5 Reasons Why Good Leads Go Bad

I’m calling Sandler onto the floor for this blog: Rule #41, the one about “No Bad Prospects, Only Bad Salespeople” must have been written by Sandler on a gloomy day. The truth is, sometimes we get leads that are the ‘red-headed stepchildren’ of prospects. And we’ve ALL BEEN THERE.  But when you have good leads – leads […]

The Real Cost of Leads

There are many options to get leads and grow your business. This is a blog about paid leads. Let’s be clear, organic marketing is part of building a healthy brand and generating great leads for your business. Using a paid leads program tries to jump start this process and get you right to the nurturing […]

Climbing the MYGA Ladder

Whether annuities are your primary product or a complementary portfolio solution, Multi-Year Guaranteed Annuities (MYGAs) are emerging as a valuable piece to consider in a retirement strategy. If you’re looking for creative ways to maximize MYGAs, consider a laddering structure.  What is MYGA Laddering?   MYGA laddering is similar to the concept of CD laddering or […]

Don’t Gamble with the Golden Years

Tips for market volatility impacting clients at or near retirement Due to the unpredictability of the stock and bond markets, it’s quite possible that a traditional asset allocation strategy may not protect clients from declining asset values and could potentially expose them to an even bigger risk: running out of savings in retirement. After all, […]

7 Facts for Funding College with IUL

IUL for funding college? If you have a client in the market for life insurance, they may be surprised that it may help them save for a child’s — or grandchild’s — college education. Obviously, life insurance is first and foremost purchased for its death benefit. But we’re going to focus on one of the many living benefits of […]

The XX Factor: 7 Tips to Future-Proof Your Practice

More women than men associate negative emotions with financial planning and say they are less confident about managing money according to one study. Shift this trend by taking steps to better engage female clients and build a relationship based on trust and confidence. 1. Treat couples as equals… and individuals. When meeting with couples, be sure […]

Social Security Marketing: Navigating the Regulatory Landmines

Social Security is a foundational piece of retirement income planning for most Americans. It’s often one of the only guaranteed income sources they will have in retirement. Making the right decisions when it comes to filing for benefits can have lifelong consequences. Consumers often turn to their financial professionals to help them sort through the […]

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?

A man sits at a table with blocks in a line. His hand intersects a line of block stopping the flow of blocks cascading, implying sequence risk protection.

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

Sequence of Returns Promotional Video

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 […]