As many as 70% of Americans don't have a will, trust, health or funeral directive as the nation gears up for its largest wealth transfer ever.

Advisers can help employers compete for C-suite talent amid major demographic shifts by highlighting nonqualified plans to supplement core benefits.

The Social Security Administration announced its cost-of-living adjustment for beneficiaries — a figure advocates say fails to address the reality for most seniors.

The plan to eventually phase out rebates portends a seismic shift in the flow of billions of dollars among drugmakers, insurers and employers.

Pressure continues to mount on producers to deliver more customized benefit packages and consultative services to satisfy the needs of more demanding clients.

Key to cost containment lies in partnering with transparent PBMs, a more thoughtful approach to prescribing GLP-1s and encouraging the uptake of biosimilars.

Brown & Brown's Erika Illiano suggests finding the right decision-support tool and constructing a compelling narrative around various coverage options.

Advisers can do a better job equipping employees with the knowledge they need to make better benefit choices.

As 401(k) balances continue to grow, advisers say it's crucial that employees are educated on how to effectively manage their portfolios.

Communication challenges will include personalizing benefit messaging to five generations working side by side, and designing affordable healthcare coverage.

More thoughtful communication can help sell benefit plan participants on equitably sharing responsibilities, as the need for hyper-personalized messaging grows.