<!DOCTYPE html>
<html lang="en">
    <head>
        <meta charset="UTF-8">


    <title>Aiding clients after disaster: From insurance advice to retirement fund strategies  | Financial Planning</title>



    <link rel="canonical" href="https://www.financial-planning.com/news/aiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies">



    <meta name="description" content="Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients." />



    <meta name="keywords" content="Disaster planning, Crisis management, Insurance, Tax planning, Client strategies, Client communications, Retirement planning, Philanthropy, 401(k)" />
    <meta name="news_keywords" content="Disaster planning, Crisis management, Insurance, Tax planning, Client strategies, Client communications, Retirement planning, Philanthropy, 401(k)" />



    <meta  http-equiv="X-UA-Compatible" content="IE=edge" />


    <meta  name="viewport" content="width=device-width, initial-scale=1" />


    <meta  property="og:site_name" content="Financial Planning" />


    <meta  property="fb:app_id" content="948048028649511" />


    <meta  property="og:title" content="Aiding clients after disaster: From insurance advice to retirement fund strategies" />


    <meta  property="og:description" content="Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here&rsquo;s how to be effective if it happens to your clients." />


    <meta  name="twitter:card" content="summary_large_image" />


    <meta  name="twitter:site" content="@finplan" />


    <meta  name="twitter:title" content="Aiding clients after disaster: From insurance advice to retirement fund strategies" />


    <meta  property="twitter:description" content="Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here&rsquo;s how to be effective if it happens to your clients." />


    <meta  property="twitter:image" content="https://assets.sourcemedia.com/dims4/default/39a75ae/2147483647/crop/4000x2143%2B0%2B0/resize/560x300%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg" />


    <meta  name="storyId" content="0000015e-33d1-dc28-a57e-bbd9a8370000" />


    <meta  name="sailthru.title" content="Aiding clients after disaster: From insurance advice to retirement fund strategies" />


    <meta  name="sailthru.description" content="Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here&rsquo;s how to be effective if it happens to your clients." />


    <meta  name="sailthru.image.full" content="https://assets.sourcemedia.com/9a/8b/9f43beec4cd391d1917a83d8c123/hurricaneharvey-hurts-homeowners-bloomberg.jpg" />


    <meta  name="sailthru.image.thumb" content="https://assets.sourcemedia.com/dims4/default/cb2cf1a/2147483647/crop/4000x2633%2B0%2B0/resize/600x395%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg" />


    <meta  name="sailthru.author" content="Dave Grant" />


    <meta  name="displaytag" content="Disaster planning" />


    <meta  name="sailthru.tags" content="Business administration, Strategic planning, Disaster planning, Crisis management, Insurance, Tax, Tax strategies, Tax planning, Practice management, Client strategies, Client communications, Financial planning, Retirement planning, Philanthropy, Investments, Investment accounts, DC plans, 401(k)" />


    <meta  name="featured" content="0" />


    <meta  name="sailthru.date" content="2017-08-30T12:28:11.674-04:00" />


    <meta  name="sailthru.expire_date" content="2017-09-30T12:28:11.674-04:00" />


    <meta  name="contentprefix" content="Article" />


    <meta  property="og:type" content="article" />


    <meta  property="og:image" content="https://assets.sourcemedia.com/dims4/default/dc6dd56/2147483647/crop/4000x2100%2B0%2B0/resize/1200x630%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg" />


    <meta  property="og:url" content="https://www.financial-planning.com/news/aiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" />


    <meta  name="lytics:topics" content="SM: Tax, SM: Investment accounts, SM: Client strategies, SM: Insurance, SM: Disaster planning, SM: Tax planning, SM: Financial planning, SM: Investments, SM: Strategic planning, SM: Client communications, SM: DC plans, SM: Practice management, SM: Business administration, SM: 401(k), SM: Philanthropy, SM: Crisis management, SM: Retirement planning, SM: Tax strategies" />


    <meta  name="gptAdUnitPath" content="/16059533/FinancialPlanning/Article" />


    <meta  name="sponsored" content="0" />




    <link  rel="shortcut icon" href="https://assets.sourcemedia.com/5c/54/6c5ae1fd420bab100bb00e35da98/fp-favicon.png" />


    <link  rel="apple-touch-icon" href="https://assets.sourcemedia.com/f6/20/5f5b24714306a0d3369c7fd7ef1b/fp-apple-touch-icon.png" />




    
    <link  rel="stylesheet" type="text/css" href="https://assets.sourcemedia.com/resource/assets/styles/site-fp.min.4a2f6fc8da6ee01d0f90e2a1f80ef54c.gz.css" />



    
    <style  type="text/css">
/* Global Extra CSS */
.action-bar .action .icon{ color:#fff!important; }
.OpinionModule .author-bio .author-image{ display:inline-block;}

@media only screen and (max-width: 969px) and (min-width: 768px) {
    .brief.num-items-5 .more-features>.list>li {
        min-height: 390px;
    }
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }
}

@media only screen and (max-width: 1199px) and (min-width: 970px) {
	.brief.num-items-5 .more-features>.list>li {
		min-height: 435px;
	}
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }
}

@media only screen and (max-width: 1399px) and (min-width: 1200px) {
	.brief.num-items-5 .more-features>.list>li {
		min-height: 460px;
	}
	.brief.num-items-5 .more-features>.list>li:nth-last-child(4) {
		min-height:	275px;
	}
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }

}

@media only screen and (min-width: 1400px) {
	.brief.num-items-5 .more-features>.list>li:nth-child(n) {
	       min-height: 490px;
    }
    .brief:not(.brief-skinny) .more-features ol.list li {
        min-height: initial;
    }
}
img[src*=newspics] {
    margin-right: 20px;
}</style>





    <script  type="text/javascript" src="https://assets.sourcemedia.com/resource/assets/scripts/main.min.38158e5a268c966e88899344476f2f61.gz.js"></script>


    <script  type="text/javascript">
/* -- Sailthru Horizon --*/
(function() {
        function loadHorizon() {
            var s = document.createElement('script');
            s.type = 'text/javascript';
            s.async = true;
            s.src = location.protocol + '//ak.sail-horizon.com/horizon/v1.js';
            var x = document.getElementsByTagName('script')[0];
            x.parentNode.insertBefore(s, x);
        }
        loadHorizon();
        var oldOnLoad = window.onload;
        window.onload = function() {
            if (typeof oldOnLoad === 'function') {
                oldOnLoad();
            }
            Sailthru.setup({
                domain: 'horizon.email.financial-planning.com',
                useStoredTags: false
            });
        };
    })();</script>


    <script  type="text/javascript">!function(l,a){a.liosetup=a.liosetup||{},a.liosetup.callback=a.liosetup.callback||[],a.liosetup.addCallback=function(l){if("function"==typeof a.liosetup.callback){var o=[];o.push(a.liosetup.callback),a.liosetup.callback=o}a.lio&&a.lio.loaded?l(a.lio.data):a.liosetup.callback.push(l)}}(document,window);
!function(o,g){g.googletag=g.googletag||{},g.googletag.cmd=g.googletag.cmd||[],"undefined"!=typeof g.googletag?g.googletag.cmd.push(function(){g.googletag.pubads().disableInitialLoad()}):console.warn("attempting to load Lytics for DFP before initializing googletag"),g.liosetup.callback.push(function(o){o||o.segments?g.googletag.cmd.push(function(){g.googletag.pubads().setTargeting("LyticsSegments",o.segments),g.googletag.pubads().refresh()}):(console.warn("unable to load Lytics audiences for DFP"),g.googletag.pubads().refresh())})}(document,window);</script>


    <script  type="text/javascript">window.jstag = function() {
        function t(t) {
            return function() {
                return t.apply(this, arguments), this
            }
        }

        function n() {
            var n = ["ready"].concat(c.call(arguments));
            return t(function() {
                n.push(c.call(arguments)), this._q.push(n)
            })
        }
        var i = {
                _q: [],
                _c: {},
                ts: (new Date).getTime(),
                ver: "2.0.0"
            },
            c = Array.prototype.slice;
        return i.init = function(t) {
            return i._c = t, t.synchronous || i.loadtagmgr(t), this
        }, i.loadtagmgr = function(t) {
            var n = document.createElement("script");
            n.type = "text/javascript", n.async = !0, n.src = t.url + "/api/tag/" + t.cid + "/lio.js";
            var i = document.getElementsByTagName("script")[0];
            i.parentNode.insertBefore(n, i)
        }, i.ready = n(), i.send = n("send"), i.mock = n("mock"), i.identify = n("identify"), i.pageView = n("pageView"), i.bind = t(function(t) {
            i._q.push([t, c.call(arguments, 1)])
        }), i.block = t(function() {
            i._c.blockload = !0
        }), i.unblock = t(function() {
            i._c.blockload = !1
        }), i
    }(), window.jstag.init({
        cid: "103fde727a1ea242164d0420f5e2bcdf",
        url: "//c.lytics.io",
        min: true,
        loadid: true
    });</script>


    <script  type="text/javascript">jstag.send({"content":"Article","tags":["Business administration","Strategic planning","Disaster planning","Crisis management","Insurance","Tax","Tax strategies","Tax planning","Practice management","Client strategies","Client communications","Financial planning","Retirement planning","Philanthropy","Investments","Investment accounts","DC plans","401(k)"]});</script>


    <script  type="text/javascript">(function() {
var useSSL = 'https:' == document.location.protocol;
var src = (useSSL ? 'https:' : 'http:') + '//www.googletagservices.com/tag/js/gpt.js';
document.write('<scr' + 'ipt src="' + src + '"></scr' + 'ipt>');
})();
</script>


    <script  type="text/javascript">
if (typeof googletag !== 'undefined') {
var SM = SM || {}; 
SM.REFRESHABLE = SM.REFRESHABLE || [];
    var slot_collapsed_header1 = googletag.defineSlot('/16059533/FinancialPlanning/Article', [[728,90],[970,91],[970,90],[970,250]], 'gpt-ad-collapsed_header1')
        .addService(googletag.pubads())
        .setTargeting('pos', 'collapsed_header1')
    var slot_bigbox1 = googletag.defineSlot('/16059533/FinancialPlanning/Article', [[300,250],[300,600],[300,1050]], 'gpt-ad-bigbox1')
        .addService(googletag.pubads())
        .setTargeting('pos', 'bigbox1')
        SM.REFRESHABLE.push({slot: slot_bigbox1, id: 'gpt-ad-bigbox1', revision: 0, adUnit: '/16059533/FinancialPlanning/Article', sizes: JSON.parse('[[300,250],[300,600],[300,1050]]') , pos: 'bigbox1', PID: 'null' });
    var slot_bigbox2 = googletag.defineSlot('/16059533/FinancialPlanning/Article', [[300,250],[300,600]], 'gpt-ad-bigbox2')
        .addService(googletag.pubads())
        .setTargeting('pos', 'bigbox2')
        SM.REFRESHABLE.push({slot: slot_bigbox2, id: 'gpt-ad-bigbox2', revision: 0, adUnit: '/16059533/FinancialPlanning/Article', sizes: JSON.parse('[[300,250],[300,600]]') , pos: 'bigbox2', PID: 'null' });
    googletag.pubads().setTargeting('topics', ["business-administration","strategic-planning","disaster-planning","crisis-management","insurance","tax","tax-strategies","tax-planning","practice-management","client-strategies","client-communications","financial-planning","retirement-planning","philanthropy","investments","investment-accounts","dc-plans","401-k"]);
    googletag.pubads().setTargeting('storyID', '0000015e-33d1-dc28-a57e-bbd9a8370000');
    googletag.pubads().enableAsyncRendering();
    googletag.enableServices();
    googletag.pubads().updateCorrelator();
}
</script>


    <script  type="text/javascript">(function(i,s,o,g,r,a,m){i['GoogleAnalyticsObject']=r;i[r]=i[r]||function(){
(i[r].q=i[r].q||[]).push(arguments)},i[r].l=1*new Date();a=s.createElement(o),
m=s.getElementsByTagName(o)[0];a.async=1;a.src=g;m.parentNode.insertBefore(a,m)
})(window,document,'script','//www.google-analytics.com/analytics.js','ga');
ga('create', 'UA-219761-22', 'auto', {'allowLinker': true});
ga('require', 'linker');
ga('linker:autoLink', ['events.sourcemediaconferences.com'])</script>


    <script  type="text/javascript">var SM = SM || {};
SM.DIMENSIONS = SM.DIMENSIONS || {};SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"] = SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"] || {};
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension1'] = "Dave Grant";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension3'] = "non-registered-user";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension5'] = "FreeWithReg";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension8'] = "14";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension9'] = "20170830";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension10'] = "Business administration::Strategic planning::Disaster planning,Business administration::Strategic planning::Disaster planning,Business administration::Strategic planning::Disaster planning::Crisis management,Insurance,Tax::Tax strategies::Tax planning,Practice management::Client strategies,Practice management::Client strategies::Client communications,Financial planning::Retirement planning,Financial planning::Philanthropy,Investments::Investment accounts::DC plans::401(k)";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension14'] = "1505";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension15'] = "Article";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension17'] = "Disaster planning, Crisis management, Insurance, Tax planning, Client strategies, Client communications, Retirement planning, Philanthropy, 401(k)";
SM.DIMENSIONS["Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning"]['dimension20'] = "Landing/Clicked";

//COMMENT: Old code below com.sourcemedia.view.pages.AbstractPageViewCreator$1 for comparison -- when save it will be removed..

var dimension1 = "Dave Grant";

var dimension3 = "non-registered-user";

var dimension5 = "FreeWithReg";

var dimension8 = "14";

var dimension9 = "20170830";

var dimension10 = "Business administration::Strategic planning::Disaster planning,Business administration::Strategic planning::Disaster planning,Business administration::Strategic planning::Disaster planning::Crisis management,Insurance,Tax::Tax strategies::Tax planning,Practice management::Client strategies,Practice management::Client strategies::Client communications,Financial planning::Retirement planning,Financial planning::Philanthropy,Investments::Investment accounts::DC plans::401(k)";

var dimension14 = "1505";

var dimension15 = "Article";

var dimension17 = "Disaster planning, Crisis management, Insurance, Tax planning, Client strategies, Client communications, Retirement planning, Philanthropy, 401(k)";

var dimension20 = "Landing/Clicked";
</script>


    <script  type="text/javascript" src="//dc8xl0ndzn2cb.cloudfront.net/js/financial-planning/v0/keywee.min.js"></script>


    <script  type="text/javascript">
/* Site Extra JS */
function GetIEVersion() {
    var sAgent = window.navigator.userAgent;
    var Idx = sAgent.indexOf("MSIE");
    if (Idx > 0)
        return parseInt(sAgent.substring(Idx+ 5, sAgent.indexOf(".", Idx)));
    else if (!!navigator.userAgent.match(/Trident\/7\./)) 
        return 11;
    else
        return 0;
}
function setIEBanner() {
    $( document ).ready(function() {
        if (GetIEVersion() < 11 && GetIEVersion() !== 0) {
            $('<div style="width:80%;text-align:center;font-weight:bold;font-size:1.4em;margin: 20px auto;padding:">Financial Planning now only supports Internet Explorer 11 and above. <br/>Please upgrade your browser.<br/> Learn more: <a style="white-space:nowrap;" href="https://www.microsoft.com/en-us/WindowsForBusiness/End-of-IE-support">https://www.microsoft.com/en-us/WindowsForBusiness/End-of-IE-support</a></div>').insertBefore('.site-header-wrapper');
        }
    });
}
if (GetIEVersion() <= 8 && GetIEVersion() !== 0) {
    var script = document.createElement('script');
    script.setAttribute("src", "https://ajax.googleapis.com/ajax/libs/jquery/1.12.2/jquery.min.js");
    script.setAttribute("type", "text/javascript");
    (document.getElementsByTagName("head")[0] || document.documentElement).appendChild(script);
}
window.setTimeout(setIEBanner, 3000);

   (function() {
       var d=document,h=d.getElementsByTagName('head')[0],s=d.createElement('script'),sc = 'https:' == document.location.protocol ? 'https://' : 'http://';
   s.type='text/javascript';
   s.async=true;
   s.src=sc+'s.dpmsrv.com/dpm_c415505dca69be631ca5d391b3ccd2b44b52d017.min.js';
   h.appendChild(s);
   })();

// BEGIN LuckyOrange
window.__wtw_lucky_site_id = 80020;

(function () {
var wa = document.createElement('script'); wa.type = 'text/javascript'; wa.async = true;
wa.src = 'https://d10lpsik1i8c69.cloudfront.net/w.js';
var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(wa, s);
})();
// END LuckyOrange
    
    
//START Facebook tracking pixel
!function(f,b,e,v,n,t,s)
{if(f.fbq)return;n=f.fbq=function()
{n.callMethod? n.callMethod.apply(n,arguments):n.queue.push(arguments)}
;
if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0';
n.queue=[];t=b.createElement(e);t.async=!0;
t.src=v;s=b.getElementsByTagName(e)[0];
s.parentNode.insertBefore(t,s)}(window,document,'script',
'https://connect.facebook.net/en_US/fbevents.js');
fbq('init', '214701145594589');
fbq('track', 'PageView');
fbq('track', 'ViewContent');
//END Facebook tracking pixel

// BEGIN Marketo Munchkin
(function() {
  var didInit = false;
  function initMunchkin() {
    if(didInit === false) {
      didInit = true;
      Munchkin.init('555-ETU-514', {"wsInfo":"j1RQ"});
    }
  }
  var s = document.createElement('script');
  s.type = 'text/javascript';
  s.async = true;
  s.src = '//munchkin.marketo.net/munchkin.js';
  s.onreadystatechange = function() {
    if (this.readyState == 'complete' || this.readyState == 'loaded') {
      initMunchkin();
    }
  };
  s.onload = initMunchkin;
  document.getElementsByTagName('head')[0].appendChild(s);
})();
// END Marketo Munchkin
</script>


    <script  type="text/javascript" src="//vid1037.d41.co/sync/" async="true" deferred></script>


    <script  type="text/javascript" src="//cdn-0.d41.co/tags/dnb_coretag_v3.min.js"></script>


    <script  type="text/javascript">dnbvid.getData("vid1037", "json", "T", function(dnb_Data) {
jstag.send({'DnB DUNS Number':dnb_Data.duns,'DnB Company Name':dnb_Data.companyName,'DnB Company Address City':dnb_Data.companyCity,'DnB Company Address State':dnb_Data.companyState,'DnB Company Address Zip 5':dnb_Data.companyZip5,'DnB Company Address County':dnb_Data.companyCounty,'DnB Company MSA':dnb_Data.companyMsa,'DnB Company Region':dnb_Data.companyRegion,'DnB Company Address Country':dnb_Data.companyCountry,'DnB Fortune 1000':dnb_Data.fortune1000,'DnB Industry NAICS Description':dnb_Data.industryNaics,'DnB Industry SIC Description':dnb_Data.industrySic,'DnB Sales Number':dnb_Data.salesAnnualNum,'DnB Employees Across Locations Number':dnb_Data.employeesInAllLocationsNum,'DnB IT Expense Percentage':dnb_Data.itExpense,'DnB Vanity Title':dnb_Data.vanityTitle,'DnB Job Function':dnb_Data.jobFunction,'DnB Job Seniority':dnb_Data.jobSeniority});
});
</script>


    <script  type="text/javascript">$( document ).ready(function() {
    $('body').attr('data-bv-key','900204d1-a678-49e1-ab36-b73fac3d212d');
});</script>


    <script  type="text/javascript">$( document ).ready(function() {
    $('body').attr('data-reCaptcha-sitekey','6LcbChQUAAAAAKykGDXc9ZAHJgatnWBYUbLwr-lk');
});</script>


    <script  type="application/ld+json">{
  "@context": "http://schema.org",
  "@type": "Organization ",
  "name": "Financial Planning"
,
  "url": "https://www.financial-planning.com/"
,
  "logo": "https://assets.sourcemedia.com/6c/d4/1cf9b89e4ac09f416a48c6d6626d/fp2016-logo-color-338x40.png"
,
  "sameAs": ["https://www.facebook.com/FinancialPlanningMagazine", "https://twitter.com/finplan", "https://www.linkedin.com/groups/4033830/profile", "https://plus.google.com/+Financialplanning1/posts"]
,
  "contactPoint": [{
  "@type": "ContactPoint",
  "telephone": "+1-212-803-8500",
  "contactType": "customer service"
}]}</script>


    <script  type="application/ld+json">{"creator":["Dave Grant"],"dateCreated":"2017-08-30T16:28:11.674Z","keywords":["disaster planning","crisis management","insurance","tax planning","client strategies","client communications","retirement planning","philanthropy","401(k)"],"@type":"NewsArticle","@context":"http://schema.org","articleSection":"Article","headline":"Aiding clients after disaster: From insurance advice to retirement fund strategies","url":"https://www.financial-planning.com/news/aiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies","thumbnailUrl":"https://assets.sourcemedia.com/dims4/default/0cf9c6a/2147483647/crop/3556x2667%2B0%2B0/resize/600x450%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg"}</script>


    <script  type="application/ld+json">{
  "@context": "http://schema.org",
  "@type": "NewsArticle",
  "mainEntityOfPage": {
    "@type": "WebPage",
    "@id": "https://www.financial-planning.com"
  },
  "headline": "Aiding clients after disaster: From insurance advice to retirement fund strategies",
  "image": [
    "https://assets.sourcemedia.com/dims4/default/2d59dcf/2147483647/crop/4000x2253%2B0%2B0/resize/600x338%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg",
    "https://assets.sourcemedia.com/dims4/default/0cf9c6a/2147483647/crop/3556x2667%2B0%2B0/resize/600x450%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg"
   ],
  "datePublished": "2017-08-30T12:28:11.674-0400",
  "dateModified": "2017-08-30T12:28:42.415-0400",
  "author": [{"@type":"Person","name":"Dave Grant"}]
  ,
   "publisher": {
    "@type": "Organization",
    "name": "Financial Planning",
    "logo": {
      "@type": "ImageObject",
      "url": "https://assets.sourcemedia.com/6c/d4/1cf9b89e4ac09f416a48c6d6626d/fp2016-logo-color-338x40.png"
    }
  },
  "description": "Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients."
}</script>


    <script  type="text/javascript" src="//a.teads.tv/page/70919/tag" async="true" class="teads"></script>



        <script> dataLayer = [{'pageCategory': 'Statistics','visitorType': 'high-value'}]; </script>
        <!-- Google Tag Manager -->
<script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start':
new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0],
j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src=
'https://www.googletagmanager.com/gtm.js?id='+i+dl+ '&gtm_auth=me3X7LNg-JdDxmGhCRMPNw&gtm_preview=env-18&gtm_cookies_win=x';f.parentNode.insertBefore(j,f);
})(window,document,'script','dataLayer','GTM-NZ7MV3Z');</script>
<!-- End Google Tag Manager -->
    </head>
    <body class="fp">

        <!-- Google Tag Manager (noscript) -->
<noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-NZ7MV3Z&gtm_auth=me3X7LNg-JdDxmGhCRMPNw&gtm_preview=env-18&gtm_cookies_win=x"
height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript>
<!-- End Google Tag Manager (noscript) -->
        
            <div class="floating-sheet sm-welcome-ad "
    data-sm-floating-sheet
    data-sm-floating-sheet-options='{"preloaded":true}'>
    <div class="floating-sheet-header">
        <div class="floating-sheet-title">
            <a  href="/" data-cms-ai="0">
<img  alt="Financial Planning" src="https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png" />

    

</a>
        </div>
        <div class="floating-sheet-button--alt"
             data-sm-welcome-ad
             data-countdown="4"
             data-auto-close="10"
             data-expiry="300000">
            <span class="text">Continue in <span class="duration">4</span> seconds</span>
            
        </div>
    </div>

    <div class="floating-sheet-content">
        <!-- _deferred-display-ad.hbs -->
<div

    
    class="sm-advertisement "
    data-sm-google-ad
    data-sm-google-ad-options='{
        "id":"gpt-ad-welcomead",
        "position":"welcomead",
        "sizes":"[[640,480]]",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":true
        , "suppressAddSlot":true
    }'>
</div>

    </div>
</div>
<script>
window.welcomeAd.init($('.floating-sheet-button--alt'));
</script>

        

        

        
    
    


    <div class="site-header-wrapper-spacer">
        <div class="site-header-wrapper"
             data-sm-site-header
            data-sm-site-header-options='{"dropdownLabel":"All Sections"}'
            >
            
            
                <div class="site-header-ad-wrapper">
                    <div class="ad"><!--sm-display-ad.hbs-->
<div id="gpt-ad-collapsed_header1"  data-sm-google-ad-options='{
        "id":"",
        "position":"collapsed_header1",
        "sizes":"",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":
    
    }'>
</div>
</div>
                </div>
            

            <div class="site-header-tophat">
                <div class="tophat-registration-wrapper sm-two-col-flex">
                    <div class="sm-col-left">
                        <span class="tophat-cta-text tophat-cta-text--long">The network for financial advisors</span>

                        <span class="tophat-cta-text tophat-cta-text--short">The network for financial advisors</span>

                    </div>

                    
                        <div class="sm-col-right">
                            
    
        <a  href="#" title="Login" data-sm-header-login-button data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/login?_viewType=module" data-cms-ai="0">Login</a>
    




    <a  href="#" title="Register" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/registration-subscription?step=ac&amp;branch=true" data-cms-ai="0">Register</a>


                        </div>
                    
                </div>
            </div>
            <div class="site-header">
                <div class="site-header-btn site-header-btn--menu" data-action-state="open">
                    <i class="icon"></i>
                </div>

                
                    <div class="site-header-logo">
                        <a  href="/" data-cms-ai="0">
<img  src="https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png" alt="Financial Planning" />

    

</a>
                    </div>
                

                <div class="site-header-nav site-header-nav--noflex">
                    <!-- reversed order to handle flex-box scenario where there is NO primary -->
                    
                        
<ul class="list header-nav-list header-nav-list--secondary">
	
		<li><a  href="//www.financial-planning.com/resources" data-cms-ai="0">Resources</a></li>
	
		<li><a  href="//www.financial-planning.com/events" data-cms-ai="0">Events</a></li>
	
</ul>

                    
                    
                    
                        
<ul class="list header-nav-list header-nav-list--primary">
	
		<li><a  href="http://promo.sourcemedia.com/financial-planning/techsurvey/" target="_blank" data-cms-ai="0">Tech Survey</a></li>
	
		<li><a  href="/financial-practice-management" data-cms-ai="0">Practice</a></li>
	
		<li><a  href="/financial-portfolio-management" data-cms-ai="0">Portfolio</a></li>
	
		<li><a  href="/financial-industry" data-cms-ai="0">Industry</a></li>
	
		<li><a  href="/financial-planning-and-analysis" data-cms-ai="0">Voices</a></li>
	
</ul>

                    
                </div>

                
                    <div class="site-header-btn site-header-btn--search"
    data-sm-content-teaser
    data-sm-content-teaser-options='{
        "title":"&lt;img src&#x3D;&#x27;https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png&#x27; /&gt;",
        "target":"_dom",
        "contentUrl":"//www.financial-planning.com/search?_viewType&#x3D;searchInput"
    }'>
    <i class="icon-search"></i>
    <span class="label">Search</span>
</div>

                

                
            </div>

            <div class="site-header-overlay site-header-overlay--nav" data-toggle-state="off">
                <div class="nav-overlay-btn--search">
                    <div class="site-header-btn site-header-btn--search"
    data-sm-content-teaser
    data-sm-content-teaser-options='{
        "title":"&lt;img src&#x3D;&#x27;https://assets.sourcemedia.com/44/26/66a30f9d45d6b5e609060b947923/fp-2016-web-copy.png&#x27; /&gt;",
        "target":"_dom",
        "contentUrl":"//www.financial-planning.com/search?_viewType&#x3D;searchInput"
    }'>
    <i class="icon-search"></i>
    <span class="label">Search</span>
</div>

                </div>

                
                    
<ul class="list header-nav-list header-nav-list--primary">
	
		<li><a  href="http://promo.sourcemedia.com/financial-planning/techsurvey/" target="_blank" data-cms-ai="0">Tech Survey</a></li>
	
		<li><a  href="/financial-practice-management" data-cms-ai="0">Practice</a></li>
	
		<li><a  href="/financial-portfolio-management" data-cms-ai="0">Portfolio</a></li>
	
		<li><a  href="/financial-industry" data-cms-ai="0">Industry</a></li>
	
		<li><a  href="/financial-planning-and-analysis" data-cms-ai="0">Voices</a></li>
	
</ul>

                

                
                    
<ul class="list header-nav-list header-nav-list--secondary">
	
		<li><a  href="//www.financial-planning.com/resources" data-cms-ai="0">Resources</a></li>
	
		<li><a  href="//www.financial-planning.com/events" data-cms-ai="0">Events</a></li>
	
</ul>

                
            </div>

            
                
<div class="debug-tab"></div>

    
    
    
    

    
        <div class="ReadingList"
             data-sm-reading-list-new>
            
                <div class="ReadingList-container">
                    
        <div class="ReadingList-primaryMenuItems">
            <div class="ReadingList-primaryMenuItems-favicon">
                <a  href="/" data-cms-ai="0">
<img  alt="Financial Planning" src="https://assets.sourcemedia.com/5c/54/6c5ae1fd420bab100bb00e35da98/fp-favicon.png" />

    

</a>
            </div>
            
<ul class="list header-nav-list header-nav-list--primary">
	
		<li class="search-form"><form class="search-form" action="//www.financial-planning.com/search">
    
        <div class="form-input form-input-submit">
    
    
        
            <input  type="submit" value />
        
    

    
</div>
    
        <div class="form-input form-input-text">
    
        
            <label for="query">
                Name
            </label>
        
    
    
        
            <input  autocomplete="off" id="query" name="query" required="true" type="text" placeholder="Search" />
        
    

    
        
    
</div>
    
</form></li>
	
		<li><a  href="http://promo.sourcemedia.com/financial-planning/techsurvey/" data-cms-ai="0">Tech Survey</a></li>
	
		<li><a  href="/financial-practice-management" data-cms-ai="0">Practice</a></li>
	
		<li><a  href="/financial-portfolio-management" data-cms-ai="0">Portfolio</a></li>
	
		<li><a  href="/financial-industry" data-cms-ai="0">Industry</a></li>
	
		<li><a  href="/financial-planning-and-analysis" data-cms-ai="0">Voices</a></li>
	
		<li><a  href="//www.financial-planning.com/resources" data-cms-ai="0">Resources</a></li>
	
		<li><a  href="//www.financial-planning.com/events" data-cms-ai="0">Events</a></li>
	
</ul>

        </div>
    
                    <div class="ReadingList-transition-wrapper">
                        <div class="ReadingList-info">
                            
        <div class="ReadingList-title">
            <span>Now Reading:</span>
                The Latest

        </div>
        <div class="ReadingList-counter-wrapper">
            <!--counter injected here via JS-->
        </div>
    
                            
                        </div>
                        
        <ol class="ReadingList-items" data-bsp-carousel data-bsp-carousel-options='
            {"themeConfig":{
                "adaptiveHeight": false,
                "speed": 200,
                "infinite": false,
                "slidesToScroll": 1,
                "variableWidth": true,
                "slide": ".ReadingList-items-item",
                "responsive": [
                {
                    "breakpoint": 1950,
                        "settings": {
                            "slidesToShow": 4
                        }
                },
                {
                    "breakpoint": 1570,
                        "settings": {
                            "slidesToShow": 3
                        }
                    },
                    {
                    "breakpoint": 1024,
                        "settings": {
                            "slidesToShow": 2
                        }
                    }
                ]
                }
            }'>
            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/aiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies?_viewType=ajax&amp;_adIdx=1" data-item-title="Aiding clients after disaster: From insurance advice to retirement fund strategies | Financial Planning" href="//www.financial-planning.com/news/aiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-cms-ai="0">Aiding clients after disaster: From insurance advice to retirement fund strategies
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/adp-financial-engines-personal-capital-extend-reach?_viewType=ajax&amp;_adIdx=2" data-item-title="Chasing assets, online platforms dive deeper into retirement plans, SRI | Financial Planning" href="//www.financial-planning.com/news/adp-financial-engines-personal-capital-extend-reach" data-boxad-path="/16059533/FinancialPlanning/Article" data-boxad-kw="[&quot;admin-and-reference&quot;,&quot;iag&quot;,&quot;reinvent-wealth&quot;,&quot;technology&quot;,&quot;hardware-and-software&quot;,&quot;fintech&quot;,&quot;investment-technology&quot;,&quot;robo-advisors&quot;,&quot;investments&quot;,&quot;investment-accounts&quot;,&quot;dc-plans&quot;,&quot;401-k&quot;,&quot;financial-planning&quot;,&quot;retirement-planning&quot;,&quot;hr-technology&quot;,&quot;investment-insights&quot;,&quot;investment-strategies&quot;,&quot;esg&quot;,&quot;adp&quot;]" data-boxad-person data-boxad-org="[&quot;adp&quot;]" data-boxad-event data-boxad-loc data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox3" data-boxad-story-id="00000161-901b-d729-a5ed-f2bf57e10000" data-cms-ai="0">Chasing assets, online platforms dive deeper into retirement plans, SRI
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/higher-mortgage-rates-could-change-the-pace-of-home-buying?_viewType=ajax&amp;_adIdx=3" data-item-title="Higher mortgage rates could change the pace of home buying | Financial Planning" href="//www.financial-planning.com/news/higher-mortgage-rates-could-change-the-pace-of-home-buying" data-boxad-path="/16059533/FinancialPlanning/Article" data-boxad-kw="[&quot;mortgages&quot;,&quot;mortgage-rates&quot;,&quot;purchase&quot;,&quot;housing-market&quot;,&quot;home-prices&quot;,&quot;economy&quot;,&quot;industries&quot;,&quot;real-estate&quot;,&quot;tax&quot;,&quot;tax-strategies&quot;,&quot;tax-planning&quot;,&quot;redfin&quot;,&quot;washington&quot;,&quot;colorado&quot;,&quot;oregon&quot;]" data-boxad-person data-boxad-org="[&quot;redfin&quot;]" data-boxad-event data-boxad-loc="[&quot;washington&quot;,&quot;colorado&quot;,&quot;oregon&quot;]" data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox4" data-boxad-story-id="00000161-8fe8-d6cf-a57f-efee14df0000" data-cms-ai="0">Higher mortgage rates could change the pace of home buying
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/high-yield-and-emerging-market-bond-funds-how-advisors-weigh-the-tradeoffs?_viewType=ajax&amp;_adIdx=4" data-item-title="Are high-yield and emerging-markets bond funds worth the risk? | Financial Planning" href="//www.financial-planning.com/news/high-yield-and-emerging-market-bond-funds-how-advisors-weigh-the-tradeoffs" data-boxad-path="/16059533/FinancialPlanning/Article" data-boxad-kw="[&quot;investments&quot;,&quot;investment-products&quot;,&quot;fixed-income&quot;,&quot;bonds&quot;,&quot;munis&quot;,&quot;financial-planning&quot;,&quot;portfolio-management&quot;,&quot;tax&quot;,&quot;tax-strategies&quot;,&quot;tax-planning&quot;,&quot;retirement-planning&quot;,&quot;finance&quot;,&quot;interest-rates&quot;,&quot;practice-management&quot;,&quot;client-strategies&quot;,&quot;morningstar&quot;]" data-boxad-person data-boxad-org="[&quot;morningstar&quot;]" data-boxad-event data-boxad-loc data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox5" data-boxad-story-id="00000161-6cb3-d824-a163-6ebb0e980000" data-cms-ai="0">Are high-yield and emerging-markets bond funds worth the risk?
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
                
    
    
    
        

            <li class="ReadingList-items-item " >
                <a class="ReadingList-link" data-sm-reading-list-item-url="//www.financial-planning.com/news/robo-vs-real-advisor-which-is-better?_viewType=ajax&amp;_adIdx=5" data-item-title="Stock market volatility and retirement, who you gonna call? Robo or human advisor? | Financial Planning" href="//www.financial-planning.com/news/robo-vs-real-advisor-which-is-better" data-boxad-path="/16059533/FinancialPlanning/Article" data-boxad-kw="[&quot;admin-and-reference&quot;,&quot;iag&quot;,&quot;retirement-scan&quot;,&quot;financial-planning&quot;,&quot;retirement-planning&quot;,&quot;retirement-income&quot;,&quot;retirement-withdrawals&quot;,&quot;technology&quot;,&quot;hardware-and-software&quot;,&quot;investment-technology&quot;,&quot;robo-advisors&quot;,&quot;investments&quot;,&quot;investment-accounts&quot;,&quot;dc-plans&quot;,&quot;401-k&quot;,&quot;rmds&quot;]" data-boxad-person data-boxad-org data-boxad-event data-boxad-loc data-boxad-program data-boxad-size="[[300,250],[300,600]]" data-boxad-pos="bigbox6" data-boxad-story-id="00000161-8c1e-dfd9-a57d-9fff7b850000" data-cms-ai="0">Stock market volatility and retirement, who you gonna call? Robo or human advisor?
</a>
                
                <!--progress bar-->
                <div class="ReadingList-progress-bar-wrapper">
                    <div class="ReadingList-progress-bar"></div>
                </div>
            </li>

        
    



            
            
        </ol>
    
                    </div>
                </div>
            
        </div>
    

            

            <div class="site-header-overlay site-header-overlay--search" data-toggle-state
            "off">
            search goes here
        </div>
    </div>
</div>




    <div  class="article-page">
	
        
<div class="wrapper skin-light-background"  data-content-type="article">

<div class="bsp-container" data-sm-ad-alignment>

	

	<div class="bsp-row sm-flexbox">

		<div class="bsp-column-flex sm-column-flex">
			
				<article class="bsp-container" data-sm-article>
    

	
		<header>
	
		<div class="bsp-page-title-wrapper">

	<h1 class="bsp-page-title title-medium">
		
		Aiding clients after disaster: From insurance advice to retirement fund strategies
        
	</h1>
</div>

	
</header>
	

    

    

	<div class="bsp-row">
                
		<div class="article-first">
			
    
		<div class="bsp-tags">
    <div class="bsp-tag-list-title">By</div>
    <ul class="bsp-tag-list">
        
            <li><a class="bsp-tag" href="/author/dave-grant-iag671" data-cms-ai="0">Dave Grant</a></li>
        
    </ul>
</div>

	
		<div class="bsp-tags">
    <div class="bsp-tag-list-title">Published</div>
    <ul class="bsp-tag-list">
        
            <li>August 30 2017, 12:28pm EDT</li>
        
    </ul>
</div>

	
		<div class="bsp-tags">
    <div class="bsp-tag-list-title">More in</div>
    <ul class="bsp-tag-list">
        
            <li><a class="bsp-tag" href="/tag/disaster-planning" data-cms-ai="0">Disaster planning</a></li>
        
            <li><a class="bsp-tag" href="/tag/disaster-planning" data-cms-ai="0">Disaster planning</a></li>
        
            <li><a class="bsp-tag" href="/tag/crisis-management-and-disaster-planning" data-cms-ai="0">Crisis management</a></li>
        
            <li><a class="bsp-tag" href="/insurance" data-cms-ai="0">Insurance</a></li>
        
            <li><a class="bsp-tag" href="/tax-planning" data-cms-ai="0">Tax planning</a></li>
        
            <li><a class="bsp-tag" href="/tag/client-strategies" data-cms-ai="0">Client strategies</a></li>
        
            <li><a class="bsp-tag" href="/tag/client-communications" data-cms-ai="0">Client communications</a></li>
        
            <li><a class="bsp-tag" href="/retirement-planning" data-cms-ai="0">Retirement planning</a></li>
        
            <li><a class="bsp-tag" href="/tag/philanthropy" data-cms-ai="0">Philanthropy</a></li>
        
            <li><a class="bsp-tag" href="/401-k" data-cms-ai="0">401(k)</a></li>
        
    </ul>
</div>

	

		</div>
                
		<div class="article-body" data-sm-responsive-tables>
			
				<div class="action-bar action-bar-size--large " data-sm-social-share-bar>  <!-- We need a variable here that tells us if it's an article or something else (eg infographic etc -->
    <a class="action newwindow" href="https://www.facebook.com/dialog/feed?app_id&#x3D;948048028649511&amp;link&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;caption&#x3D;&amp;description&#x3D;Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients.&amp;redirect_uri&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;picture&#x3D;https://assets.sourcemedia.com/dims4/default/dc6dd56/2147483647/crop/4000x2100%2B0%2B0/resize/1200x630%3E/quality/90/?url&#x3D;https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg" data-shareheight="400" data-sharewidth="1000" data-service="facebook" target="_blank" data-sm-action-facebook_f>
        <i class="icon icon-facebook_f"></i>
    </a>
    <a class="action newwindow" href="https://www.linkedin.com/shareArticle?summary&#x3D;Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients.&amp;ro&#x3D;false&amp;title&#x3D;Aiding clients after disaster: From insurance advice to retirement fund strategies&amp;mini&#x3D;true&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-shareheight="600" data-sharewidth="1000" data-service="linkedin"target="_blank"  data-sm-action-linkedin>
        <i class="icon icon-linkedin"></i>
    </a>
    <a class="action newwindow" href="https://twitter.com/intent/tweet?original_referer&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;text&#x3D;Aiding clients after disaster: From insurance advice to retirement fund strategies&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-shareheight="300" data-sharewidth="1000" data-service="twitter"target="_blank" data-sm-action-twitter>
        <i class="icon icon-twitter"></i>
    </a>
    <a class="action" href="mailto:?subject&#x3D;Aiding%20clients%20after%20disaster%3A%20From%20insurance%20advice%20to%20retirement%20fund%20strategies%20%7C%20Financial%20Planning&amp;body&#x3D;Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients.%0A%0Ahttps%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-sm-action-email>
        <i class="icon icon-email"></i>
    </a>
    <a class="action moreshare" href="javascript:;">
        <i class="icon icon-moreshare"></i>
    </a>
    <div class="sharedrop">
        <a class="action newwindow" href="https://plus.google.com/share?url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-shareheight="400" data-sharewidth="1000" data-service="google"target="_blank" data-sm-action-google-plus>
            <i class="icon icon-google-plus"></i>
        </a>
        <a class="action newwindow"  href="https://www.tumblr.com/share?v&#x3D;3&amp;u&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;t&#x3D;Aiding clients after disaster: From insurance advice to retirement fund strategies" data-shareheight="400" data-sharewidth="1000" data-service="tumblr"target="_blank" >
            <i class="icon icon-tumblr"></i>
        </a>
    </div>

    <div class="action-bar-right">
        
        <a target="_blank" href="#" class="action sm-action-print-item" data-sm-action-print>
            <i class="icon icon-print"></i>
            <span class="label">print</span>
        </a>
        
        
        <a target="_blank" href="http://www.sourcemediareprints.com/" class="action" data-sm-action-reprint="">
            <i class="icon icon-reprint"></i>
            <span class="label">reprint</span>
        </a>
        
        
    </div>
</div>
			
				<p>Mother Nature sometimes has a cruel way of reminding us how much power she has. Even as parts of New Orleans are still recovering from the effects of Hurricane Katrina in 2005, Hurricane Harvey is devastating large parts of Texas. Once the floods subside, residents will be trying to piece their lives back together.</p><p>How can you as a financial advisor assist clients who are suffering? And what can you do to prepare for an event closer to home? <br /></p>

			
				
<div class="mod-enhancement e-full-width">
	<figure class="image">
	

	 
<img  src="https://assets.sourcemedia.com/dims4/default/9f81668/2147483647/resize/680x%3E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg" alt />

    

 

	
	<figcaption>
		<h5>
</h5>

<span class="credit">Bloomberg News</span>
	</figcaption>
	
</figure>
</div>

			
				<p><b>GRASPING THE IMPACT</b><br />Extensive damage caused by severe weather, or losing a home completely, is devastating on many levels. Assuming no one has lost their life, the financial implications of losing one’s largest asset are coupled with the emotional toll of losing many day-to-day and prized possessions.</p><p>Clients will most likely be in shock for days. They may go through stages of grief if they have lost their home and possessions, exacerbated by the lack of a timeline of how long recovery will take. They’ll need expert guidance from many professionals, and you, their financial advisor, are one of them.<br /></p>

			
				
<div class="mod-enhancement e-full-width">
	<blockquote class="bsp-component sm-blockquote">
	<span class="eyebrow">Quote</span>
	<div class="content">
	Don’t assume — no matter how strong the relationship — that you know what clients will need. Ask them about their situation and listen actively.
	</div>


	
	
</blockquote>
</div>

			
				<p>One role you have is to listen carefully. Don’t jump into a fix-it mode. Don’t assume — no matter how strong the relationship — that you know what clients will need. Ask them about their situation and listen actively. The conversations will change in topic and emotion from the initial days to the ensuing months as the clients work through the rebuilding process, so be prepared for this to be an ongoing discussion. </p><p><b>USE YOUR NETWORK</b><br />If you happen to know of disaster recovery specialists, now is the time to bring them into your clients’ lives. If you don’t, start networking to build such relationships. </p><p>I have a personal relationship with a local team at ServiceMaster Kwik Restore, which is a disaster recovery company. They help clients with everything from minor flooding, the removal of sections of a house because of water and mold damage, and even fire and suicide cleanup. Because of this personal relationship, I can call them to quickly serve clients when there is a need. This takes work off the clients’ plate, and they know they’re using a reputable company that has my backing. </p><p>These companies are inundated with service calls during extreme weather. It can take weeks for them to process all of their requests. By leveraging personal relationships, you may help your clients receive faster service than they would have otherwise. While services like these are often paid for by insurance, scheduling appointments and getting bids to do the work sometimes take the most time. </p><p>“In mass flooding situations, knowing that a customer has a team of relevant professionals to assist them means we know their coverage situation and can expedite the process,” said Katie Kallas, office manager at the ServiceMaster Kwik Restore that I use in Cary, Illinois.<br /></p>

			
				
<div class="mod-enhancement e-full-width">
	<blockquote class="bsp-component sm-blockquote">
	<span class="eyebrow">Quote</span>
	<div class="content">
	If you happen to know of disaster recovery specialists, now is the time to bring them into your clients’ lives. If you don’t, start networking to build such relationships. 
	</div>


	
	
</blockquote>
</div>

			
				<p>If you have done insurance reviews with clients, your role becomes invaluable. You should be able to pull up their insurance documents, find their benefit amounts, the contact details for agents, and the claim numbers to start the process as quickly as possible. You can also provide them with documentation showing how much coverage they have, so they are informed when having conversations with insurance agents. </p><p>If you personally know the agents that your clients are using, now is the time to leverage those relationships.</p><p><b>STAY IN CONTACT</b><br />When times are tough for clients, you earn your money as an advisor. While checking in during the initial days is expected, you need to show that you’re with them throughout the journey. </p><p>It is important to make notes on your calendar to check in every few days to ensure clients are dealing with their loss and have support. While we’re not qualified to be psychological counselors, showing that clients are on your mind will remind them of your relationship. If these conversations are difficult for them, you can suggest that they may seek professional counseling. </p><p><b>THE NEW REALITY</b><br />In the case of a complete home destruction, it can take nine to 12 months, once rebuilding work actually starts. </p><p>“This process is not short; even if a house is able to be restored, drying and correctly repairing several feet deep of water damage can displace the homeowner for months,” says Kallas, who had firsthand experience during recent flooding in Illinois. Her team also responded to floods in Houston in 2015 and was still helping customers process insurance claims the next winter.</p><p>This can be complicated by not having the money to rebuild the exact home if insurance coverage is outdated or incomplete. Some insurance policies still include actual cash value as a payout if a home is destroyed. If this number hasn’t been updated in many years, clients may find themselves with as little as 50% of the cost to rebuild their house. You should be heavily involved in this part of the process with your clients, making sure during reviews that they have replacement cost coverage. <br /></p>

			
				
<div class="mod-enhancement e-full-width">
	<blockquote class="bsp-component sm-blockquote">
	<span class="eyebrow">Quote</span>
	<div class="content">
	When times are tough for clients, you earn your money as an advisor. Checking in with clients in the initial days is expected, but you need to show that you’re with them throughout the journey.
	</div>


	
	
</blockquote>
</div>

			
				<p>If they want to rebuild but insurance won’t cover the full cost, you will be instrumental in identifying various portfolio withdrawal strategies to fund the gap. For example, they could take money from taxable accounts, apply for a construction loan or start withdrawing money from their retirement accounts. </p><p>As for tapping into retirement accounts, take them through the steps of accessing the money and the subsequent consequences. This may involve going through 72(t) early distribution discussions for IRAs, or detailing the tax consequences if money is taken from various Roth and traditional accounts. Even taking a 401(k) loan can be helpful in getting a home rebuilt.</p><p>For some clients, the desire to rebuild may come into conflict with the emotional need to get back to normal, and the financial issues may become cloudy. It may help to take them through the discussion of “If I were to rebuild this home back to its pre-devastation specifications but this derailed other financial goals, would it be worth it?”</p><p><b>REASSESS GOALS</b><br />Living through a traumatic situation can be a defining moment. It may change how clients feel about where they live, their priorities, how they view their home and what the rest of their life should look like.</p><p>Sitting with clients to review how things look going forward from this point is important. Rather than assume every person will rebuild and continue life in the same location, explore if this devastation should prompt long-term changes. It may accelerate a relocation or it may encourage clients to build a home better suited to their actual needs. Encouraging them to see the possibilities may lead to a positive change.</p><p>While a change in location — either to accelerate a financial goal or to move away from danger — can be daunting, other clients may experience a more existential transformation. <br /></p>

			
				
<div class="mod-enhancement e-full-width">
	<div class="bsp-component sm-blockquote sm-related">
	
	
	<div class="content">
	
<ul class="list">
	
		<li><a  href="//www.financial-planning.com/opinion/hurricane-harvey-twist-advisor-flees-storm-clients-offer-aid">Hurricane Harvey twist: Advisor flees storm, clients offer aid</a></li>
	
		<li><a  href="//www.financial-planning.com/opinion/hurricane-harvey-advice-on-tax-planning-rebuilding-costs">Hurricane Harvey: Advice on tax planning, rebuilding costs</a></li>
	
		<li><a  href="//www.financial-planning.com/news/hurricane-harvey-helping-clients-after-the-clouds-clear">Hurricane Harvey: Helping clients after the clouds clear </a></li>
	
</ul>

	</div>
	

	
	
</div>

</div>

			
				<p>Clients may start reflecting on what they value. They discover that things they had placed meaning on no longer hold that effect. While they saw their home as an object to improve and perfect, they may now want to devote more of their money and energy to helping those less fortunate. After escaping death, they may want to change their financial plan to something that has a renewed meaning for them. It’s your job to take them on that journey.</p><p><b>BOOTS ON THE GROUND</b><br />As advisors, we have a special skill set. But, as humans first, we have the ability to help those in their time of need. </p><p>It’s easy to provide advice over the phone and through emails, but showing up in person can be a true commitment to the well-being of a family. Make the time to visit their house and assist them in restoring their life — move furniture, bring clothes, provide food — but, most important, bring a smile and hug. <br /></p>

			
				<div class="action-bar action-bar-size--large second-bar" data-sm-social-share-bar>  <!-- We need a variable here that tells us if it's an article or something else (eg infographic etc -->
    <a class="action newwindow" href="https://www.facebook.com/dialog/feed?app_id&#x3D;948048028649511&amp;link&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;caption&#x3D;&amp;description&#x3D;Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients.&amp;redirect_uri&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;picture&#x3D;https://assets.sourcemedia.com/dims4/default/dc6dd56/2147483647/crop/4000x2100%2B0%2B0/resize/1200x630%3E/quality/90/?url&#x3D;https%3A%2F%2Fassets.sourcemedia.com%2F9a%2F8b%2F9f43beec4cd391d1917a83d8c123%2Fhurricaneharvey-hurts-homeowners-bloomberg.jpg" data-shareheight="400" data-sharewidth="1000" data-service="facebook" target="_blank" data-sm-action-facebook_f data-cms-ai="0">
        <i class="icon icon-facebook_f"></i>
    </a>
    <a class="action newwindow" href="https://www.linkedin.com/shareArticle?summary&#x3D;Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients.&amp;ro&#x3D;false&amp;title&#x3D;Aiding clients after disaster: From insurance advice to retirement fund strategies&amp;mini&#x3D;true&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-shareheight="600" data-sharewidth="1000" data-service="linkedin"target="_blank"  data-sm-action-linkedin data-cms-ai="0">
        <i class="icon icon-linkedin"></i>
    </a>
    <a class="action newwindow" href="https://twitter.com/intent/tweet?original_referer&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;text&#x3D;Aiding clients after disaster: From insurance advice to retirement fund strategies&amp;url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-shareheight="300" data-sharewidth="1000" data-service="twitter"target="_blank" data-sm-action-twitter data-cms-ai="0">
        <i class="icon icon-twitter"></i>
    </a>
    <a class="action" href="mailto:?subject&#x3D;Aiding%20clients%20after%20disaster%3A%20From%20insurance%20advice%20to%20retirement%20fund%20strategies%20%7C%20Financial%20Planning&amp;body&#x3D;Hurricane Harvey provides a grim reminder of how traumatic it can be to face the effects of severe weather. Here’s how to be effective if it happens to your clients.%0A%0Ahttps%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-sm-action-email data-cms-ai="0">
        <i class="icon icon-email"></i>
    </a>
    <a class="action moreshare" href="javascript:;" data-cms-ai="0">
        <i class="icon icon-moreshare"></i>
    </a>
    <div class="sharedrop">
        <a class="action newwindow" href="https://plus.google.com/share?url&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies" data-shareheight="400" data-sharewidth="1000" data-service="google"target="_blank" data-sm-action-google-plus data-cms-ai="0">
            <i class="icon icon-google-plus"></i>
        </a>
        <a class="action newwindow"  href="https://www.tumblr.com/share?v&#x3D;3&amp;u&#x3D;https%3A%2F%2Fwww.financial-planning.com%2Fnews%2Faiding-clients-after-disaster-from-insurance-advice-to-retirement-fund-strategies&amp;t&#x3D;Aiding clients after disaster: From insurance advice to retirement fund strategies" data-shareheight="400" data-sharewidth="1000" data-service="tumblr"target="_blank" data-cms-ai="0" >
            <i class="icon icon-tumblr"></i>
        </a>
    </div>

    <div class="action-bar-right">
        
        <a target="_blank" href="#" class="action sm-action-print-item" data-sm-action-print data-cms-ai="0">
            <i class="icon icon-print"></i>
            <span class="label">print</span>
        </a>
        
        
        <a target="_blank" href="http://www.sourcemediareprints.com/" class="action" data-sm-action-reprint="" data-cms-ai="0">
            <i class="icon icon-reprint"></i>
            <span class="label">reprint</span>
        </a>
        
        
    </div>
</div>
			
				<div class="author-module module">
	<div class="author-bio">
		
			<a  title="Dave Grant" class="author-image" href="/author/dave-grant-iag671" data-cms-ai="0">
<img  src="https://assets.sourcemedia.com/dims4/default/ac15ca0/2147483647/crop/1200x1200%2B0%2B37/resize/70x70%5E/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F1d%2F5b%2Fc231ef3c4240b4d58ff5c49ac22a%2Fdave-grant.jpg" alt="Dave Grant" class="grayscale" />

    

</a>
		
		<div class="bio">
			
				<h4><a  href="/author/dave-grant-iag671" data-cms-ai="0">Dave Grant</a></h4>
			

            
                <div>
                    Dave Grant, a <i>Financial Planning</i> columnist, is founder of Retirement Matters, a planning firm, in Cary, Illinois. He is also the founder of NAPFA Genesis, a networking group for young fee-only planners. <br/>

                </div>
            

            
                <div class="author-social">
                    
                        
<ul class="list social-links">
	
		<li><a class="icon icon-twitter" href="https://twitter.com/davegrant82" target="_blank" data-cms-ai="0"></a></li>
	
</ul>

                    
                </div>
            
        </div>
    </div>
    
        <div class="author-more">
            
                <h6>More from this Author</h6>

            
                
<ul class="list">
	
		<li><a  href="//www.financial-planning.com/news/tax-bill-changes-to-529-education-heloc-ira-alimony" data-cms-ai="0">How the tax law will impact education savers, IRAs and more </a></li>
	
		<li><a  href="//www.financial-planning.com/news/bouncing-back-after-losing-a-major-client" data-cms-ai="0">Bouncing back after losing a major client</a></li>
	
		<li><a  href="//www.financial-planning.com/news/choose-a-niche-or-be-a-generalist" data-cms-ai="0">Choose a niche or be a generalist?</a></li>
	
</ul>

            
        </div>
    
	
</div>

			
                        
                        
		</div>

	</div>
</article>

			
				<div class="comments component" data-bsp-commenting>
    
    <h5 class="component-title">Comments<span class="comments-count">(1)</span></h5>
    

    <div class="commenting-content">

        
        <div class="comments-sign-in">
            <div class="comments-sign-in-text"><div class="component-group">
	
		<a  href="#" title="Login" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/login?_viewType=module" data-cms-ai="0">Login</a>
	
		 or 
	
		<a  href="https://www.financial-planning.com/mmesubscribe" title="Subscribe" data-cms-ai="0">Subscribe</a>
	
</div>
</div>
            <ul class="comments-sign-in-choices">
                
            </ul>
        </div>
        

        <div class="comment-as-text"></div>
        

        
        <div class="comments-list-wrapper">

            <ul class="comments-list">
                
    <li class="comment"  data-cid>
    
    <div class="comment-body">
        <div class="comment-authored">
            <div class="comment-author">Posted By <strong>G. Ward</strong>
</div>
            <div class="comment-date">Wednesday, August 30 2017 at 10:02 PM</div>
        </div>
        <div class="comment-text">It is good to see advisors offering advise. Harvey is going to be one of the largest storm damages the nation has faced in decades. According to FEMA the damages will be greater than Sandy. During Super Storm Sandy there were 250,000 of Individual Assistance grants processed by FEMA. As of today the estimates are for 850,000 of Individual Assistance grants. The number of homes affected is greater 50,000 across Texas, and Louisiana.  

Gary Ward, CPF and President TNVOAD</div>
        <div class="comment-action">
            
            
            
        </div>
        <div class="comment-arrow"></div>
    </div>

    
</li>


            </ul>
        </div>
        

        
    </div>
</div>

			
				<div class="sm-dianomi">
    <iframe width="725" height="350" scrolling="NO" src="//www.dianomi.com/smartads.epl?id&#x3D;3128"   style="width: 100%;border: none; overflow: hidden;"></iframe>
</div>

			
		</div>

		<div class="bsp-column-fixed-width sm-right-rail" data-sm-google-ad>
			
				<!--sm-display-ad.hbs-->
<div id="gpt-ad-bigbox1"  data-sm-google-ad-options='{
        "id":"",
        "position":"bigbox1",
        "sizes":"",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":
    
    }'>
</div>

			
				<!--sm-display-ad.hbs-->
<div id="gpt-ad-bigbox2"  data-sm-google-ad-options='{
        "id":"",
        "position":"bigbox2",
        "sizes":"",
        "adUnitPath":"",
        "keywords":"",
        "person":"",
        "organization":"",
        "event":"",
        "location":"",
        "program":"",
        "contentId":"",
        "deferRendering":
    
    }'>
</div>

			
		</div>

	</div>
</div>

</div>
	
</div>



<div>
	
        <div class="site-footer skin-dark">
	<div class="bsp-container">

		
            <div class="module mod-newsletter skin-dark-background">
    <form class="mod-newsletter-form"
          data-sm-newsletter-signup-form
          action="/_newsletter-signup">
    	<div class="promo-text">
    		
    		  <h3 class="module-header">Get FP in your inbox</h3>
    		
            <div class="newsletter-name">
                <div class="form-select styled-select styled-select-dark">

    
    <i class="styled-select-dropdown"></i>
    

    
        <label 
 for="i478741e8d7904d5da8661fd878799a83">
        Newsletter/Frequency
    

    <select data-sm-styled-dropdown-list="true" id="i478741e8d7904d5da8661fd878799a83" name="newsletterTableName"  >
        
            <option value="Daybreak">Daybreak/Daily</option>
        
            <option value="Weekend">Weekend/Weekly</option>
        
            <option value="Retirement">Retirement/Bi-Weekly</option>
        
            <option value="High Net Worth">HNW/Bi-weekly</option>
        
            <option value="30 Days 30 Ways">30 Days 30 Ways/Daily</option>
        
            <option value="Alert">Alert</option>
        
            <option value="Practice Management">Practice/Bi-weekly</option>
        
            <option value="TechZone/Bi-weekly">TechZone/Bi-weekly</option>
        
            <option value="RIA IQ">RIA IQ/Weekly</option>
        
            <option value="First Look">First Look/Monthly</option>
        
            <option value="Re:Invent|Wealth">Re:Invent|Wealth/Weekly</option>
        
            <option value="Best of the Week/Weekly">Best of the Week/Weekly</option>
        
            <option value="Tax Tuesday">Tax Tuesday/Weekly</option>
        
            <option value="Portfolio">Portfolio/Weekly</option>
        
            <option value="Trending">Trending/Daily</option>
        
            <option value="Regulatory">Regulatory/Bi-weekly</option>
        
            <option value="What You Missed">What You Missed/Monthly</option>
        
            <option value="MME Daily Briefing">Money Management Executive Daily Briefing</option>
        
            <option value="Special Report">Special Report</option>
        
    </select>

    
         
        </label>
    

</div>

            </div>
    	</div>
    	<div class="frm-newsletter">
    		<input type="email" name="email" placeholder="Email Address" />
    		<button >Subscribe</button>
            <a  href="#" title="Register" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/registration-subscription?step=ac&amp;branch=true" data-cms-ai="0">Register</a>
    	</div>
        <input type="hidden" name="moduleId" value="00000153-9fc3-d098-a37b-dfeb720c0000" />
    </form>
</div>

		

		<div class="bsp-row">

			<div class="bsp-column-fourth first-col">
				
                    <div class="module mod-promo">
	
	<h3>Like what you see? Make sure you&#x27;re getting it all</h3>
	

	<div class="mod-promo-body">
		Get news and analysis for independent advisors. 

	</div>

	<a  role="button" href="#" title="Register" data-sm-subscription-modal data-sm-subscription-modal-url="https://www.financial-planning.com/auth/registration-subscription?step=ac&amp;branch=true" data-cms-ai="0">Register</a>

</div>
				
			</div>

			<div class="bsp-column-fourth second-col">
				
                    <div class="mod-mag-promo">
    
        <a  href="https://www.financial-planning.com/magazine/financial-planning-february-2018" data-cms-ai="0">
<img  src="https://assets.sourcemedia.com/dims4/default/43fa8e4/2147483647/resize/x282/quality/90/?url=https%3A%2F%2Fassets.sourcemedia.com%2F2a%2F0c%2F375870ff4f498f821c7a32fcd055%2Fcv1-fp0218-versionb.jpg" alt="Financial Planning - February 2018" />

    

</a>
    
</div>

				
			</div>

			<div class="bsp-column-half thrid-col footer-links">
				
                    <h3 class="module-header ">Financial Planning</h3>
				
                    
<ul class="list social-links">
	
		<li><a class="icon icon-facebook" href="https://www.facebook.com/FinancialPlanningMagazine" target="_blank" data-cms-ai="0"></a></li>
	
		<li><a class="icon icon-twitter" href="https://twitter.com/finplan" target="_blank" data-cms-ai="0"></a></li>
	
		<li><a class="icon icon-linkedin" href="https://www.linkedin.com/groups/4033830/profile" target="_blank" data-cms-ai="0"></a></li>
	
		<li><a class="icon icon-google" href="https://plus.google.com/+Financialplanning1/posts" target="_blank" data-cms-ai="0"></a></li>
	
</ul>

				
                    
<ul class="list">
	
		<li><a  href="//www.financial-planning.com/about-us" data-cms-ai="0">About Us</a></li>
	
		<li><a  href="//www.financial-planning.com/contact-us" data-cms-ai="0">Contact Us</a></li>
	
		<li><a  href="//www.financial-planning.com/magazine/" target="_self" data-cms-ai="0">The Magazine</a></li>
	
		<li><a  href="/ce-quiz" data-cms-ai="0">CE Quiz</a></li>
	
		<li><a  href="//www.financial-planning.com/site-map" data-cms-ai="0">Site Map</a></li>
	
		<li><a  href="http://www.financial-planning.com/feed?rss=true" target="_blank" data-cms-ai="0">RSS Feed</a></li>
	
		<li><a  href="http://www.sourcemedia.com/about/privacypolicy.html" target="_blank" data-cms-ai="0">Privacy Policy</a></li>
	
		<li><a  href="https://www.sourcemedia.com/news/sourcemedia-subscription-agreement" target="_blank" data-cms-ai="0">Subscription Agreement</a></li>
	
		<li><a  href="http://www.sourcemediareprints.com/" target="_blank" data-cms-ai="0">Content Licensing/Reprints</a></li>
	
		<li><a  href="http://www.sourcemedia.com/media-kits/financial-planning" target="_blank" data-cms-ai="0">Advertising/Marketing Services</a></li>
	
</ul>

				
                    <div class="copyright">
	<svg viewBox="0 0 773.616 142">
		<path fill="#F9F9F9" d="M188.906,112.069c-9.646,0-19.446-3.682-27.38-11.822l8.09-9.957
			c5.497,6.638,12.911,9.957,19.342,9.957c8.296,0,12.549-3.63,12.549-9.231c0-6.535-5.03-8.661-14.571-12.031
			c-11.41-4.045-22.766-9.179-22.766-22.92c0-11.875,10.786-21.054,23.802-21.106c8.921-0.052,17.373,3.267,24.996,9.284
			l-7.623,10.06c-6.171-5.134-12.186-7.727-17.372-7.727c-5.808,0-10.423,3.215-10.526,8.816c-0.104,5.496,4.979,7.415,14.105,10.941
			c12.914,5.032,23.336,8.61,23.336,23.183C214.888,105.071,200.938,112.07,188.906,112.069L188.906,112.069z"/>
		<path fill="#F9F9F9" d="M249.151,112.071c-16.386,0-27.224-11.46-27.224-26.653
			c0-15.298,10.838-26.758,27.224-26.758c15.869,0,27.174,10.89,27.174,26.758C276.325,101.182,265.02,112.07,249.151,112.071
			L249.151,112.071z M249.152,101.285c8.401,0,15.091-6.532,15.091-15.867c0-9.489-6.587-15.971-15.091-15.971
			c-9.075,0-15.143,6.948-15.143,15.971C234.009,94.285,240.232,101.284,249.152,101.285L249.152,101.285z"/>
		<path fill="#F9F9F9" d="M330.826,59.437v51.805h-11.875V104.5h-0.155
			c-4.149,4.979-9.905,7.57-15.972,7.57c-11.409,0-19.343-5.703-19.343-21.104v-31.53h11.875V87.75
			c0,10.372,3.111,13.483,10.268,13.483c6.949,0,13.328-5.808,13.328-17.009V59.437H330.826z"/>
		<path fill="#F9F9F9" d="M370.57,58.658c0.519,0,1.037,0,1.452,0.052v13.223
			c-1.348-0.103-2.749-0.155-3.578-0.155c-9.023,0-14.157,6.482-14.157,14.883v24.58h-11.875V59.437h11.875v7.778h0.155
			C358.487,61.719,364.243,58.659,370.57,58.658L370.57,58.658z"/>
		<path fill="#F9F9F9" d="M402.657,112.07c-15.246,0-26.395-10.786-26.395-26.653
			c0-15.868,11.097-26.758,26.81-26.758c8.09,0,16.594,3.267,21.78,9.646l-8.09,7.001c-2.957-3.475-7.416-5.861-13.069-5.861
			c-9.179,0-15.349,6.431-15.349,15.869c0,9.542,6.274,15.971,15.401,15.971c5.757,0,10.37-2.54,13.119-5.6l8.194,7.26
			C420.599,108.026,412.665,112.07,402.657,112.07L402.657,112.07z"/>
		<path fill="#F9F9F9" d="M478.887,84.743c0,1.815-0.156,3.786-0.312,4.719h-37.752
			c1.557,7.363,7.155,11.823,14.779,11.823c6.015,0,10.267-2.8,12.912-6.119l8.297,7.105c-4.408,5.65-11.668,9.8-21.831,9.8
			c-15.091,0-26.5-10.578-26.5-26.758c0-15.868,10.838-26.655,25.255-26.655C469.035,58.658,478.887,69.652,478.887,84.743
			L478.887,84.743z M454.358,69.446c-6.481,0-11.615,3.682-13.327,10.423h25.931C465.456,73.595,461.152,69.445,454.358,69.446
			L454.358,69.446z"/>
		<polygon fill="#F9F9F9" points="569.346,35.79 569.346,111.241 556.538,111.241 556.538,60.681
			556.381,60.681 535.743,96.723 527.342,96.723 506.703,60.681 506.547,60.681 506.547,111.241 493.74,111.241 493.74,35.79
			506.6,35.79 531.492,80.957 531.7,80.957 556.487,35.79 	"/>
		<path fill="#F9F9F9" d="M628.334,84.743c0,1.815-0.156,3.786-0.312,4.719h-37.752
			c1.557,7.363,7.155,11.823,14.779,11.823c6.015,0,10.267-2.8,12.912-6.119l8.297,7.105c-4.408,5.65-11.668,9.8-21.831,9.8
			c-15.091,0-26.5-10.578-26.5-26.758c0-15.868,10.838-26.655,25.255-26.655C618.482,58.658,628.334,69.652,628.334,84.743
			L628.334,84.743z M603.805,69.446c-6.482,0-11.615,3.682-13.327,10.423h25.931C614.902,73.595,610.599,69.445,603.805,69.446
			L603.805,69.446z"/>
		<path fill="#F9F9F9" d="M687.84,33.042v78.199h-11.357v-6.947h-0.206
			c-3.785,4.979-9.49,7.777-16.854,7.777c-14.365,0-25.099-10.475-25.099-26.497c0-15.663,10.733-26.915,24.995-26.915
			c6.793,0,12.497,2.385,16.386,7.001h0.26V33.042H687.84z M676.431,85.624c0-9.178-6.171-16.179-15.09-16.179
			c-8.297,0-14.935,6.223-14.935,16.18c0,9.18,6.119,15.66,14.883,15.66C669.743,101.285,676.431,95.012,676.431,85.624"/>
		<path fill="#F9F9F9" d="M697.797,43.827c0-4.304,3.525-7.882,8.037-7.882
			c4.356,0,7.986,3.578,7.986,7.882c0,4.355-3.63,7.883-7.986,7.883C701.323,51.71,697.797,48.182,697.797,43.827 M699.819,59.436
			h11.875v51.805h-11.875V59.436z"/>
		<path fill="#F9F9F9" d="M773.616,59.437v51.805h-11.357v-6.948h-0.154
			c-3.787,4.978-9.335,7.777-16.491,7.777c-14.365,0-25.099-10.475-25.099-26.497c0-15.662,10.733-26.915,24.994-26.915
			c6.586,0,12.135,2.386,16.023,7.001h0.209v-6.224L773.616,59.437z M747.479,101.285c8.037,0,14.727-6.274,14.727-15.661
			c0-9.178-6.17-16.178-14.675-16.178c-8.297,0-14.935,6.223-14.935,16.179C732.596,94.804,738.715,101.285,747.479,101.285
			L747.479,101.285z"/>
		<path fill="#FFFFFF" d="M17.429,90.906c-5.847-0.38-11.493-0.819-16.932-1.306
			c0.419,5.623,1.026,11.1,1.811,16.43c5.352,0.901,10.918,1.692,16.653,2.389C18.304,102.743,17.784,96.907,17.429,90.906"/>
		<path fill="#FFFFFF" d="M85.607,92.178c-0.173,6.361-0.416,12.544-0.728,18.521
			c6.155-0.299,12.142-0.729,17.953-1.299c0.556-5.808,1.003-11.798,1.299-17.938C98.143,91.772,91.962,92.005,85.607,92.178"/>
		<path fill="#FFFFFF" d="M45.259,92.178c-6.364-0.173-12.555-0.405-18.542-0.716
			c0.31,6.141,0.752,12.131,1.311,17.938c5.813,0.57,11.797,1,17.949,1.299C45.667,104.722,45.417,98.539,45.259,92.178"/>
		<path fill="#FFFFFF" d="M18.961,35.588c-5.735,0.685-11.3,1.484-16.653,2.378
			c-0.785,5.341-1.391,10.811-1.811,16.438c5.439-0.485,11.085-0.916,16.932-1.309C17.784,47.099,18.304,41.267,18.961,35.588"/>
		<path fill="#FFFFFF" d="M65.433,23.441c3.181,0,6.331,0.057,9.427,0.136
			c-0.184-5.857-0.407-11.531-0.654-16.995c-2.89-0.115-5.822-0.172-8.773-0.172c-2.968,0-5.895,0.057-8.776,0.172
			c-0.249,5.464-0.473,11.138-0.668,16.995C59.097,23.498,62.247,23.441,65.433,23.441"/>
		<path fill="#FFFFFF" d="M101.851,25.533c-0.696-5.728-1.498-11.29-2.39-16.659
			c-5.338-0.777-10.816-1.392-16.434-1.809c0.495,5.449,0.925,11.105,1.308,16.943C90.33,24.355,96.177,24.872,101.851,25.533"/>
		<path fill="#FFFFFF" d="M46.524,24.008c0.383-5.839,0.813-11.494,1.305-16.943
			c-5.623,0.416-11.098,1.031-16.431,1.808c-0.886,5.369-1.694,10.931-2.39,16.66C34.688,24.872,40.521,24.354,46.524,24.008"/>
		<path fill="#FFFFFF" d="M65.433,51.557c3.404,0,6.764,0.025,10.084,0.063
			c-0.092-6.406-0.218-12.654-0.372-18.676c-3.194-0.091-6.436-0.134-9.712-0.134c-3.287,0-6.518,0.043-9.718,0.134
			c-0.16,6.022-0.288,12.27-0.372,18.676C58.661,51.582,62.022,51.557,65.433,51.557"/>
		<path fill="#FFFFFF" d="M44.982,72.004c0-3.407,0.02-6.772,0.067-10.083
			c-6.42,0.083-12.658,0.205-18.693,0.364c-0.075,3.201-0.117,6.44-0.117,9.718c0,3.287,0.042,6.51,0.117,9.721
			c6.035,0.147,12.273,0.285,18.693,0.363C45.002,78.768,44.982,75.407,44.982,72.004"/>
		<path fill="#FFFFFF" d="M75.615,61.821c-3.345-0.032-6.744-0.042-10.182-0.042
			c-3.449,0-6.848,0.01-10.193,0.042c-0.025,3.345-0.037,6.737-0.037,10.183c0,3.44,0.012,6.836,0.037,10.188
			c3.345,0.02,6.744,0.028,10.193,0.028c3.438,0,6.837-0.009,10.182-0.028c0.025-3.352,0.034-6.747,0.034-10.188
			C75.649,68.559,75.64,65.167,75.615,61.821"/>
		<path fill="#FFFFFF" d="M85.607,51.83c6.355,0.168,12.536,0.414,18.525,0.718
			c-0.296-6.152-0.743-12.134-1.299-17.941c-5.811-0.564-11.798-1.007-17.953-1.305C85.191,39.289,85.434,45.459,85.607,51.83"/>
		<path fill="#FFFFFF" d="M45.259,51.83c0.159-6.37,0.408-12.541,0.718-18.528
			c-6.152,0.298-12.136,0.741-17.949,1.305c-0.559,5.807-1.001,11.789-1.311,17.941C32.704,52.244,38.895,51.998,45.259,51.83"/>
		<path fill="#FFFFFF" d="M65.433,92.448c-3.41,0-6.772-0.024-10.09-0.069
			c0.084,6.423,0.212,12.649,0.372,18.682c3.2,0.095,6.431,0.137,9.718,0.137c3.276,0,6.518-0.042,9.712-0.137
			c0.154-6.032,0.28-12.259,0.372-18.682C72.197,92.424,68.836,92.448,65.433,92.448"/>
		<path fill="#FFFFFF" d="M85.873,72.004c0,3.403-0.025,6.764-0.067,10.084
			c6.417-0.078,12.655-0.216,18.69-0.363c0.075-3.211,0.123-6.434,0.123-9.721c0-3.278-0.048-6.518-0.123-9.718
			c-6.035-0.159-12.273-0.281-18.69-0.364C85.847,65.231,85.873,68.597,85.873,72.004"/>
		<path fill="#FFFFFF" d="M111.896,108.419c5.744-0.696,11.297-1.487,16.658-2.39
			c0.777-5.33,1.395-10.805,1.814-16.43c-5.445,0.487-11.093,0.927-16.946,1.307C113.073,96.907,112.562,102.742,111.896,108.419"/>
		<path fill="#FFFFFF" d="M113.987,72.004c0,3.186-0.048,6.333-0.143,9.44
			c5.878-0.201,11.547-0.419,17.016-0.665c0.101-2.89,0.168-5.812,0.168-8.775c0-2.958-0.067-5.89-0.168-8.776
			c-5.469-0.247-11.138-0.467-17.016-0.673C113.939,65.671,113.987,68.818,113.987,72.004"/>
		<path fill="#FFFFFF" d="M29.008,118.467c0.696,5.744,1.504,11.292,2.39,16.658
			c5.333,0.78,10.808,1.389,16.431,1.812c-0.492-5.439-0.922-11.085-1.305-16.933C40.521,119.646,34.688,119.126,29.008,118.467"/>
		<path fill="#FFFFFF" d="M65.433,120.563c-3.186,0-6.336-0.05-9.444-0.137
			c0.195,5.865,0.419,11.541,0.668,17.004c2.881,0.108,5.808,0.159,8.776,0.159c2.951,0,5.883-0.051,8.773-0.159
			c0.247-5.463,0.47-11.139,0.654-17.004C71.764,120.514,68.614,120.563,65.433,120.563"/>
		<path fill="#FFFFFF" d="M84.335,120.004c-0.383,5.848-0.813,11.493-1.308,16.933
			c5.618-0.422,11.096-1.032,16.434-1.812c0.892-5.366,1.694-10.915,2.39-16.657C96.177,119.126,90.33,119.646,84.335,120.004"/>
		<path fill="#FFFFFF" d="M16.87,72.004c0-3.186,0.036-6.333,0.137-9.449
			C11.138,62.761,5.466,62.98,0,63.228c-0.115,2.887-0.165,5.819-0.165,8.776c0,2.963,0.05,5.886,0.165,8.775
			c5.466,0.246,11.138,0.464,17.007,0.665C16.906,78.337,16.87,75.189,16.87,72.004"/>
		<path fill="#FFFFFF" d="M113.422,53.096c5.853,0.393,11.501,0.823,16.946,1.308
			c-0.419-5.626-1.037-11.096-1.814-16.437c-5.361-0.894-10.914-1.694-16.658-2.378C112.562,41.268,113.073,47.099,113.422,53.096"/>
	</svg>

	<small>© 2018 SourceMedia. All rights reserved.
</small>
</div>
				
			</div>
		</div>
	</div>
</div>

	
</div>


        
            <div class="floating-sheet "
    data-sm-floating-sheet
    data-sm-floating-sheet-options=''>
    <div class="floating-sheet-header">
        <div class="floating-sheet-title">
            
        </div>
        <div class="floating-sheet-button--close"></div>
    </div>

    <div class="floating-sheet-content">
        
    </div>
</div>

        

        
<!-- Quantcast Tag -->
<script type="text/javascript">
var _qevents = _qevents || [];
(function()
{ var elem = document.createElement('script'); elem.src = (document.location.protocol == "https:" ? "https://secure" : "http://edge") + ".quantserve.com/quant.js"; elem.async = true; elem.type = "text/javascript"; var scpt = document.getElementsByTagName('script')[0]; scpt.parentNode.insertBefore(elem, scpt); }
)();
_qevents.push(
{ qacct:"p-a2frTBW8R4ZJc" }
);
</script>
<noscript>
<div style="display:none;">
<img src="//pixel.quantserve.com/pixel/p-a2frTBW8R4ZJc.gif" border="0" height="1" width="1" alt="Quantcast"/>
</div>
</noscript>
<!-- End Quantcast tag -->


        <a  href id="productTrigger" style="display:none;" title="Product Subscription" data-sm-subscription-modal data-sm-subscription-modal-url="/auth/registration-subscription" data-trigger-point="BounceX" data-cms-ai="0"></a>
        <!-- Site Footer Code -->
<!-- Twitter single-event website tag code -->
<script src="//platform.twitter.com/oct.js" type="text/javascript"></script>
<script type="text/javascript">twttr.conversion.trackPid('nugmz',
{ tw_sale_amount: 0, tw_order_quantity: 0 }
);</script>
<noscript>
<img height="1" width="1" style="display:none;" alt="" src="https://analytics.twitter.com/i/adsct?txn_id=nugmz&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0" />
<img height="1" width="1" style="display:none;" alt="" src="//t.co/i/adsct?txn_id=nugmz&p_id=Twitter&tw_sale_amount=0&tw_order_quantity=0" />
</noscript>
<!-- End Twitter single-event website tag code -->
<!-- Lytics CSS override -->
<script>
(function(d, w, u){var head = document.getElementsByTagName("head")[0]; var link = document.createElement("link"); link.rel = "stylesheet"; link.type = "text/css"; link.href = u; link.media = "all"; head.appendChild(link);}(document, window, "https://storage.googleapis.com/sourcemedia-personalize/hosted/fnp/pfa-override.css"));
</script>
<!-- End Lytics CSS override -->
    <script type="text/javascript" src="//www.financial-planning.com/_resource/analytics.js" data-cms-main-id="0000014e-bcaa-dd85-abef-bdbf61c60000,0000015e-33d1-dc28-a57e-bbd9a8370000" data-cms-ids="[&quot;0000014e-bcaa-dd85-abef-bdbf61c60000,0000015e-33d1-dc28-a57e-bbd9a8370000&quot;]"></script></body>
</html>
