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Here’s how advisors are replacing traditional methods.

Scott Alan Miller is a technical fellow at Niagara Technology Group, an IT services firm specializing in the SMB market.

Some say the changes could make the Federal Housing Administration's program less attractive to borrowers, but they could also improve the market.

Less than $5 million in gross receipts during a five-year period and qualified R&D expenses are required.

Gaurav D. Garg is the Chief Executive Officer of Personal Insurance for AIG. This business is comprised of High Net Worth/Private Client Group, Personal Accident and Supplemental Health, Personal Property, Personal Auto, Travel and Assistance Services, Extended Warranty and Service Programs.

Gaurav joined AIG in April 2015 and serves as Director on several boards of AIG Companies and is a Corporate Officer & SVP at AIG Inc. He also represents AIG as Vice Chairman of the Board of Directors for Blue Marble Micro Insurance and as Chairman of the Insurance Subcommittee at the U.S.-India Business Council. Gaurav has recently joined the American Insurance Association Personal Lines Executive Council.

Prior to joining AIG, Gaurav was a Senior Partner at Mercer in New York and on the Executive Committee. He served as President for Mercer’s Growth Markets Region. He first joined AIG in 2000 and held various management and leadership positions across AIG’s Personal Line insurance business. He also served as the Chief Executive Officer and Managing Director of Tata AIG from 2007 to 2012.

Gaurav holds a Master’s Degree in Business Administration and has completed the Advanced Management Program from Wharton, University of Pennsylvania.

Newer hybrid products are popular, but they can be expensive.

Smart beta and other factor investing often leads to more complexity than necessary.

Having credible, thoughtful answers to clients’ questions is essential to truly meeting a fiduciary standard of care.

Nate Blair is a partner at Palo Alto Wealth Advisors.

The holdings in each of the three new offerings are rated A to BBB.