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 […]
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 […]
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 […]
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 […]