The Call Your Client Is Going to Get Anyway
Money in Motion The information about a maturing annuity reaches your client either way. Here is a three-step method for finding, matching and moving the contracts coming due in your book. Step 1 Find it Every contract from 2023 or earlier, sorted by call date. Step 2 Match it Three questions that point to a […]
The 6% Question
A five-year contract is earning 6%. How much more would you need to expect from equities to take the risk instead? 6.00% Guaranteed each year for five years, available today from A-rated carriers + ? The extra return you’d require for accepting market risk = ? What equities must earn, every year, to have been […]
The S&P 500® Index Just Got ‘Shock Absorbers.’ Here’s What It Means for Every FIA Conversation in 2026.
By Erick Lindewall, Vice President of Annuity Sales, DMI A few weeks ago I was on a call with an advisor who’s been writing FIA business almost as long as I have. Smart guy. Big book. He was bracing for the renewal conversation. You know the one. A client he wrote in 2020 was about […]
You’re Solving the Wrong Problem
Why Most Retirement Income Plans Fail and What to Do Instead What if instead of asking: “How do we generate income from this portfolio?” you asked: “How do we deliver the required income with the least amount of capital?” That is the question most advisors never ask, and it changes everything. For decades, advisors have […]
Timing the Tides
Retirement Success Depends on When Your Clients Set Sail Retirement isn’t just a destination—it’s a launch. And like any voyage, the timing of the tides matters more than most clients realize. In planning terms, that tide is the market. And if your clients set sail during a downturn, their portfolio may never find its way back. This isn’t a […]
From Growth to Income: 5 Strategic Shifts
The Retirement Red Zone isn’t a metaphor. It’s a moment of truth. Your client is close to the goal — lifestyle freedom, no paycheck needed — but the field just shrank. The margin for error is gone. Sequence of returns, inflation creep, longevity risk — they’re all blitzing at once. And here’s the kicker: most […]
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 […]
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 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 […]
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 […]