If you are visually impaired or blind, you can visit the PDF version by Pressing CONTROL + ALT + 4
<br /> November 2017<br /> Model<br /> Portfolios<br /> The rise of model portfolio<br /> marketplaces means<br /> advisors may never have<br /> to pick stocks again.<br /> START THINKING A Q&A WITH T. ROWE'S WHAT EXACTLY IS<br /> ABOUT INFLATION p. 20 JUSTIN THOMSON p. 25 “PLAN FAILURE”? P. 36<br /> <br /> Editor-in-Chief DAVID ARMSTRONG<br /> david.armstrong@penton.com<br /> Managing Editor DIANA BRITTON<br /> diana.britton@penton.com<br /> Senior Wealth Planning Editor DAVID LENOK<br /> david.lenok@penton.com<br /> Associate Editor RYAN W. NEAL<br /> ryan.neal@penton.com<br /> Staff Writer MICHAEL THRASHER<br /> michael.thrasher@penton.com<br /> Content Production Editor MICHAEL SAMUELS<br /> michael.samuels@penton.com<br /> Alternative Investments Editor BRAD ZIGLER<br /> brad_zigler@sbcglobal.net<br /> Contributing Writers<br /> DEBBIE CAR<a title="November 2017 page 1" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=1"> November 2017 Model Portfolios The rise </a> <a title="November 2017 page 2" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=2"> </a> <a title="November 2017 page 3" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=3"> Editor-in-Chief DAVID ARMSTRONG david.armstrong@p</a> <a title="November 2017 page 4" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=4"> CONTENTS November 2017 39 34 29 18 PRACTICE </a> <a title="November 2017 page 5" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=5"> Index variable annuities are subject to investmen</a> <a title="November 2017 page 6" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=6"> EDITOR'S LETTER What Defines Adv</a> <a title="November 2017 page 7" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=7"> EAL people Plan Today for Your Client's Rainy Day</a> <a title="November 2017 page 8" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=8"> </a> <a title="November 2017 page 9" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=9"> REPORTS From the Front Advisors Given Ext</a> <a title="November 2017 page 10" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=10"> REPORTS BLOTTER Volatility Products Mis-Sold </a> <a title="November 2017 page 11" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=11"> REPORTS Bigger Advisors Breaking Away </a> <a title="November 2017 page 12" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=12"> REPORTS Advisors in the Wild Scenes from t</a> <a title="November 2017 page 13" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=13"> REPORTS The third annual Weal</a> <a title="November 2017 page 14" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=14"> PRACTICE MANAGEMENT Don't Be a Jerk A POSITIVE </a> <a title="November 2017 page 15" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=15"> PRACTICE MANAGEMENT 2. Never lead with the deal </a> <a title="November 2017 page 16" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=16"> PRACTICE MANAGEMENT Exceeding Profession</a> <a title="November 2017 page 17" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=17"> For your clients' do I file at 62 or 70? side. </a> <a title="November 2017 page 18" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=18"> PRACTICE MANAGEMENT / Exceeding Professional Expe</a> <a title="November 2017 page 19" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=19"> PRACTICE MANAGEMENT Searching For A Gold</a> <a title="November 2017 page 20" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=20"> PRACTICE MANAGEMENT The Biggest Threats t</a> <a title="November 2017 page 21" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=21"> PRACTICE MANAGEMENT The DOL ruling </a> <a title="November 2017 page 22" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=22"> INVESTMENT Start Thinking About Infation …AND W</a> <a title="November 2017 page 23" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=23"> TAKE GUARANTEED RETIREMENT INCOME TO A NEW LEVEL </a> <a title="November 2017 page 24" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=24"> INVESTMENT / Start Thinking About Inflation </a> <a title="November 2017 page 25" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=25"> It Starts with a Conversation Talking to investo</a> <a title="November 2017 page 26" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=26"> INVESTMENT / Start Thinking About Inflation </a> <a title="November 2017 page 27" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=27"> INVESTMENT The Secret to T. Rowe's Inter</a> <a title="November 2017 page 28" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=28"> INVESTMENT / The Secret to T. Rowe's Internationa</a> <a title="November 2017 page 29" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=29"> INVESTMENT Obvious, Boring and Effective</a> <a title="November 2017 page 30" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=30"> INVESTMENT / Obvious, Boring and Effective </a> <a title="November 2017 page 31" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=31"> WEALTH PLANNING Walking Clients Through the Fina</a> <a title="November 2017 page 32" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=32"> WEALTH PLANNING / Walking Clients Through the Fin</a> <a title="November 2017 page 33" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=33"> SAVINGS ALONE WON'T PAY FOR COLLEGE Wh</a> <a title="November 2017 page 34" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=34"> WEALTH PLANNING Take Profts Without Payi</a> <a title="November 2017 page 35" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=35"> WEALTH PLANNING TurboTax's “TaxCaster” at</a> <a title="November 2017 page 36" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=36"> WEALTH PLANNING Millennials and Women Ar</a> <a title="November 2017 page 37" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=37"> WEALTH PLANNING and individualization for</a> <a title="November 2017 page 38" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=38"> WEALTH PLANNING What the Heck Is “Plan F</a> <a title="November 2017 page 39" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=39"> WEALTH PLANNING market, it wouldn't have </a> <a title="November 2017 page 40" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=40"> RICP® STUDENTS SAY THEY LEARN NEW RETIREMENT ST</a> <a title="November 2017 page 41" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=41"> MODEL PORTFOLIOS Model Portfolios On the Rise </a> <a title="November 2017 page 42" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=42"> MODEL PORTFOLIOS “The successful advisors</a> <a title="November 2017 page 43" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=43"> IF DESIGN CAN REVOLUTIONIZE CYCLING, WHY NOT INVE</a> <a title="November 2017 page 44" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=44"> For your clients' are my investments still on tra</a> <a title="November 2017 page 45" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=45"> Overall Morningstar RatingsTM as of </a> <a title="November 2017 page 46" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=46"> MODEL PORTFOLIOS Dispersion of Portfolio R</a> <a title="November 2017 page 47" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=47"> Resource Center Mobile, Web, Print and So</a> <a title="November 2017 page 48" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=48"> Will 2017 be your year? For your f</a> <a title="November 2017 page 49" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=49"> ADVERTISING SALES OFFICES 1166 Avenue of the Amer</a> <a title="November 2017 page 50" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=50"> The Index READERS DO IT BY THE NUMBERS. BY JOHN K</a> <a title="November 2017 page 51" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=51"> THE BEST PURE COTTON NON-IRON DRESS SHIRT BAR N</a> <a title="November 2017 page 52" href="https://secure.viewer.zmags.com/publication/2a5a8228?page=52"> Navigating change for growth Industry changes c</a>