RETIREMENT INCOME, REINVENTED: The Bold Strategy for Smarter Advisors
Is retirement income planning broken? Traditional methods may leave money on the table and clients exposed. But what if you could flip the script—turning retirement assets into a powerful, optimized income engine? That’s exactly what Retirement Asset Optimization (RAO) does, and it’s reshaping how financial advisors grow their business. On March 20, Mike Hoeflich and […]
THE BUY/SELL BLIND SPOT: Why Most Advisors are Failing their Business Owner Clients
Most business owners are walking a financial tightrope—without a safety net. You see it. You know it. Yet, too many advisors and insurance agents hesitate to have the tough conversation about succession planning. Maybe because it’s uncomfortable. Maybe because it feels complicated. But here’s the truth: If you aren’t talking to your business owner clients […]
If You’re Tellin’, You’re Not Sellin’: How to Close More Financial Sales Without Pushing Products
Why Your Clients Tune Out—And What to Do Instead If you’re spending most of your client meetings talking, rattling off features, explaining policies, and proving how much you know… I hate to break it to you, but you’re losing sales. Your clients don’t care about your encyclopedic knowledge of products. They care about their problems, […]
50% LESS COST, 100% MORE IMPACT: A New Era of Retirement Planning
Let’s face it—the retirement planning world has changed. The old rules? They no longer apply. Clients are living longer, spending more, and facing unpredictable markets. Things were different when pensions and social security covered the bulk of retirement expenses. But now things are different: market volatility can become a real problem with people trying to […]
Sequence Of Returns Risk
TURNING RISK INTO OPPORTUNITY Markets are unpredictable (shocking… right?). They soar one year and tumble the next. For retirees drawing, or about to draw, income from their portfolios, this unpredictability isn’t just inconvenient; it’s dangerous. It’s called Sequence of Returns Risk, and it can shatter retirement dreams if not addressed properly. But what if you, […]
Avoiding Decision Paralysis and Empowering Business Owners in Retirement
Every day, business owners face a multitude of complex financial and business decisions, including how they will fund retirement, when and if they will step-back from the business, tax considerations and issues, long-term care costs and determine how they will exit their business. The sheer number of decisions can paralyze a business owner into non-action. […]
A Fragile Decade: Are You Addressing the Sequence of Returns Risk with Your Clients?
You guide your clients through plenty of risks as they prepare for retirement. After all, retirement is a long game that has many parts to manage, such as taxes, health care costs, inflation, and market risk. When it comes to investing, it’s understood that actual returns will vary significantly from year to year depending on […]
The Sequence of Returns Conversation
Negative sequence of return risk is one of the biggest risks to the predictability and sustainability of your client’s retirement income plan. As most clients have benefitted greatly from the long bull market run of the past decade and begin to transition from the accumulation phase to the distribution phase of their retirement income, negative sequence of […]
Powerful Conversation Starters and Marketing Tools to Jumpstart Client Conversations
DMI’s Director of Marketing Glen Setchfield recently gave us a sneak peek of the upcoming DMI University Retirement Income Protection Two-day Webinar Series. This upcoming webinar will highlight how to deploy AIG’s effective, multi-faceted Campaign in a Box with several great Conversation Starters to pave the wave for new life insurance conversations with your clients. […]
Impact Investing: What It Is and How It Can Impact Your Clients Retirement
Driven by Millennials and Gen X interest, impact investing can act as a catalyst for retirement saving as individuals focus on a impactful investment —from sustainable agriculture to renewable energy, conservation, and micro-finance. In addition to the macroeconomic trends in sustainable investing, updates from regulatory agencies, shifting consumer investor preferences, and demographic changes across the […]