In The News
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Wealth Manager magazine, May 2007
Financial Advisor magazine, January 2007 Financial Advisor magazine, December 2006
Alan Gappinger was the subject of the monthly One-on-One profile in this widely-read industry publication. Writer David Drucker interviewed Alan to explore how his career has led him to become a leader in the financial literacy movement. Long committed to financial education, Alan founded the Heartland Institute to bring financial literacy to people in the workplace. The Institute is well-positioned to be a trusted resource for corporations as they fulfill their obligation to educate employees about their retirement benefits. Click here to read the article.
Research magazine, December 2006
In Protecting More Than Pensions, Alan Gappinger and co-author Marie Swift discuss how the Pension Protection Act of 2006 will change the way corporations provide employees with essential information about their retirement benefits. Baby Boomers are in desperate need of financial education so that they can understand their benefits and what they will need to do financially to be ready for retirement. Financial advisors have the opportunity to assist corporations in providing this type of education as long as they can serve as fiduciaries with no conflict of interest. Click here to read the article.
Association for Financial Counseling and Planning Education Annual Conference, November 2006
Heartland’s Alan Gappinger and Marcie Gappinger will present a Financial Education Workshop Demonstration of Seven Financial ‘Blind-spots’ For Employees at this industry conference.
Financial Advisor, October 2006
Veteran journalist David Drucker, in his article The Equity Fallacy, discusses whether employees of financial advisory firms necessarily need to have an equity position to give their all. Drucker quoted Alan Gappinger who said, “It’s important for a firm’s owners to recognize the value of [two] types of employees. A program that provides profit-sharing, bonuses and deferred compensation agreements supports the non-entrepreneurial folks, while a stock arrangement or partnership, which may be based on results and/or contributions, helps to encourage and motivate the entrepreneurs.” Click here to read the article. Research magazine, August 2006 Alan Gappinger was published as co-author of the article Accidents Will Happen in this leading trade magazine for financial advisors. Citing the American Council of Life Insurers statistic that one-third of people between the ages of 35 and 65 will become disabled for more than 90 days, Gappinger and co-author Marie Swift discussed how financial advisors can help their clients protect themselves and their families in case they are unable to earn a living. Click here to read the article. Fidelity Investors Weekly, August 4, 2006
In Consumer Spending and the Economy, reporter Neil Rhein discussed the potential impact on the US economy of a decline in consumer confidence and the resulting decline in consumer spending. Citing energy prices, interest rates and real estate as three important factors in determining consumer behavior, Rhein quotes Alan Gappinger. "Although a federal funds rate in the 5% to 6% range is widely viewed as a neutral monetary policy, when interest rates go up, the money supply tightens," he observes. "There's less liquidity for expenditures, and eventually even business development can be negatively impacted." Click here to read the article.
Financial Planning, August 2006
Alan Gappinger was quoted by industry veteran David Drucker in this leading publication for financial advisors. In his article, Getting All the Money, Drucker discussed the advantage to the client if the financial advisor has the benefit of knowing about all the client’s assets. However, many clients do not trust all their assets to one advisor and some don’t even divulge complete information about their financial picture. According to Gappinger earning the client's trust has a lot to do with the client's perception of you. "If he or she sees you as someone who looks at the situation globally -- isn't just advising on assets but on the whole picture -- that should cause the client to want to divulge more information because he or she sees you as a kind of financial physician who needs to know everything to make proper decisions."
Central Penn Business Journal, May 2006
Dr. E. Thomas Garman (special advisor to the Heartland Institute Board of Governors) and Marcie Gappinger, Director of Education, are quoted in this article Financial Ineptitude Hurts Firms, State Says. Reporter David Dagan discusses a new initiative of the Pennsylvania Office of Financial Education to develop a pilot program of financial education classes for state employees. Click here to read the article. Dallas Morning News, November 14, 2005
Reporter Pamela Yip, in her article Employees Need Financial Education, discusses the challenge facing most people in dealing with their financial lives. There’s an increasing trend among workers to look to their employers for basic financial education. Yip cites the Heartland Institute as a provider of financial education programs that “aim to take employees beyond the usual information about retirement plans and enable them to develop their own plan for achieving their goals. They learn about managing credit, investment diversification and the basics of stocks and bonds.” The article also notes that some companies may be hesitant to bring in financial education programs because they are concerned about the cost. Says Yip, “That's a shame, because an employee who's preoccupied with financial problems is a distracted and uptight employee, and that ultimately can affect a company's bottom line.” The Heartland Institute has created a cost-effective way for employers and groups to bring quality education to their constituents.
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