Upon graduation, Cheryl began her legal career as an Associate
with a labor and employment firm in Boston, Massachusetts and subsequently opened a
private practice in Providence, Rhode Island. Cheryl stepped away from the practice of law
upon the birth of her first child and stayed home for the next 10 years raising what grew
to be her delightful family of five children. Upon returning to the workforce, Cheryl took
the steps necessary to become a licensed financial services professional and quickly
realized the vast majority of current and prospective retirees did not have access to the
advice and resources required to make an educated decision on, what in most cases, will
prove to be one of the most critical financial decisions they’ll ever make; when and how to
claim Social Security retirement benefits. To that end, she utilized her finely honed legal
skills to research, design and author an educational platform to do just that: provide
advisors with the information, tools, skills and ongoing support they need to become
experts in building retirement income plans founded on the guarantees of Social Security.
In 2013, the Corporation for Social Security Claiming Strategies was formed and one year
later, A Comprehensive Guide to Social Security Benefits and Social Security Claiming
Strategies was launched endeavoring to provide advisors with the knowledge necessary
to advise clients on the intricacies of the Social Security system and teach them to utilize
that information as the foundation for retirement income plans sustainable throughout
their client’s lifetime and beyond.
6. The Corporation for Social Security Claiming Strategies ● 78 South Street, Suite 201, Wrentham, MA 02093 ● (855) 201-0449
www.csscs.org
Copyright 2017 ● All Rights Reserved
Stephanie Burkland – Lead Social Security Expert
Stephanie Burkland has worked in the Social Security arena for over 35 years. Her first 25
years were spent as an award winning Social Security Administration claims
representative earning sixteen “Recognition of Contribution” awards, four “Superior
Performance” awards, one “Special Act of Service” award and was regularly recognized by
her superiors as, “a motivating influence to other Social Security Administration
employees!” After her distinguished career with the Social Security Administration,
Stephanie worked as a Social Security benefits advocate for numerous private sector firms.
Once again, Stephanie’s performance was exceptional as evidenced by the numerous
awards and recognition she received from her corporate and individual clients. These
awards include the prestigious “Extra Mile” award given by the Mental Health Association
of Westchester, New York. In addition to the recognition she received for her advocacy
work by her clients and even while working in the private sector, Stephanie was also
recognized by the Social Security Administration for her efforts to expose a systemic flaw
in the claims paying procedures for certain beneficiaries. Her work resulted in a
NATIONWIDE refresher training of all Social Security Administration payment center
benefit analysts. As an award winning, front line, hands-on, Social Security expert,
Stephanie is uniquely qualified to lead our in-house team of experts in their efforts to meet
the ongoing needs of our membership.
7. The Corporation for Social Security Claiming Strategies ● 78 South Street, Suite 201, Wrentham, MA 02093 ● (855) 201-0449
www.csscs.org
Copyright 2017 ● All Rights Reserved