Monday, March 23, 2015

What is premium financing - Premium Financing using Indexed Universal Life



Full recourse premium financing is making a significant come back in the banking market using indexed universal life. Robert has a patent pending methodology that uses specific indexed universal life contracts with fixed policy loan rates to achieve repayment of the institutional bank loans at the end of the tenth year. In addition, Robert's strategies pay annual interest and a small portion of principal annually to mitigate some of the risk associated with bank loans.

This is a remarkable strategy that employs the economic leverage of institutional bank loans and the tax advantages of indexed universal life insurance with participating policy loans. A key tactical component is creating cash flow by paying smaller interest payments rather than traditionally higher premium payments. The second tactical component is using institutional monies instead of invested assets that are performing well. With a low interest rate environment, premium financing can be a significant opportunity for qualified and suitable investors.

Syndicated financial columnist and talk show host Steve Savant interviews premium funding strategist and life insurance consultant Robert Strauss, J.D. Robert is the founder and CEO of the Disciplined Advisor Network. This is episode 1 of 5 in the series, Premium Financing using Indexed Universal Life.

Friday, March 20, 2015

How to partner with the right financial adviser - Financial Planning for Women



The term financial adviser can be so broad that several vocational groups could fall under its umbrella. Insurance agents, registered investment advisers and registered representatives could be in that category. The fiduciary community comprised of tax attorneys, CPAs and bank trust officers could also be applicable. And then there's the credentialed adviser like certified financial planner, chartered life underwriter, chartered financial consultant. In profession financial circles some of these titles would not be accepted as a financial adviser, but nevertheless there listed throughout the public domain.

There are several online methods of vetting an adviser that can help in the assessment process. You can research broker check and your state department of insurance to determine if your adviser or agent has run afoul of the regulators. You can review LinkedIn profiles in your discovery process to size up a candidate. You can ask for referrals from trusted sources.

Syndicated financial columnist and talk show host Steve Savant interviews registered investment adviser and certified financial planner Heather Coulter. For almost 20 years she has been managing money and using a unique mind mapping software that analyzes, stores and retrieves client data and photos. This is episode 5 of 5 in the series, Financial Planning for Women.

Thursday, March 19, 2015

Why women must change their behavior towards money - Financial Planning for Women



Financial matters can be intimidating for most people and for women who have deferred money matters to others, even the more so. Women have an intuitive sense that can serve them well when interviewing potential advisers. Third party referrals from a trusted source can be a good place to start in your search for an adviser.

Generation X "stalks," an online term for researching information can yield some background information, like on LinkedIn, where you can review adviser profiles. There are also other online resources such as broker check or the department of insurance in your state where you can search for adviser information, even judgments on advisers.

Everyone has a financial personality profile developed over time and influenced by parents, events or education. Some conservative attitudes towards money may come from scarcity during childhood or out of control spending because parents always provided funding for everything. Whatever the pathologies, determining and understanding these internal forces can help in deal objectively in the matters of money.

Syndicated financial columnist and talk show host Steve Savant interviews registered investment adviser and certified financial planner Heather Coulter. For almost 20 years she has been managing money and using a unique mind mapping software that analyzes, stores and retrieves client data and photos. This is episode 4 of 5 in the series, Financial Planning for Women.

Wednesday, March 18, 2015

How starting over starts with a new mindset on money - Financial Planning for Women



The top two reasons couples get divorced or split up is a lack of communication and/or arguing about finances. Heather shares a bit of her own personal story of divorce and later splitting up after a time of co-habitation. Because of Heather's experiences, many women feel that she can sympathize, understand and identify, what they're going through. And much of the financial advice Heather gives has an empathic quality to it because of her own painful experiences.

For most women, remarriage takes on a whole new approach, especially when it comes to money. First things first: drawing up a prenuptial agreement. Second, having joint and separate bank accounts and credit cards. Third, defining ownership of personal property and proper titling of the home. Remarriage generally comes with children. Blended families need to take particular care with ownership issues, wills and estate planning, so their own children are not disinherited.

Syndicated financial columnist and talk show host Steve Savant interviews registered investment adviser and certified financial planner Heather Coulter. For almost 20 years she has been managing money and using a unique mind mapping software that analyzes, stores and retrieves client data and photos. This is episode 3 of 5 in the series, Financial Planning for Women. https://youtu.be/cFYS69IpP3k

Tuesday, March 17, 2015

What happens when you’re suddenly single - Financial Planning for Women



Women can find themselves suddenly single through divorce, death of a spouse, or the departure of a live in partner. The sudden dissolution of a relationship can cause significant personal trauma with secondary consequences, usually financial. Sometimes women feel inadequate in taking control of their finances, perhaps because they deferred money issues to someone else. The first step in taking control of your money is not disqualifying yourself from learning about money and finding a trusted adviser.

There are several online support web sites that cater to women where they can begin their financial education and search for advisers that fits their personal needs. Another step towards financial independence starts with bank accounts and credit cards in your own name. This episode addresses additional steps in learning how to master your money.

Syndicated financial columnist and talk show host Steve Savant interviews registered investment adviser and certified financial planner Heather Coulter. For almost 20 years she has been managing money and using a unique mind mapping software that analyzes, stores and retrieves client data and photos. This is episode 2 of 5 in the series, Financial Planning for Women.

Monday, March 16, 2015

Why planning is important to women - Financial Planning for Women



Women have more power and earning potential than ever before. They now make up the majority of college graduates, represent nearly half the labor force and are the primary breadwinners in 42 percent of households,” says Bast, who cited The Shriver Report published in 2014. “Because they’re balancing careers and families with philanthropic pursuits and other projects, however, they often place others ahead of themselves.”

Most women will spend at least part of their life on their own, either never marry or lose a spouse to divorce or death. This means many are forced to manage their own finances in their later years without support from a partner.

Syndicated financial columnist and talk show host Steve Savant interviews registered investment adviser and certified financial planner Heather Coulter. For almost 20 years she has been managing money and using a unique mind mapping software that analyzes, stores and retrieves client data and photos. This is episode 1 of 5 in the series, Financial Planning for Women.

Friday, March 13, 2015

How the Millennials approach money in a unique way to any generation - Selling Across Generations



Millennials are born between 1980 to 2000. They are very connected to their baby boomer parents. Millennials are know as the "special" generation. Even in competition they are awarded a ribbon for 11th place. A camera has been on them since birth.

Millennials grew up protected, programmed and praised their entire childhood.This generation befriends their parents.They like community with their family. Adapting to this demo graphic demands online consultation with boilerplate answers tailored to feel customized to their specific needs.They addicted to tech and need transparent advice.

Millennials are delaying life, i.e.marrying later, having children later and postponing careers. They're dreamers: big goals, no plans. This generation needs debt management because they don't have assets to manage.

Syndicated financial columnist and talk show host Steve Savant interviews registered investment advisers and certified financial planners Rob O'Dell and Heather Coulter. For almost 20 years their firm has been managing money and using their unique mind mapping software that analyzes, stores and retrieves client data and photos. This is episode 5 of 5 in the series, Selling Across Generations.

About Steve Savant

Steve Savant

As the National Marketing Spokesperson for Ash Brokerage, Steve Savant looks forward to meeting financial professionals in every way possible - in person or by video through conferences and social media.

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