Income Reliability Over Portfolio Longevity: A New Standard for Advisors
Capital-intensive withdrawal strategies are obsolete. Modern financial planning demands purpose-driven, efficient solutions. Morningstar’s recent decision to lower its safe withdrawal rate from 4% to 3.7% isn’t a footnote — it’s a flashing warning light for financial professionals still building retirement income strategies around the portfolio longevity model. While the article “How’s Your Client’s Reliability of […]
The Care Crisis Your Clients Aren’t Talking About
WHY ASSET-BASED LTC DESERVES A PLACE IN YOUR PLANNING PLAYBOOK Long-term care (LTC) is one of the most overlooked threats to a retirement portfolio. Advisors often focus on market volatility, taxes, and estate transitions — but few give equal weight to the financial shock a care event can cause. The statistics are hard to ignore: […]
Death, Taxes… and the 6 Silent Wealth Killers
DMI’s Exclusive Roth Blueprint Turns RMD Chaos Into Tax-Free Clarity We all know the two things no one escapes—death and taxes. But there’s a third beast lurking in your clients’ future, and it’s quietly feasting on their legacy: the six chain reactions triggered by Required Minimum Distributions (RMDs). And here’s the real kicker: most advisors […]
Retirement’s Curveballs — Here’s How Top Advisors Are Hitting Back
Volatile markets. Shrinking withdrawal rates. Uncertain Social Security.Today’s retirement isn’t playing by the old rules—and neither should your strategy. The top advisors aren’t playing defense anymore. They’re leading with a new benchmark for income planning. It’s simple to explain. Powerful to deliver. And engineered for the real-world risks your clients actually face. RETIREMENT HAS BECOME […]
You’re Already in the Room. OWN ALL OF IT.
Why Employee Benefits Advisors Are Leaving Revenue—and Relationships—on the Table As an Employee Benefits Advisor (EBA), you’ve already done the hard part. You’ve earned a seat at the table.You’ve built trust with business owners.You’re the go-to for health, dental, and employee benefit renewals. But if that’s where the conversation ends, here’s the truth:You’re doing half […]
Never Make a Move Without Commitment
By Eric Warner, Co-Host of the Sandler Sales Workshop Series In the world of financial advice, relationships are everything. But relationships without structure? They waste time and stall progress. That’s why one of the most powerful principles in the Sandler Selling System is Rule #28: Never make a move without a commitment. It’s a core […]
Retirement 1.0 is Obsolete — Time for an Upgrade
Imagine trying to run today’s business on a 2015 operating system — slow, clunky, and completely out of sync with reality. You wouldn’t accept that kind of lag in your technology. So why let your clients run their retirement plans on outdated annuities? Retirement strategies, like software, need updates. And right now, most clients are […]
The Million Dollar Easter Egg Hiding in Your Clients’ Buy- Sell Agreements
The Supreme Court Just Turned a Technical Detail Into a Tax Time Bomb—Here’s What You Must Do Now In the world of business succession planning, there’s now a legal Easter egg you absolutely cannot afford to miss. We’re not talking about a pleasant surprise. This one comes wrapped in a Supreme Court ruling—and it blew […]
Retirement Income Planning Just Got a Black Ops Upgrade
Four Threats. One Answer. Let’s be honest: most retirement strategies out there look the same. Layer on some stocks, sprinkle in a bond ladder, add a little Social Security guesswork, and hope your client doesn’t live past 85 or get sick. That’s the plan? Meanwhile, your clients are quietly panicking about four things: Living too […]
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 […]