FEBRUARY 2024: Fintech
COVER STORY
Soft Skills for the Augmented Adviser
By Danielle Andrus
Planners who are testing the waters of AI shouldn’t lose sight of what makes them human.
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PRACTICE MANAGEMENT
Assessing Where We Are for a Brighter Future: Three Key Insights from a Women in Wealth Management Study
By Ana Trujillo Limón
Women possess a number of skills vital to success as financial planners.
FEATURE
When Clients Are Compromised
By Andy Baxley, CFP®, CIMA, MSFP
Scammers have more sophisticated tools that can fool even your savviest clients. Planners need to stay vigilant and be ready to act.
FPA NEXT GENERATION PLANNER
Lead Article
Providing Stellar Service, Even When the Times Get Tough
By Mike Byrnes
Featured Article
Louie Gravance’s Seven Secrets to Providing Magical Service
By Bridger Cummings
Planner Poll
The FPA Community Weighs in on Going the Extra Mile
Planning a STUDY GROUP? Check out suggested questions and other resources to make your study group a success!
COLUMNS
Longevity
What AI Means for Clients’ Health
By Chris Heye, Ph.D.
There are clear implications for AI in health and medicine that will affect how planners design financial strategies for their clients.
Investment Planning
Have We Reached Peak Mutual Funds?
By Alexi Maravel
Evidence suggests that, while not walking away en masse from the ’40 Act fund, advisers are seeking other ways to put client assets to work.
SPECIAL REPORT
It May Be a Mistake to Delay Social Security Retirement Benefits
By Gary Smith and Margaret H. Smith, Ph.D., CFP®
The inflection point for delaying Social Security for a higher benefit might be later in life than is practical for most retirees.
RESEARCH
‘I Haven’t Really Thought About It’: Consumer Attitudes Related to Long-Term Care
By Sophia Ashebir; Alexa Balmuth; Samantha Brady; Lisa D’Ambrosio, Ph.D.; Adam Felts; and Joseph Coughlin, Ph.D.
Everyone thinks about retirement, but research shows that not enough people are considering how they will afford long-term care and who is going to provide it.
Earn one CFP CE® credit by reading this month's Journal and access past exams for additional credits.
DEPARTMENTS
STARTING THOUGHTS
Planner for the People
By Danielle Andrus
OBSERVER
Trust in Fintech, ESG Falling Out of Favor, and Spot Bitcoin ETF
Stat Bank
VOICE
DOL Fiduciary Rule: A Solution Looking for a Problem
JFP ACADEMICS
Upcoming Research
CELEBRATING 50 YEARS OF CFP® CERTIFICATION
IN CASE YOU MISSED IT
The Role of Self-Disclosure for Financial Planners
By Armahn Hadjian, CFP®, CIMA; Megan McCoy, Ph.D., LMFT, AFC, CFT-I; and Meghaan Lurtz, Ph.D.
Small talk or big reveals can impact the client–planner relationship. Here are some best practices and pitfalls of self-disclosure we have learned from the counseling profession.
