Tuesday, December 31, 2013

Top Sales Ideas of 2013 - How to Sell Retirement Alpha -- Mortality Credits

The search for "Alpha" is the holy grail of returns. But considering mortality credits in a lifetime income annuity may be a new twist to the use of the term. Mortality credits based on age have the potential to generate more than the interest rate credited over the life expectancy of the policy insured. Steve and special guest Tom Hegna, talk about this traditional annuity crediting method in an expanded understanding of alpha.

Monday, December 30, 2013

Top Sales Ideas of 2013 - How to Sell the Longevity Risk of Retirement

While there are many risks in retirement, the number one risk in retirement is longevity risk. Living too long compounds the living liabilities of retirement: market portfolio exposure, sufficient income and extended care costs. Steve's special guest, Tom Hegna, discusses longevity risk and how to position the longevity conversation with clients and prospects.

Friday, December 20, 2013

Charitable Giving - American Philanthropic Advisers

Dan is the author of several books. His latest is entitled, The Power of Leveraging the Charitable Remainder Trust. This book outlines a proven approach, which allows you to become a partner with charity while gaining control over your tax destiny and providing for you and your family. This strategy taps into the unique tax characteristics of two financial instruments - the Charitable Remainder Trust (CRT) and Cash Value Life Insurance (CVLI) - in order to achieve some amazing goals. Steve and Dan talk about his new book and how advisers are using it.

Thursday, December 19, 2013

Charitable Giving - Charitable Giving Techniques

There are several planning strategies and tactics that can benefit, not only the charity, but the contributor as well. When giving becomes mutually beneficial for all concerned, it's truly a win-win scenario. Two of the more popular charitable giving techniques are charitable remainder annuity trusts (CRATs) and charitable remainder unit trusts (CRUTs). Steve and Dan unpack these two ideas that can help you serve your philanthropic clientele.

Wednesday, December 18, 2013

Charitable Giving - Asset Replacement Trust

Charitable donations are often made without any consideration to heirs. The opposite is also true. Many philanthropic people don't donate large gifts because they don't want to be perceived as giving away the inheritance of their children and grandchildren. Steve and Dan explain how to replace charitable gifts and how to create new cash flow to pay for it.

Tuesday, December 17, 2013

Charitable Giving - Charitable Gifts & Taxation

Charitable gifts often carry tax deductions for taxpayers that file the long 1040 form. Charitable gifts can be lump sum cash, appreciated stocks, life insurance policies and hard assets like real estate, art, etc. But many charitable gifts are monthly or annual donations from people with big hearts and small wallets. Steve and Dan walk you through the basic tax advantages of charitable giving.

Monday, December 16, 2013

Charitable Giving - Considering A Charitable Gift

Americans are the most benevolent givers in the world; and many have their own non-profit organizations and/or charities that they regularly contribute to. The motivations for giving are generally heartfelt, but there's also an additional incentive for charitable tax deductions. Steve and Dan introduce you to charitable giving. It's not just an end of the year tax-planning event.

Friday, December 13, 2013

End of the Year Tax Planning for 2013 - 5 Things You Can Do This Year & Next

Steve and Ken cherry pick some things you can do to lower your tax bill for 2013 and give you a few ideas for 2014 tax planning. If most Americans, who pay federal and state taxes, are proactive with their tax planning, they may be able to keep more of their money. It's not how much you make, but how much you keep.

Thursday, December 12, 2013

End of the Year Tax Planning for 2013 - Charitable Giving

America is the most benevolent country in the world. It seems like everyone has a favorite charity or IRS approved non-profit organization. And there may be tax advantages to giving as well, even if you have a small wallet, but a big heart. Steve and Ken talk about charitable giving strategies for those with an inclination to give. After all it's the season.

Wednesday, December 11, 2013

End of the Year Tax Planning for 2013 - Qualified & Non Qualified Plans

Qualified plans are generally popular because of pre tax or deductible contributions and tax deferral accumulation. Some employer sponsored defined contribution plans even match employee contributions to some degree. But ultimately those plans are subject to ordinary income taxation and could trigger Social Security benefit taxation. A new trend for lower tax bracket savers may be non-qualified tax deferred plans and/or Roth IRAs. Steve and Ken reintroduce Roth Conversions as an option to lower retirement income taxation.

Tuesday, December 10, 2013

End of the Year Tax Planning for 2013 - How Income is Taxed

There are many ways to earn an income in our society and taxation on those earnings is just as varied. Income can be taxable, tax deferred or tax-free. Tax-free sounds great, but it's limited to a few income sources. Tax deferred income can delay taxation, but ultimately not escape taxation. Steve and Ken list the income items and their tax exposure in an easy to understand format to assist advisers in end of the year planning.

Monday, December 9, 2013

End of the Year Tax Planning - Introduction to Tax Planning

The history of American taxation is a storied one. And in recent years, the tax system story has become difficult to understand for most Americans. It needs an overall. But the government seems paralyzed in partisan gridlock, so we have to move forward with what we know. Steve and Ken address the basics of end of the year planning for advisers, who want to expand their practice by being conversant in the fundamentals of taxation.

Friday, December 6, 2013

News You Can Use -- December 2013 Long Term Care Insurance Update

Long-term care linked benefits in annuities and cash value life insurance policies are undergoing a subtle recharaterization. In the past, hybrid insurance products were used simply for extended care indemnification. Now they are being viewed as a balance sheet asset as more retirement advisers embrace the hybrid as the highlight of retirement planning. Steve and Bradley discuss the economic leverage of hybrid insurance products.

Thursday, December 5, 2013

News You Can Use -- December 2013 Disability Insurance Update

Revenue rainmakers and linchpin administrators are among the targeted class of employees for key person disability insurance. And there are some employer/owners, who are using key person disability insurance in addition to their personal disability insurance for greater coverage. And speaking of greater coverage, keep in mind that Lloyd's of London addresses not only excess coverage, but older ages as well. Steve and Tim walk through these topics and highlight sleep apnea and anxiety conditions that impact morbidity underwriting.

Wednesday, December 4, 2013

News You Can Use -- December 2013 Underwriting Update

The impaired risk and standard or better markets continue to reflect fourth quarter cases and underscore the need to match client medical profiles with specific carriers. Remember, most recognized impaired risk carriers have differing risk tolerances by disease. Steve and Joe review some of the anomalies from recently placed cases.

Tuesday, December 3, 2013

News You Can Use - December 2013 Life Insurance Update

Steve and David discuss the new carriers' debuts in 2014. One of the premiere product concepts for the new year is American General's revolutionary income solution. Another emerging distinctive is the 360 Advisor, a practice enhancement that can position your practice as the premier provider of financial solutions.

Monday, December 2, 2013

News You Can Use -- December 2013 Annuity Update

The spread between the interest rates credited to certificates of deposits and fixed annuities is significant. And the power of tax deferral over time can be dramatic. Those two items are impacting annuity sales. Steve and Michael review the latest in annuity products, rates and best in class annuity spreadsheets.

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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