In prior entries, we have discussed a variety of issues related to the fee disclosure responsibilities of broker/dealers and financial advisors. This month, well address the impact of the 408(b)(2) disclosure regulations on third party administrators.

Although the high unemployment rate is believed to impact the outlook for industry retail sales growth in 2012, the retail industry is expected to grow at a rate faster than many other industries as sales rise 3.4 percent to $2.53 trillion, according to the National Retail Federation.

More adult children now have health insurance, thanks to a mandate of the Patient Protection and Affordable Care Act.

According to a new survey, a third of carriers feel that their companys current multi-states practices hurt sales.

Although hiring independent contractors can reduce the paperwork, tax burden and hassles associated with bringing on employees, Christopher Ezold, a business attorney and tax partner with the Ezold Law Firm P.C., a Philadelphia-based employment and business boutique, warns that employers can expect contractor classification changes by the IRS in 2012.

E*Trade Securities LLC has agreed to return up to $20 million to California investors over allegations that the company misrepresented auction rate securities to investors as safe, cash-equivalent products, even though the products faced increasing liquidity risk.

A new study by LIMRA International, released in November of 2011, shows that two factors are powerful in influencing consumers decisions to buy life insurance.

Republicans would cut federal employee benefits. President Barack Obama would raise fees for airline passengers and eliminate Saturday mail delivery. Democrats in Congress would charge employers higher premiums for federal pension guarantees.