Friday, February 28, 2014

Big deductible contributions can make you a hero to a business owner - 412(e)(3) Retirement Plans

These plans can generate serious six-figure deductible contributions for pension plan retirement strategies for business owners seeking shelter from last year's tax hike and this year's new taxes generated from Obamacare. Nationally recognized 412((e)(3) expert Nick Paleveda, MBA J.D., is interviewed by talk show host and syndicated financial columnist Steve Savant on "Let's Get Down to Business."

Thursday, February 27, 2014

How fully insured products compete over the long haul - 412(e)(3) Retirement Plans

Surprisingly, contractual guarantees over a long period are very competitive when compared to other funding vehicles that include market risk and could generate negative returns. The S&P 500 went negative four times during the last decade. Nationally recognized 412((e)(3) expert Nick Paleveda, MBA J.D., is interviewed by talk show host and syndicated financial columnist Steve Savant on "Let's Get Down to Business."

Wednesday, February 26, 2014

How life and annuity products can expand your business - 412(e)(3) Retirement Plans

Interestingly enough, enrolled actuaries review product offerings to comply with these plans. They're based on unisex rates and contractual guarantees. There are now two indexed annuity products that qualify for 412(e)(3) plans. Nationally recognized 412((e)(3) expert Nick Paleveda, MBA J.D., is interviewed by talk show host and syndicated financial columnist Steve Savant on "Let's Get Down to Business."

Tuesday, February 25, 2014

Give yourself a distinct advantage over 401(k)s - 412(e)(3) Retirement Plans

When you compare and contrast tax items, administration cost, fund fee drag and overall product performance, you'll seriously consider adding fully insured defined benefit plans to your inventory of retirement strategies. Keep in mind the approved product for this plan in non-FINRA annuities and life insurance. Nationally recognized 412((e)(3) expert Nick Paleveda, MBA J.D., is interviewed by talk show host and syndicated financial columnist Steve Savant on "Let's Get Down to Business."

Monday, February 24, 2014

Differentiate yourself in front of employers - 412(e)(3) Retirement Plans

There is a stark contrast in selling fully insured defined benefit plans under section 412(e)(3) when compared to other qualified retirement plans. The tax and administration efficiencies can really make a difference in the net results to an employer. Nationally recognized 412((e)(3) expert Nick Paleveda, MBA J.D., is interviewed by talk show host and syndicated financial columnist Steve Savant on "Let's Get Down to Business."

Friday, February 21, 2014

Asset Protection Series: Life Insurance in an Inhospitable Environment

Life insurance is not only an indemnification product, but it's also a cash asset instrument that can provide limited protection from creditors, depending upon the state in which a business is registered. Each state publishes creditor limits on life insurance and annuities. Attorney Ike Devji addresses low surrender charges and high, early cash value life insurance policies.

Thursday, February 20, 2014

Asset Protection Series: How Directors & Officers Liability Insurance Opens the Doors of Business

This is not errors and omissions insurance. E&O will not cover the issues attorney Ike Devji is addressing when he talks about Directors & Officers Liability Insurance. Ike doesn't limit it to for-profit enterprises, but he also extends the conversation to nonprofit organizations as well. Liability exposure is real in a culture of litigation where 70,000 lawsuits are filed every day.

Wednesday, February 19, 2014

Asset Protection Series: Addressing Overlooked Liability Insurance Can Make Services Distinctive

It can be difficult to get past most gatekeepers defending their employers from unwanted solicitation. But engaging in a first contact conversation over business liabilities that other advisors overlook can make you distinctive in the long line of insurance producers attempting to access the boss. Attorney Ike Devji explores the multi-faceted options of Employment Practices Liability Insurance such as employee social media, sexual harassment, data breach of client's information, etc.

Tuesday, February 18, 2014

How Basic Asset Protection Can Change Your Business Consulting Image - Asset Protection Series

The talking points of this episode can be used to access business owners with fundamental trolling tactics that unearth business liabilities and exposures that are rarely addressed by other consultants. Ike walks you through the items that can create a meaningful conversation and business owner engagement. Attorney Ike Devji familiarizes you with the items you'll need in your first contact interview with a business owner.

Monday, February 17, 2014

How Asset Protection Can Be A Differentiator in Your Practice - Asset Protection Series

Asset protection is more than life insurance and disability insurance. It's bigger than wills, trusts and company ownership issues. Asset protection, by Attorney Ike Devji's definition, is addressing defensive planning with an entirely new understanding of traditional insurance products in tandem with specific property/ casualty products. Ike's core practice model focuses on the business and personal exposure that few advisers offer.

Friday, February 14, 2014

How Target Marketing Can Hit the Bull's Eye for You - Online Social Media Marketing

Once you have the right lens you have the right focus to see clearly. Once you have the right view, you can aim at your target market and hit the sales bull's eye. Social media is quantifiable and its analytics can help you adjust your marketing efforts as you go. This week features the Online Social Media Marketing Series with host Steve Savant and nationally recognized Financial Social Media Marketer Amy Mcilwain

Thursday, February 13, 2014

How Online Compliance is Changing & Could Change Your Practice - Online Social Media Marketing

One of the great challenges for online media marketing is gaining the approval of broker/dealer and/or insurance compliance departments. But there's been significant changes recently regarding the rules of online engagement with some companies touting the fact that they have a new approach to it. This week features the Online Social Media Marketing Series with host Steve Savant and nationally recognized Financial Social Media Marketer Amy Mcilwain bring you up to speed.

Wednesday, February 12, 2014

How Online Content Marketing Can Promote Your Business - Online Social Media Marketing

Content is king online, whether it's written or video. Great content distributed on a regular basis over multiple channels can deliver your message on social media sites, web sites and industrial web sites. Learning to be pithy in tweets and blogs take little time or it can be outsourced. This week features the Online Social Media Marketing Series with host Steve Savant and nationally recognized Financial Social Media Marketer Amy Mcilwain focus on message content to your targeted online audience.

Tuesday, February 11, 2014

How Inserting a Social Media Strategy Can Impact Your Marketing Campaigns - Online Social Media Marketing

Many businesses target market their customer base with strategies and tactics, not only for sales, but brand awareness, consumer education and to secure an awareness of their business. This week features the Online Social Media Marketing Series with host Steve Savant and nationally recognized Financial Social Media Marketer Amy Mcilwain walk you through online strategies in tandem with your conventional marketing efforts.

Monday, February 10, 2014

Why Social Media Needs to be the Foundation of Your Marketing Strategy - Online Social Media Marketing

Online marketing is very inexpensive to deploy at the entry level. Most Americans use Face Book and Twitter as well as the corporate use of LinkedIn. Online marketing is based on the exposure to large targeted populations. This week features the Online Social Media Marketing Series with host Steve Savant and nationally recognized Financial Social Media Marketer Amy Mcilwain addressing the social media building blocks that can expand your practice.

Friday, February 7, 2014

Disability Insurance Update - News You Can Use - February 2014

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.

Thursday, February 6, 2014

Long Term Care Insurance Update - News You Can Use - February 2014

The impact of gender based pricing that replaced unisex rates has finally settled into the extended care market place. Once result was the expected increase in LTC premiums for females. Another shift in LTC policies is a move away from offering 5% to 3% COLA, impacting retirement modeling. More retirement specialists are enlisting long-term care experts to help co-design their plans with extended care indemnification. Maria Sarci explains these and other news items.

Wednesday, February 5, 2014

Product Update - News You Can Use - February 2014

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, February 4, 2014

Life Insurance Update - News You Can Use - February 2014

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, February 3, 2014

Annuity Update - News You Can Use - February 2014

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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