Increasingly, investors are interested in aligning their investment portfolios around their environmental, social, and governance (ESG) values. Savvy financial professionals are taking the necessary steps to identify their clients' interests and values to help them meet their investing goals. This research-backed eBook shows financial professionals how to provide customized client experiences that meet their ESG investing requirements.

When working with any investor, financial advisors must excel at client communication. Clients generally want to feel that their financial advisors hear, respect, and value them—especially women investors. Women now control more than half of personal wealth in the US, roughly $22 trillion. As wealth is transferred to more women over the next four decades, that number is projected to rise to nearly $29 trillion. Financial advisors must shift their client communication strategies to meet women investors' needs. Here's how.

Today’s women investors demand communication strategies customized to their needs. Use these five keys to mastering client communication to help you build better relationships with women investors.

[Ghostwritten] Research from Cerulli shows client satisfaction is higher than ever—80 percent of investors are satisfied with their current advisor, while only one percent are dissatisfied. Yet, the exceptional client service bar is getting raised continually for financial professionals. Investors are pursing personalized advice more regularly since the pandemic began, and desire honesty and dependability from financial planners. Here's what clients expect from financial planners now.

Today’s financial planner faces multiple challenges in business development, especially when just getting started with digital marketing techniques. There are numerous digital channels that financial professionals can leverage to connect with prospective clients like never before, and create growth for their firm. Oftentimes, the key to success in any digital marketing initiative is taking a unified approach. This ghostwritten blog post shows financial planners the basics of digital marketing planning.

Investment management is becoming increasingly commoditized. The rise of robo-advisors, increased regulations, fee evolution, and investor expectations are pressuring financial professionals to differentiate themselves and deliver enhanced value to their clients. To do that, they must humanize their services by offering more holistic financial guidance.

The client’s experience is more important than ever. It’s vital during times of disruption to retain clients, and it’s imperative for the future of your business as technology gives firms fresh capacity to engage and delight clients. Research by eMoney isolated a group of firms that offered exceptional client experiences and found that they saw impressive results over the past five years. They increased their AUM and compensation by 20 percent, more than double other firms in the study. Here's how those investment firms achieved that outcome.

High net worth and ultra-high net worth executive women often get overlooked by wealth management advisors as viable clients. But, this multi-trillion dollar market is a growing—and lucrative—investor segment. From this white paper, advisors learn why this important investor segment has value to them and how to reach this market. (Inclusion of this writing sample in my portfolio does not represent an endorsement of me or my work by FlexShares or Northern Trust. It is for demonstration of my skills only.)

[Ghostwritten] The pandemic has propelled us into a virtual-first world, accelerating the need for firms to move to fully digitized operations. Research by Celent shows that as your clients commit to staying at home, they expect your digital technology to be exceptional. Despite your staff staying home, too, clients expect seamless onboarding and remote communication to get prioritized. This ghostwritten blog post shows financial professionals how to enhance technology to suit client needs in a remote work environment.

Current and prospective clients have a keen interest in educational content that helps them reach their financial goals, and they expect you to provide it for them. The pandemic also has driven clients’ appetite for timely content relevant to what’s happening to them today, causing them to eschew evergreen content. This ghostwritten blog post gives financial professionals the keys to building their digital marketing strategy around that content.

A few months ago, I would have given a different answer to the question, “What do you see influencing the future of advice in the next 5 to 10 years?” But the coronavirus pandemic has permanently shifted priorities for most people, including investors and financial professionals. Now, financial planners must focus on holistic planning and client education to grow their practices in the next decade. Here's what that means for you.

The COVID-19 pandemic has brought with it trying economic times for clients and their advisors. Like during the Financial Crisis of 2007-2009, clients are rethinking their money decisions, monitoring their investments and rebalancing their portfolios to weather the current economic storm. Clients now depend widely on technology to reassess their financial positions and goals. Here's what opportunities that presents advisors.

Consider these statistics on marriage and money. In a 2013 survey by National Center for Biotechnology Information, almost 36% of couples cited financial problems as the reason for their divorce, making money the fifth leading cause of divorce in the study. The same year, in an Institute for Divorce Financial Analysts study, 22% of advisors said financial difficulties were a root cause of divorce among their clients. Here's how to talk to clients—and get them talking about—money in marriage.

Every new year, 51% of Americans resolve to get their finances in order. But, like all New Year’s resolutions, making them is only the first step. It’s not enough for clients to say what they want to do financially—they have to know what steps to take to achieve those goals. In this episode, get insights into how to help clients reach their financial goals no matter what time of year it is.

In recent years, advisors have learned that there’s a strong connection between the head, the heart, and the hand when providing financial guidance. eMoney’s Heart of Advice Study identified ways the most successful advisors are using these concepts to deliver a great client experience. Getting to the core of what matters to your clients requires the right knowledge, technology, and personal connection. Here's how. (This project required turning a podcast transcript into a blog post.)

The Tenth Fidelity® Plan Sponsor Attitudes Study, released in 2019, found that an all-time high of 93 percent of sponsors work with advisors, but that what sponsors want from a retirement advisor is changing. That’s because retirement is just one aspect of an employee’s overall financial health picture. This ghostwritten blog post shows advisors some other ways they can differentiate themselves to provide the support plan sponsors now expect advisors from them.

When your younger clients—those just out of college—enter the workforce, they often become fully responsible for their finances for the first time. But, because so many have no substantial personal finance knowledge, they rarely know how to start. Episode 2 of eMoney Advisor’s “That Makes Cents” podcast focuses on exactly this dilemma.

Americans famously brag about how they hate to discuss money. In fact, they’d rather talk about anything other than money, including politics and marriage problems. Surveys show conversations about money are widely considered taboo in America. This blog post summarizes the discussion with guests on this subject in the first episode of eMoney Advisor's "That Makes Cents" podcast.

This ghostwritten blog post covers longevity as the focus of financial planning, and what today's clients want from advisors at different ages and life stages. That's no longer just retirement planning alone. Your clients are considering much more than what they must save discontinue income-producing work and live comfortably. As people increasing live beyond 100, they're focused on shifting gears later in life and funding a new life direction. How can you help?

[Ghostwritten] Over the 20 years since its advent, account aggregation has developed significantly, making it one of the most robust client service tools CFP® practitioners can use. What was once a way to track investments has become an indispensable tool in the delivery of comprehensive financial advice. In fact, it is now a way to grow your firm. Here's how.

By turning a longstanding consumer credit model on its head and rewarding its members for their good personal credit behavior without their having to ask first, BECU repriced $100 million in consumer auto loans in 2015, raised revenue and raised its member satisfaction with its refinancing strategy.

This Virginia credit union changed its mortgage lending paradigm to accommodate members’ availability and interests. By changing the pay structure for its mortgage loan officers, the credit union substantially increased both personal income opportunities for their mortgage lenders and revenue for the credit union. Moreover, member satisfaction for their mortgage loan clients is at an all-time high and those members maintain at least four personal finance products with the credit union.

What happens when a small NY credit union uses its own ACH data and a small marketing budget to create a auto loan recapture promotion for its members? Phenomenal results happen, including $2.2 million in auto loan business in seven months, up to a 22:1 ROI for each marketing dollar and a jump in signature loan, HELOC, and new credit card account business. Read my case study and learn how, occasionally, marketing can produce magic (although planning took three years).

How does a business manage a disaster that only affects that enterprise and continue to serve its customers at the same time? When a fire damaged Fairfax County Federal Credit Union in 2013, Nicole Bowen and her team had to put their established disaster management strategy in action. And, the outcome was successful.

This is a case study I pitched, developed, sourced, and wrote to show that Gen X, now the wealthiest generation and 81+ million members strong, is a market worth targeting for credit unions. It overviews a profitable marketing campaign launched by this Fort Worth, TX credit union and provides solid justification for why and how other credit unions should plan and launch similar campaigns targeting this generation which influences the two generations who precede it and the two who follow.

An exceptional employee onboarding and training program at the Nusenda Credit Union produces an award-winning employer. Learn about their talent management program here. (Image Credit: atibodyphoto http://bit.ly/1UW6Wsz)

It's well established that corporate America, including the financial services industry, lacks diversity in management. People of Color are hired less frequently, experience lower promotion rates and voluntarily leave at higher rates in most financial institutions. And, when organizations do engage in diversity initiatives, they often focus on “fixing People of Color” as if they are the primary problem. Here's what The Hartford is doing differently that all organizations can.

The Hartford’s innovative leadership development program helps both participants and managers enhance their leadership skills and create an inclusive environment for all. It's well established that corporate America, including the financial services industry, lacks diversity in management. Learn here one thing The Hartford is doing to address the problem.

Before President Joe Biden made it a national holiday in 2021, in response to 2020s human rights movement, The Hartford began honoring Juneteenth as a company holiday. But the organization had a strong history of supporting the holiday's celebration in the City of Hartford, where it's headquartered, well before that. Learn why it’s a signal of workplace equity to make Juneteenth more than a day off for employees.

Aging is an uncomfortable topic that people have struggled to discuss since ancient times. That same discomfort exists in organizational diversity and inclusion (D&I) initiatives, too, and failing to face it head-on may result in age discrimination complaints. While many CEOs experience success with overall D&I programs, a PwC study found only 8 percent of CEOs target age-related D&I in their policies. Click on the link above to read more about how to address this issue.

Diversity is incredibly important to a company’s workforce. Not only does it ensure that workforces reflect the populations they draw from, but it also helps drive innovation and supports revenue growth. But in pursuit of diversity, companies often focus only on representation when that is only part of the equation. Creating an inclusive culture where everyone in your company feels included, supported and respected is critical.

Close the Talent Gap with Credit Risk Training to Attract and Retain the Best Employees Senior executives in the banking industry are retiring, and banks are hard-pressed to replace them. Intensifying the problem is the fact that during the Great Recession, financial institutions hired fewer bankers in their mid-30s and 40s. Moreover, technology has eliminated some banking tasks in recent years, causing bank hiring managers to believe that they could hire fewer professionals...

Determined to increase sales and market share, banks continue to focus on external communications. They develop marketing and corporate communications strategies designed to reach target audiences and convert them to bank customers. Undoubtedly, developing strong external communications programs to reach audiences continues to be critical to bank revenue growth. However, recent events in the lending community that led to significant loss...

The last decade in the banking industry has been challenging. The US economy has rebounded, however, and consumers are obtaining more products and services from banks. Banks remain overwhelmed by the aftershocks of the economic meltdown. Post-crisis, many financial institutions still are working through costly legal outcomes related to poorly structured lending policies and resulting wave of federal regulation enacted to prevent future financial collapses. Moreover, banks are facing increased c

This is a blog post that I pitched, researched, and wrote for a 40-year-old banking industry consultant that provides credit risk training. Here, I show senior banking leaders how banks can manage the regulatory environment while helping preclude future meltdowns by taking steps today to address rising credit risk. One critical way to confront credit risk is through investing in ongoing, robust credit risk training for bankers. While some banks are cutting back on this training, this post shows why it’s not advisable as regulation and risk grow.

Today, organizations must develop a collaborative leadership culture that facilitates employee engagement to achieve institutional goals and objectives. Commercial banks are no different, especially in the credit environment they now face. In the post-global financial crisis economy, alleviating financial threats is critical to preventing financial losses. All employees must work as a team and understand the key role they each play in...

When Tim Mulligan became chief HR officer at the world-famous San Diego Zoo in 2004, the workforce was tired, stressed, distracted and disconnected. That was bad for them, the customers and the bottom line, so Mulligan immediately began focusing on shifting the organization’s culture. He has helped remake the zoo into a place where its workers are more focused, healthy and engaged. Today, as the zoo celebrates its 100th anniversary, it does so in an award-winning environment that’s more profitab

If you’re like most small-business owners, you may have gone into business because you’re passionate about the product or service you sell, and how it helps your target customer. While you may want to generate the highest revenue possible, you may prioritize excellence in serving your customers over managing business finances optimally. But generating the highest revenue doesn't always mean you're experiencing financial wellness in your business. Here's what small business financial wellness truly is and how to create it for your enterprise. [Note: This is an example of "pillar content," a piece that broadly overviews a subject creating a story to which multiple supporting pieces connect. I covered the other topics written for this new section on American Express Small Business on financial wellness for small business generally, and other writers produced specific content on those topics that link back to this "content pillar." It required an extensive understanding of small business financial concepts to write this piece, which I have. I can produce similar content for your organization.]

Owning a farm can be a high-stakes enterprise, and you can't afford any event that would harm your business, especially flooded land. Inland flooding is one of the biggest risks to Americans. Many people don't think they need flood insurance, but if you're near a river, a creek and you suddenly have intense rainfall, there's a flood risk. Even when your farm isn't on the Gulf coast, seriously flooded farms can happen. That's why it's important your farm has flood insurance. Here's what to consider.

This project overviews loan providers and grant makers, and the process for getting funding. •• About the Project: As an expert reviewer for this website, I substantially rewrote, updated, and expanded this review, which was the equivalent of 13-15 pages of text. I also used my doctoral-level research skills, employed my substantial expertise in SEO, small business operations and lending, and U.S. politics and economics, and I provided editorial direction. This project, which was the equivalent of 15 pages of text, took 30 hours to complete. The editor was an SEO expert and said the end product met his high SEO standards for content. Because of my work and extensive expertise on the two original reviews I wrote to the site, he made me an expert on the site. Click my name in the review to see why this website made me one of its experts. [Note: Clients pay me by the hour for projects like this.]

You have many things to consider as a hair or nail salon contractor working under a salon booth rental agreement. You only get paid based on the number of clients you service as an independent contractor, so making your revenue stream consistent is important. But there are plenty of other aspects of business operations to think through, too, and getting the right business insurance in place is one of them. Here's what to consider.

A high volume of sales may make you feel profitable, but that’s not the same as having strong cash flow. After all, you can appear profitable at certain times, but be in the red in others. It’s only by proactively balancing how you manage your cash flow—revenue, expenditures and profits—that you have cash to maintain business operations consistently. That allows you to take advantage of opportunities to invest in expansion efforts. Here's how to manage your cash flow in a balanced way for small business growth.

No matter what your business does, it’s essential you build relationships with a dedicated network of financial advisors. They help you operate, develop, and grow your business so you can focus on serving your customers while avoiding financial missteps. But which do you need and when do you need them?

Crowdfunding combines crowdsourcing and microfinancing. It does that by allowing individuals to invest small amounts in businesses that interest them. Sometimes, funders may outright donate money to your business. In others, they expect something in return, like equity, loan repayment, products or services. It is a way a small business owner can finance a new or existing enterprise without going to the bank. Here's how to find the best crowdfunding sites for your business.

If you have over 20 staff, it’s not enough for you to give HR work to someone in finance or operations. Creating your own HR team can improve employee experience and free you to focus on your business. Here's how.

Successful small business owners recognize how essential it is to commit to ongoing marketing efforts for their products or services. Marketing management isn’t just a seasonal event. It’s a business activity you constantly conduct, setting year-round objectives to achieve specific marketing goals. Here's how to do it well.

Have you been thinking you want to start a business? So much planning goes into following your dream, and we know it can be a struggle to finance its startup and daily operations. We also know that finding funding opportunities for your enterprise can be harder during a global pandemic. You may not be eligible for small business loans. But you may be qualified for grants. Here's how to learn if you are.

Usually, when you start your freelance writing business, you wear all the hats. You not only complete writing assignments for clients, but you also conduct all marketing and administrative tasks, from blogging to bookkeeping. If you hope to develop your dream writing business, however, you must outsource some tasks at some point — and not just once in a while. This goes beyond using apps to manage your business yourself to hiring other humans to help. For many, this is a scary prospect because

Debate rages around the liability freelancers accept when they agree to contracts that hold them liable for their words using indemnity clauses. Other contract terms related to confidentiality violations, libel or defamation committed while writing give freelancers pause. Wanting to protect their business or personal property in lawsuits related to business activities, writers can establish an entity with a state government agency. Here's how to register your entity and keep it legal.

These days, layoffs in journalism are regular news. Journalists find themselves the targets of budget cuts as publications routinely cut work budgets, pay, schedules, head counts or go under altogether. Journalists exit their newsroom jobs for other reasons, too, like changing family obligations. But, how do you make this change successfully? Let these former full-time newspaper journalists turned freelancers tell you.

If you’re like most freelancer writers, you’re savvy enough to know before starting a writing project, it’s imperative you put in place a solid contract that sets clear client expectations. However, that’s not always easy even when you recognize that as a freelance writer, you’re a small business owner in the sales business. Because sales mean negotiating, one of the most asked questions I see on freelance writer forums relates to negotiating work terms, especially pay. This blog post tells you how.

If you want to know how well you're really operating your business, you'll need to know your business's working capital, also known as net working capital. It's a moment of truth for your company's financial health – telling you the difference between what you owe and what your business owns at any given time. Plus, it's one of the most important numbers lenders often rely on to decide if your company is worth financing. My blog post breaks it down to make it super simple to compute.

Having good credit is vital to any business, so it’s vital to start building yours from the moment you decide to start your business. But, because business credit is different from personal credit, you’ll need a strategy. That starts with an understanding of what business credit is all about. Here's what to know.

Taxable situs can be challenging. The jurisdiction that has the right to tax a transaction depends on situs, or the legal location of the transaction. “This can get very complicated depending on states involved, where the buyer is, where seller is and if the product is shipped,” says Hutchinson. He adds that interstate ecommerce transactions further complicate things. For Metoyer, it depends on where she is in the Miami area when she’s selling ice cream. “I make sure I charge sales tax...

Your small business is starting to grow exponentially and you need to stay agile. But what are the right strategies to keep your business growing in the right direction while avoiding landmines? This blog post tells you how to do that while keeping employees and customers happy.

Like most people, lawyers make New Year’s resolutions every year. But if you’re someone who makes resolutions without any plans or tools to accomplish them, your commitment to self-improvement is just an empty promise to yourself. Read these 11 books and make next year your best year yet.

Like any small business owner, solo and small firm attorneys see the end of the year as fiscal crunch time. They’re trying to close out the year strong and meet those last few goals. But, it’s possible to slow down and enjoy the holiday if you have the right strategy. This blog post can help even the most stressed attorneys slow down and enjoy this time of year.