14 Nov 2022
Posted by Scott White 
What if you could offer your clients 8.15% guaranteed for 3 years with a taxable investment today? Would they jump on that opportunity? Assuming a 35% client tax bracket, that 8.15% rate is the same as a 5.30% guarantee for 3 years on a tax deferred annuity! See below for a comparison: .tg...
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14 Dec 2021
Posted by Tom Virkler 
Nobody gets help with college costs nowadays unless they first fill out a lengthy and bothersome form known as the FAFSA (the acronym stands for Free Application for Federal Student Aid, just in case it ever pops up when you choose the Governmental Financial Assistance category on Double Jeopardy). The...
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28 Apr 2020
Posted by Scott White 
If you have clients with annuities that have Market Value Adjustments or MVAs, it may be worth looking up their current values to uncover additional sales opportunities. Market Value Adjustments work as an inverse bond relationship. In other words, if interest rates were HIGHER when your client bought...
Read more → 30 Jul 2019
Posted by Scott White 
Financial and Insurance advisors working in the state of New York have probably heard of Regulation 187 by now. And if not, here is your quick guide to everything you need to know to stay in compliance. This new regulation applies to all financial professionals submitting new business in New York,...
Read more → 07 May 2019
Posted by Scott White 
As clients transition into the income phase of retirement, matters of volatility, sequence of return risk and potentially outliving assets are major concerns. Many clients can reduce these risks with guaranteed income they cannot outlive utilizing a flooring technique provided by annuities. That is, guaranteeing...
Read more → 07 Aug 2018
Posted by Annuity Sales 
One of the greatest threats to any client’s income or accumulation plan is an extended health care event. With the cost of care ranging from $54K to $100K annually, a client could be forced to liquidate equities at depreciated values, tap into annuities that were earmarked for lifetime income, or destroy...
Read more → 26 Jun 2018
Posted by Annuity Sales 
We’re nearly halfway through 2018 – and the market continues to experience volatility as it digests the outcomes of last year’s tax cuts, the comeback of inflation, geo-political policy uncertainties, and the likelihood of the Fed to increase rates in 2019. A key reason to consider an index...
Read more → 12 Dec 2017
Posted by Scott White 
As the year draws close to its end, now’s an opportune time to start discussing your clients’ IRAs and RMDs that will need to be taken next year based on year-end balances. A qualified longevity annuity contract (QLAC) can be a great way to pivot from this conversation into one that will save money...
Read more → 10 Oct 2017
Posted by Matt Henn 
The force of tax deferral that is! In its simplest form, an annuity is a retirement vehicle – 1) it’s a solution to grow money tax favorably and 2) it’s an opportunity to create guaranteed lifetime income. We’re all keenly aware of the lifetime aspect of annuities – and for good reason,...
Read more → 07 Sep 2017
Posted by Scott White 
The Department of Labor Rule has been a hot topic throughout the first part of 2017. And recently, the DOL published a comment proposal to delay the January 1, 2018 full compliance date for 18 months - pushing it out until July 1, 2019. What does this delay mean? The June 9, 2017, requirements...
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