FA Whitepapers Archive

Recent Whitepapers  | Market and Economic Outlook

June 2022   


Breaking Barriers: The Time is Now for Women in Finance

A major shift in wealth-holders in the United States and the retirement of almost 40% of the financial advisor population over the next 10 years make it a great time for women to thrive in the financial industry. Hear from three women at the top of their game who overcame challenges to build rewarding careers in finance.

Opportunities for Women in the Advice Industry

The limited female representation in the financial services industry has been well documented. Although the numbers are climbing, just 20 percent of financial professionals in 2019 were women — a modest four percent increase from the 16 percent representation reported by Cerulli Associates in 2017. Our whitepaper discusses a few reasons why women are ideally suited for a career in the advice industry.

Among other topics, you will learn:

  • Why ‘The Great Wealth Transfer’ is putting more women in control of more assets than ever before
  • How the role of the modern-day financial professional is evolving
  • How women can take advantage of the flexibility our industry offers

May 2022   


Macro Perspectives: Colliding Demand and Supply Shocks

Are central banks behind the curve when it comes to fighting inflation? Our economists across 5 investment teams share their thoughts. 


High-Net-Worth Clients: Capturing Your Share

The high-net-worth (HNW) market is growing, which presents opportunity for you and your business, but only if you understand HNW investors’ expectations. Equip your business with the right resources, expertise, and technologies to meet their needs.

April 2022   


International Equity Case Study

An detailed overview of Transamerica International Equity.

Surprise & Delight

One of the most effective ways to nurture client relationships and enhance customer loyalty is implementing a “Surprise & Delight” process. This is a way to show your clients that you’re thinking about them and that you care about what’s important to them.  Download this guide to quick, impactful communication that can help you retain clients and acquire new business.

Building Resilient Portfolios In An Inflationary Environment

As inflationary pressures persist, it’s more critical than ever to build resilient portfolios with the right mix of inflation-resilient fixed income and equity strategies. In this guide, we offer deep insights into how to optimize portfolio allocations to support individual investor goals, from income generation to volatility management, to long-term growth potential.

March 2022   


Future Proofing Wealth Management

Wealth managers need to think of new ways to futureproof their operating models and bring down cost to serve while delivering attractive customer experiences in the physical and digital worlds.


February 2022   


Blueprint for Relationship Marketing in a Digital Age

Relationship marketing may seem like just another industry buzzword. But how you handle relationships with existing clients determines whether you can rely solely on referrals to drive new business. Reference this blueprint that breaks down what it is and how you can implement it as a viable marketing strategy in your business.


December 2021   


Six Steps For Implementing A Fee-based Or Fee-only Compensation Model

If your current broker-dealer/RIA restricts your ability to offer holistic advice then now is the time to consider evolving your business model. Discover the fundamentals of building a successful fee-based structure, including:

  • The benefits of a fee model
  • Six transition steps to consider
  • How Cambridge simplifies your transition to fee-based or fee-only models

November 2021


Selecting the Right Technology to Scale Your Firm Sustainably

As advisory firms scale, so does their complexity. Tech stacks that may have worked in the early stages of firm growth may not be able to support teams operating at scale. That's why now more than ever, it is important for firms to accurately define their needs and requirements when selecting new technology to support their goals and vision.

In this eBook, we’ll cover some of the complex technology demands to consider and the right approach to take to build a scalable tech stack and a solid technology foundation.


September 2021


LGBTQ+ And Planning For LTC

There are likely around three million LGBTQ adults over age 50 living in the United States today.1 That number is expected to grow to around seven million by 2030.  Unfortunately, as this group of LGBTQ individuals continue to age, they will face challenges in planning for their long-term care (“LTC”) that result from a lifetime of discrimination.


August 2021   


Aging Clients And Your Role

Client relationships evolve over time, shifting from investment guidance to retirement income planning to estate planning. This last phase can be emotionally delicate but is perhaps the most important service you can provide for a client and their family. This case study is the story of a financial professional named Beth and her excellent use of empathy to prepare her clients Susan and Bill for this final phase of living well.


July 2021


The “Ideal” 401(K) Plan Design – Concepts To Increase Retirement Readiness For Participants And Decrease Fiduciary Liability

While there is no single "Ideal" 401(k) plan design that is right for every plan sponsor, this paper explores two overarching plan design themes that can be incorporated into every 401(k) plan in some way that make a particular plan sponsor's 401(k) plan "Ideal" for it and its employees. Those plan design themes are: (i) retirement readiness for employees/plan participants; and (ii) protection for the plan sponsor and plan fiduciaries from claims associated with the plan's investments. This paper will focus on plan design elements that, if properly utilized, should increase participants' financial preparedness for retirement and decrease the potential for liability on the part of the plan sponsor and plan fiduciaries with respect to the plan's investments.


Build a more resilient portfolio with infrastructure investing

In this guide, seasoned fund managers share insight on how investors can seek to capitalize on what many believe will be a super-cycle of infrastructure spending that will both maintain and modernize existing assets and develop new critical areas of focus, such as decarbonization and digital transformation. Get perspective on how both income-oriented and equity-based opportunities within the infrastructure asset class can support resilient and diversified portfolios. Download this Guide to tap into deep insight from infrastructure investment experts at CBRE Clarion Securities and MacKay Municipal Managers.



All investments are subject to market risk, including possible loss of principal.


MacKay Shields LLC is an affiliate of New York Life Investments. CBRE Clarion Securities, is unaffiliated with New York Life Investments and services are provided to the MainStay Funds through a contractual relationship.


“New York Life Investments” is both a service mark, and the common trade name, of certain investment advisors affiliated with New York Life Insurance Company.



June 2021


How To Incorporate Health Care Costs Into Retirement Planning

Albeit not the normal part of your typical retirement and financial planning conversations, planning for the costs of health care as clients enter and live in retirement could be one of the most important things you can do as a financial professional.

Bridging The Digital Divide In Wealth Management

To measure the impact of the COVID-19 pandemic on the wealth management industry, FactSet in association with Aon conducted its fourth consecutive global survey of 800 high net worth (HNW) investors to better understand the triggers and drivers that are shaping our “new normal” today and in the future. With no end in immediate sight to market uncertainty, wealth managers and advisors will have to reflect and re-frame their role and purpose relative to what their HNW clients need now.


In Hedged Equity, The Capture Ratio Is The Key To Effective Diligence

The Hedged Equity investment space makes a very promising offer: the balance of Growth and Downside Protection in the same portfolio. It is a compelling promise. But it is not a coincidence that the strategies in this space that are growing fastest are the ones with the highest Capture Ratio. And the strategies with the lowest Capture Ratios are losing investor interest. Learn the best practice techniques for evaluating and selecting the best Hedged Equity strategies.

May 2021


Liquidity: Historic Gains Lead to Marginal Drains

Matt Lloyd looks at the myriad of liquidity measures and what the draining from gains does to asset prices and fiscal and monetary responses.

Societal Shifts in Investing and What it Means to Real Estate

Buchanan Street Partners’ Co-Founder and Chairman, Robert Brunswick offers commentary on current societal shifts affecting the investment community at large and what they mean to real estate.  Topics covered include capital flows, ESG and corporate social responsibility, demographic shifts and technology’s influence on the real estate space.


3 Key Considerations for a Successful Breakaway

For advisors seeking the benefits of independent practice, a smooth and efficient transition is key to ensuring their client base stays intact. And nothing is more critical to client retention during that stage than the tech stack.


But as the advisor fintech space has become so expansive many advisors transitioning from wirehouses don’t have the technological expertise to evaluate and determine what tech stack is best for their business and meets their unique needs.


This eBook provides insight into 3 key considerations advisors should weigh when building their tech stack, to assist advisors through the journey to independence.


Shifting To A Zero-Emission Economy

Globally, countries are evaluating the implementation of climate change policies that could lead to a zero-emission economy in the near future. Learn more about the renewable technologies behind this shift, and more from Diamond Hill Capital Management.

Building Your Breakaway Brand: The Ultimate Marketing Guide for Newly Independent RIAs

For newly independent RIAs, establishing brand presence is critical to the beginning of the breakaway journey. You need to define your value proposition, identify your target audience, and determine how to reach them.


But it can be difficult to find time to dedicate to your marketing plan—and even tougher to figure out where to start.


In this interactive ebook, you’ll walk through every step of building a successful marketing plan, including:


● Setting reasonable goals
● Determining KPIs for measuring success
● Establishing your new firm’s value proposition


And more! Start your business off with a powerful marketing plan. Download the ebook today.


Digital Marketing Tools for Winning High Net Worth Business

Most financial advisors possess all the skills necessary to serve high net worth investors. But for this uniquely complex target audience, adding them to your book of business might come down to simply attracting and engaging them in the first place.


In this whitepaper, we look at the important process of determining what HNW investors expect from a financial advisor, examine the differences in strategies for serving HNW and mass affluent clients, and explore:


● Why digital adoption is so critical for advisors seeking HNW business
● The five key principles for effective communication with HNW prospects
● How you can use technology to attract, engage, and retain this targe audience


And more. Download the ebook now to master the tools for attracting HNW clients!


April 2021


The Idea Multiplier: An Acceleration Of Innovation Is Coming

This groundbreaking research from Vanguard predicts unprecedented global idea sharing that may drive growth and could profoundly influence how you help your clients plan for the future.

Early Distributions From Nonqualified Deferred Compensation Plans

Common questions and answers from employee and employer perspectives on early distributions from NQDC plans

A Planner's Guide to Consolidated Advisory Fees

Investment management is commoditized and consumers have higher expectations of financial advisors than ever before—so how do you make your value known from the first time you meet with a new prospective client?

In this white paper, we’ll show you how to make your first meeting all about planning—and immediately prove your worth as a result. You’ll also learn what you need to know about the industry trends that have shaped planning into such a critical service.

Build A Foundation for Success—Even in the Face of Uncertainty. Download A Planner's Guide to Consolidated Advisory Fees today.

March 2021


Understand The Social Security Widow Benefit

It’s important to determine when to claim widow benefits, and when to switch to the survivor’s own benefit.

February 2021


The Impact of Behavioral Finance on the Psychology of Investing

Behavioral factors can significantly impact a client’s financial wellness. This executive brief focuses on four – Future Concept, Impulsiveness, Materialism and Financial Literacy – to provide insights into identifying and addressing each factor during financial coaching, which financial professionals can use to create the optimal plan for each client.

Tax-Efficient Withdrawal Can Lead to Significant Savings

An understanding of tax efficiency in retirement can help you bring a new perspective to clients about retirement income planning.


How to Thrive Under Difficult Conditions and Uncertainty

Regardless of pandemics, elections, or natural disasters, advisory firms need to consistently deliver value to their clients even during difficult times. By making plans today and creating a proper strategy to navigate tough economic conditions, firms can continue to thrive in the face of any challenges that may come their way.

In this eBook, we’ll cover some tips to help firms build a foundation for success—even in the face of uncertainty.


The Next Normal: Embracing Innovation for Financial Advisors

It’s no secret that COVID-19 has upended and drastically changed our lives forever. Orders to stay home and stay safe have expedited the transformation of digitally enabled relationships and technological advances at an unprecedented pace. This pandemic also has created a nearly immediate acceptance of a virtual working environment – one that will stay with us in some form long after the pandemic passes.

This is true for financial advisors, as well.

Crypto 101 for Financial Advisors

Crypto is an incredibly diverse and exciting investment opportunity at the forefront of financial technology advancement. As cryptocurrency continues to become more popular and accessible, clients may become more interested in how to include crypto in their financial portfolio. BlockFi is here to help you understand the basics of cryptocurrency and how it can positively impact the reach and growth of your clients’ portfolios.


Whether your client wants to earn interest, diversify their portfolio, get a loan quickly, or bolster their retirement funds, crypto can be their answer. In this eBook, learn how you can help your clients do more with crypto.


January 2021   


Protection And Growth Potential

Do clients ever feel like they have to choose between protecting their financial futures and the opportunity to grow assets and build wealth? With Transamerica Principal OptimizerSM, our new optional rider available with a Transamerica variable annuity, your clients could have both.

Download the brochure to show your clients how Transamerica Principal OptimizerSM may help them achieve their financial goals.

The Securing a Strong Retirement Act of 2021

Like the original SECURE Act, the 2.0 version advocates for providing American workers and savers with a strong financial future.