Advice & Education

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4 pack
New! Advisor Guide to Selection + Use of Annuities 

With the Secure Act in effect, the use of annuities in defined contribution ("DC") plans will open up new opportunities for the insurance industry. However, success in attaining new business will require changes in products, practices and investment in time, effort and capital in order to counteract the current negative attitude towards the misunderstood annuity products.

4 pack 
Sample Templates 4 Pack 

Sample templates are the simple way to formalize the key requirements of Regulation Best Interest by making changes to the standard forms and adding necessary disclosures. The Sample Template 4 Pack includes Investment Discovery and Recommendations and Rollover Discovery and Recommendations.

bundle 408g 
Making the Most of 408g - The Series

Making the Most of 408(g) is a series of four reports (“Series”) designed to inform the decision and optimize the implementation of the 408(g) exemption. Each report is focused on a separate area of interest so that together the Series offers a broad understanding of the opportunities and implications of the 408(g).

The Series consists of reports covering:

  • Agreements, Disclosures, Notifications
  • Generally Accepted Investment Theories
  • Marketing 408(g)
  • Risk Management
408g Agree
Making the Most of 408g - Agreements, Disclosures, Notifications

This paper is one of a series that is intended to provide users and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.

This paper presents best practices for complying with audit and certification requirements relating to this communication.

Investment 408g
Making the Most of 408g - Investment Theories

This paper is one of a series intended to provide users and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.

This paper presents best practices for complying with audit and certification requirements for the variety of Generally Accepted Investment Theories.

Marketing 408g
Making the Most of 408g - Marketing 408g

This paper is one of a series intended to provide users and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.

This paper describes opportunities to leverage the 408(g) process to increase confidence of existing clients and make advice services more compelling for prospective clients.

risk
Making the Most of 408g - Risk Management 

This paper is one of a series intended to provide users, and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.

4 pack
Rollover Training 

Work smarter to win more business with low exposure and give retirement investors better choices. This training is for Financial advisors and all who service or support Rollover business

Course Content:

  • Module 1: Smart Ways to Access Rollovers
  • Module 2: Smart Rollover Practices
  • Module 3: Smart Pricing
  • Module 4: Managing Exposures

Communications

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TBPIS
Trends & Best Practices in Investor Statements

DALBAR’s 2019 Trends & Best Practices in Investor Statements is the 22nd annual analysis and ranking of statements across multiple distribution channels, including brokerage, mutual fund, variable annuity and retirement plans. This report identifies leading firms in each channel and highlights best-in-class features, emerging trends and innovations in client reporting.

perfreport
Trends & Best Practices in Performance Reporting

Performance reporting paints a complete picture of a portfolio and provides a deep look into the allocations, performance and investments that make up clients’ accounts. These tools go beyond the quarterly statement and assist clients in understanding their investment strategies and help to identify when changes need to be made. DALBAR’s Trends & Best Practices in Performance Reporting reveals the features that make these documents, vital components to the firm-advisor-client relationship, best-in-class.



Cybersecurity

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execsummary
State of Authentication in Financial Services – Executive Summary

DALBAR and ThinkAdvisor conducted a survey of leading financial institutions to catalog the authentication practices currently being used across four points of entry into your records, including: websites, mobile devices, interactive voice response units (“IVR”), telephone contact centers, and online statements. This Executive Summary provides an overview of these defenses and allows your organization to compare its own cybersecurity practices to the financial community at large.

Roundtable
Multi-Sector Cyber-Defense Collaborative

Multi-sector Cyber-defense Collaborative (“MCC”) is a membership group formed to identify and share the most effective practices being used by financial services institutions and service providers to combat the threat of cybercrime. Through a combination of in-person and virtual meetings, each member gains access to the combined knowledge of MCC members. Tools are in place to allow a free exchange of ideas and to provide advance notice of potential cyber threats.

execsummary
State of Authentication in Financial Services – Authentication Trends

DALBAR’s Authentication Trends Report assists financial institutions in determining which practices need to be added or enhanced and the sequence for making improvements based on the risk, cost, timeframe and hurdles to overcome. This report breaks down the cyber-defenses currently in place for various points of entry, lines of business and audiences. Potential vulnerabilities are identified, as are specific practices gaining traction and falling out of favor. This report will assist institutions in setting priorities based on risk, cost, timeframe and hurdles to overcome.



Digital 

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State of the Industry – Online Account Opening

NEW! State of the Industry: Financial Services Mobile Landscape

Gain unparalleled insight into the current direction of the financial services mobile industry that will help you prioritize future enhancements and stay in the customer's view. Series includes Artificial Intelligence, Mobile Trends and Innovations, and Rankings and Ratings of mobile sites and apps.

supportingpp
NEW! Supporting the Current and Future Financial Health of Plan Participants

Making employees' financial health a top priority just makes good business sense because it increases dollars and cents. Employees who are unduly burdened by financial stress are less productive, less focused, less healthy and more litigious. DALBAR looked at providers’ offerings to plan sponsors that address participants financial health - current and future. This study looks at the financial wellness resources made available (impacting employees’ current financial health), as well as the measures utilized to enable sponsors to gauge the health of their plan (impacting employees’ future financial health).

The impact that employees’ financial stress has on a firm's bottom line cannot be overstated.


MI - The World of Mobile Optimized Web Sites
Mobile InSIGHT - The World of Mobile Optimized Web Sites

In order to remain 'in the customer's view', financial firms must stay current and leverage the mobile Web to establish a meaningful presence on their customers’ devices. However, two overarching questions remain: exactly what content should be mobile accessible and what is the best way to utilize screen space?

DALBAR's Mobile InSIGHT analyzed financial services firms’ mobile optimized Web sites and recognized those who create a meaningful user experience fit for mobile consumption.

Ranking Report

Mobile InSIGHT – Innovations in the World of Apps
This report analyzes financial services firms’ mobile software applications and recognizes those pacesetters whose mobile apps have led them to a higher, more continuous level of visibility. Read about trends and best practices, see app ratings, benchmarking stats and more.


State of the Industry – Online Account Opening
State of the Industry – Online Account Opening

Offering anything other than a robust and captivating online pre-sale and account opening experience is one quick way to hamper the sales process. DALBAR’s State of the Industry – Online Account Opening research delves into the account opening experience offered to self-directed, robo-advisor and managed account clients and highlights best-in-class practices.


Best in Class Home Pages
Best-in-Class Plan Participant Home Pages

First impressions Count! We're offered a very small window in time to get a reaction. Ideally, function and usability should take precedence over how one judges a Home Page, but there is that "appearance" issue to contend with as well. Ultimately, that first experience has the strongest impact on the big decision to take another step...

This report highlights the 10 Plan Participant Web sites that DALBAR analysts identify as "Best-in-Class".

e-Delivery

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onlinebehavior
NEW! e-Delivery: Online Search Behavior Analysis

When it comes to e-Delivery programs, understanding customer needs is a key determinant of success. With so many financial services firms facing challenges in improving e-Delivery adoption rates, DALBAR has put together a unique and innovative study of online search behavior related to e-Delivery that can help firms better understand what customers are looking for and in turn better plan for e-Delivery adoption campaigns.

This industry leading report provides an overview of e-Delivery search behavior on Google by geographical location in the US as well as by age, gender and household income. In addition, this report provides an analysis of the kinds of search terms users interested in e-Delivery are relying on to find solutions to their reporting needs.

eDelivery
State of the Industry: The Online e-Delivery Experience

State of the Industry: Online e-Delivery Election Experience uncovers the process of consenting to electronic delivery. DALBAR reviewed 42 unique e-Delivery election experiences across four segments of the financial services industry: Retirement, Life Insurance & Annuity, Mutual Funds and Brokerage.

eDelivery
e-Delivery Benchmark Study

DALBAR identifies the biggest e-delivery concerns that the Financial Services industry faces, highlighting:

  • Paperless adoption rates for the most common communications
  • Annual savings from e-delivery and spending on boosting adoption
  • Obstacles faced in converting investors to electronic
  • Tactics and strategies utilized to gain consent
  • Methods of promoting e-delivery and driving investor action
  • How clients make use of the service and what potential issues might affect the experience
  • How clients are alerted to the availability of new documents and how are they accessed
  • Reasons for suspending e-delivery



QAIB Products

QAIB 2020 Available March 31, 2020!


Unpanickingkit
NEW! Pre-order QAIB 2020
$795

Be the first to purchase the 2020 Quantitative Analysis of Investor Behavior Study! The report will be downloadable on the day of publication, Tuesday, March 31, 2020.
Unpanickingkit
NEW! The Investor Panic Relief Tool (i-PRT)
Free Beta Version

With 24 hour news, market analyses, and predictions of doom, financial advisors have a tough job "un-panicking" investors. That is why DALBAR created the The Investor Panic Relief Tool (i-PRT).

  Copyrights 
Copyrights Add-on
$249

This add-on grants purchasers of the copyrights full permission to incorporate certain materials into other works on the condition that Licensee makes required regulatory disclosures and sources QAIB and DALBAR as appropriate.

elect
QAIB Return Builder
$250

Looking for more than the typical 1, 3, 5? Generate Average Investor Returns based on your custom timeframes of over 25 different categories of “Average Investors”

DotCom
The DotCom Crash
$99

QAIB look-backs take an in depth look at the average investor during specific, noteworthy periods in the stock market’s history.

monday
"Black Monday" (1987)
$99

QAIB look-backs take an in depth look at the average investor during specific, noteworthy periods in the stock market’s history.

election
2016 Election
$99

QAIB look-backs take an in depth look at the average investor during specific, noteworthy periods in the stock market’s history.

Max Impact
Maximum Impact Events
$250

This report examines the ways investors can mitigate their money-losing behavior during maximum impact events. It looks at 10 months in which the Average Equity Fund Investor underperformed the S&P 500 by the largest margin.
Quincy
Quincy & Caroline Part 1
$99

This infographic tells the story of Quincy and his wife Caroline who inherited $20,000 in 1998. They each took $10,000 and invested it in their own account. They both invested in mutual funds with similar performance but this husband and wife have very different styles when it comes to when and how much to invest. Fast forward 20 years and see how Quincy and Caroline are doing today.
Harry 
Anatomy of Investor Returns: Harry
$99

Meet Harry. He’s a confused, disenchanted skeptic, trying to find answers about his investment account. Use this blunt, light-hearted story to highlight concerns of the average investor and foster an honest discussion about your client-advisor relationship, and what makes you different.



quincypart2
NEW! Quincy & Caroline Part 2
$99

Explaining market recovery to fear-filled investors concerned about a downturn is not easy. This infographic about a married couple who think very differently is a sequel to the 2018 Quincy and Caroline, A Tale of Investing.


Contact Center Offering

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TBPCC
NEW! Pre-Order Trends & Best Practices in Financial Services Contact Centers

Financial services and insurance contact centers face many unique challenges, from a tight regulatory/compliance environment, to complicated products to ever-increasing customer expectations. DALBAR’s Trends & Best Practices in Financial Services Contact Centers study is designed to help you thrive in this challenging environment by providing broad-based financial services and insurance specific benchmarks and best practices.



Customer Experience

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cxa
NEW! Investor Insights Study Series

Investor Preferences are constantly evolving and today’s customers expect much more of the companies they choose to do business with. It’s time to get a solid understanding of what your customers are looking for. This study combines DALBAR’s Customer Experience expertise with input from some of the top providers in the financial services industry, and will determine exactly where customer preferences lie.

onlinesecurity
NEW! Investor Insights: Online Security

DALBAR’s Investor Insights study on Online Security identifies the priority clients place on their financial firms’ security measures as well as their impressions of those practices (that are visible to them). Survey participants were also asked to confess to their own precarious online behavior and this report also offers best-in-class security tactics currently utilized by financial firms.

invusadv
NEW! Investor Insights: Investors Using Advisors

Does having an advisor contribute to positive investing behavior? This report looks at the difference in engagement between those with and those without professional guidance, their communication preferences and online behaviors. Understanding these substantial differences can help firms prioritize enhancements and target those individuals who are active and engaged in their finances./p>

acctstatement
NEW! Investor Insights: Account Statements

Investors are utilizing new technologies but the statement is still widely used to obtain account details. This report delves into how statements are utilized, including common sections deemed critically important or not important and examines investor opinions on statement design.

Make a Research Request

If you are in need of specific research, get in touch with us and make a request.

DALBAR's, Inc. is focused on helping our clients to build a successful business in finance