Unlike the past two years, when the focus was on helping clients navigate the pandemic, he expects many brokers to begin focusing more on internal challenges this year. (Illustration by Jeff Hinchee)

Crystal balls are not always accurate.

Just a few years ago, brokers looking ahead to 2020 could not have predicted the radical changes that the pandemic would soon bring to the industry. And assumptions about the economy over the past few years have consistently proven to be wrong. What the coming year has in store is anyone's guess, but benefits advisors continue to move forward by applying the lessons of the past and implementing new strategies for the future.

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