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, […]
SECURE ACT 2.0 – 4 THINGS YOU NEED TO KNOW NOW
In December 2019, the original SECURE Act was passed, bringing significant changes to the post-death tax treatment of qualified retirement accounts. Now, in its new Final Regulations of the SECURE Act 2.0 issued on July 18, 2024, there are more than 90 provisions that cover all types of retirement savings plans. Some requirements are in […]
A Solution for Stability
As we wrap up 2024, it’s clear the Indexed Universal Life (IUL) market continues to gain serious traction. LIMRA recently reported that the IUL market saw $3.7 billion in new premium in 2024 alone, with a significant portion directed toward protection-focused IULs. This trend is driven by a rising client demand for products that deliver […]
Tap into a Market of Millions: Unlocking the Potential of Federal Employee Benefits for Advisors
KEY POINTS Massive Untapped Market: Federal employees, nearly 3 million in number, represent a largely underserved audience in financial and retirement planning, presenting a unique opportunity for advisors. Unique Financial Challenges: Many federal employees mistakenly believe their retirement is fully handled, but without proper guidance, they can miss key benefits or make costly errors. Their […]
‘Tis the Season to Talk Life Insurance and Long-Term Care
Autumn ushers in the holiday season — a perfect opportunity to revisit important conversations about insurance reviews and long-term care (LTC). Regular policy reviews ensure that your clients’ financial strategies evolve alongside their lives. Reviews before the holidays give your clients time for more perspective. Either way, ensuring your clients are well-protected and on track […]
THE PERFECT STORM: Why Now’s the Ideal Time for Annuity Refinancing
As a financial advisor, you’re no stranger to the changing tides of the market, and right now we’re in what many are calling a “perfect storm” for annuity refinancing. With interest rates much higher than just a few years ago, surging market values, and evolving product features, there has never been a better time to […]