Monthly Archives: December 2021

Bit by Bit – Episode 3: The Planning/Fiduciary Administration of Cryptocurrency

Robert Kirkland discusses how cryptocurrency can be used for goods, services and investments; the importance of documentation and management and real-life ‘horror’  stories from lack of planning. Bit by Bit: The Planning/Fiduciary Administration of Cryptocurrency? by goCast Robert Kirkland describes real life stories from lack of planning.

Your ERISA Watch – – State-Law Claims for Lifetime Disability Benefits Survive While ERISA Claims Are Dismissed


Thompson v. Oracle Corp., No. 4:21-cv-00026-YGR, 2021 WL 5865519 (N.D. Cal. Dec. 10, 2021) (Judge Yvonne Gonzalez Rogers). When Elisa Thompson went to work for Sun Microsystems, she specifically negotiated a job offer that included a guarantee of lifetime disability benefits because she was concerned about the possible return of a childhood disability. When Oracle […]

Tip of the Week

Creating a “My Social Security” Account Every financial planner—and most everyone else—knows how important Social Security benefits are to financial security during retirement, disability, or after the death of an insured person. Social Security provides roughly half of all retirement income to retirees with average lifetime earnings. Financial planners should encourage their clients to establish […]

Improve Your Clients’ Probability of Success by 97%

Mike McGlothlin CFP®, CHFC®, CLU®, LUTCF®, NSSA® If you could improve your clients’ probability of success by close to 100%, would you feel obligated to at least learn more about it? What if I told you that this strategy works regardless of economic conditions, tax rates and regulatory environment? If I also told you it’s […]

Tip of the Week

Considering Life Insurance in a Qualified Plan: A Fiduciary Guide The fiduciary of an Employee Retirement Income Security Act (ERISA) trust has responsibilities and must follow certain duties. A person is a fiduciary if they exercise any discretionary authority or control over the management or disposition of the plan’s assets, render investment advice or have […]

Your ERISA Watch – First Circuit Holds That Full and Fair Review Requires Timely Disclosure of All Relevant Documents


Jette v. United of Omaha Life Ins. Co., No. 20-1719, __ F.4th __, 2021 WL 5231971 (1st Cir. Nov. 10, 2021) (Before Circuit Judges Howard and Thompson, and District Court Judge Raul Arias-Marxuach). Jette v. United of Omaha Life Ins. Co., No. 20-1719, _ F.4th _, 2021 WL 5231971 (1st Cir. Nov. 10, 2021) (Before Circuit Judges […]