Wednesday, April 30, 2014

Policy expenses should be separated from performance | Product Due Diligence

Prudent investor models separate product expense loads from product performance. The current product expense loads should be a reference point to measure between policies and the industry norms. The projected performance is an undetermined future event which skews the validity of a proposal, which can create a false expectation to a prospective client. Nationally recognized product due diligence expert Barry Flagg, CFP, CLU, ChFC, is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Tuesday, April 29, 2014

Understanding mortality mechanics to improve your practice | Product Due Diligence

Selling due diligence can be a market strategy. The analytic procedures for measuring the value of a policy for a prudent investor are sorely lacking in the marketplace. That in itself could be a significant opportunity for an advisor. Partnering with a firm that supports policy analysis can add dramatic value to your practice. Nationally recognized product due diligence expert Barry Flagg, CFP, CLU, ChFC, is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Monday, April 28, 2014

Due diligence can impact your brand | Product Due Diligence

Carrier ratings are important and their financial balance sheet, even more so. Measuring the value of a specific product line is important due diligence as protocol and a critical component of best practices that can be a distinctive characteristic of your business brand. Nationally recognized product due diligence expert Barry Flagg, CFP, CLU, ChFC, is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Friday, April 25, 2014

Why the Rhinebeck Fund is unique | Life Settlement

The Rhinebeck Fund target market is as low as $10,000 of face amount and caps off around $1 million. One of its unique propositions, compared to the rest of the life settlement market, is its turnaround time, which often is half the industry average. Life settlement experts Erez Rotem and Alex Sirotkin of Integrity Life Solutions, LLC, are interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Thursday, April 24, 2014

How laws and regs affect your engagement in the market | Life Settlement

Within the last five years, the industry has developed and implemented new legislation and regulations to govern the life settlement market. Although they have increased the paperwork and due diligence process, they have also fostered an environment of policy owner and beneficiary safeguards. Life settlement experts Erez Rotem and Alex Sirotkin of Integrity Life Solutions, LLC, are interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Wednesday, April 23, 2014

How life expectancy affects the settlement market | Life Settlement

There are three to four life expectancy providers who calculate the mortality of policy insureds with their own proprietary methodologies. There are also a few annuity carriers who apply mortality credits for annuitants with impaired risks by age rating up the actual age of the proposed annuitant. While this is just a general assessment, it's a good place to start without submitting the full requirements of a life settlement. Life settlement experts Erez Rotem and Alex Sirotkin of Integrity Life Solutions, LLC, are interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Tuesday, April 22, 2014

How the life settlement market can impact your practice | Life Settlement

There is little doubt that retirement resources may be strained for most seniors. Personal property like a life insurance policy may not be viewed as a cash asset by a retiree. However, it could be a backstop or cash reserve to supplement shortfalls in retirement income. Currently the inventory of life insurance policies is low, and the demand in the life settlement is high. Reviewing in-force life insurance policies may generate the income seniors are looking for. Life settlement experts Erez Rotem and Alex Sirotkin of Integrity Life Solutions, LLC, are interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Monday, April 21, 2014

Life settlement market is an option for seniors | Life Settlement

It's surprising to note how many permanent policies lapse each year or are deliberately surrendered by policy owners over age 55. Similar activity is found in the business market, where term policies are no longer necessary for an indemnification period. The monetary loss of these policies can be profound. The life settlement market has adequate funders, but no inventory. Life settlement experts Erez Rotem and Alex Sirotkin of Integrity Life Solutions, LLC, are interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Friday, April 18, 2014

Compare tax benefits between products | Tax Investment Strategies



It may sound like financial heresy to use a modified endowment life insurance contract and worse, annuitize it. But effective tax bracket rates may prove this strategy as a better income source over the life of the insured. Now annuitzation of MEC contracts are now being spread-sheeted against SPIAs and DIAs because some carriers appear to be more benevolent with mortality credits on life insurance than with their own annuities. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Thursday, April 17, 2014

AGI & MAGI can set up the sale of tax-advantaged products | Tax Investment Strategies



Getting a handle on AGI and MAGI can really make your tax-advantaged insurance products stand out. Educate your clients on the myriad of taxes both seen and not-so-seen. The power of deferral and potential tax-free income can have a huge impact on your client's 1040. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Wednesday, April 16, 2014

Improve your practice by harvesting tax losses and capital gains | Tax Investment Strategies



One of the the basic balance sheet strategies for tax reduction is matching deductions, exemptions and credits against differing forms of income. But the next level of education is learning how to match up market gains and losses through tax harvesting to minimize taxation. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Tuesday, April 15, 2014

Managing investment taxation can improve your client relationships | Tax Investment Strategies



Among advisors, the discussion on funds is generally relegated to expense loads and the Statement of Additional Information fees. But there is a growing conversation about the taxation of open-ended mutual funds versus ETFs and static allocation models. Acquiring a basic understanding of these tax issues can set the backdrop for presenting tax-advantaged insurance products. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Monday, April 14, 2014

Open opportunities by engaging clients | Tax Investment Strategies



Based on AGI and MAGI, should your client take a tax deduction offered by a qualified plan or use a non-deductible Roth and/or TAMRA-compliant life insurance policy to fund retirement? Determining your client's effective tax bracket can help you determine whether to use this alternative retirement strategy. Keep in mind that many advisors perform Roth conversions, but perhaps their clients shouldn't have been in a qualified plan in the first place. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Friday, April 11, 2014

Combining tax-deferred products can deliver growth and income | New Tax-Reduction Strategies

A new resurgence of deferred-income annuity products is significantly impacting deferral and income retirement scenarios. And although the interest rate environment is low, mortality credits continue to play the biggest role in lifetime income distribution strategies with indexed annuity income riders and single premium immediate annuities. Adding life insurance as an income alternative during strategic periods of retirement can increase cash flow for retirees. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Thursday, April 10, 2014

Permanent life insurance can be a major tax diversification asset | New Tax-Reduction Strategies

A life insurance policy designed as a non-modified endowment contract under TAMRA can accumulate tax deferred. And if distributed correctly, it can generate tax-free income as long as the policy is kept in force for the life of the insured. The management of the death benefit option and the face amount are critical to contain the cost of insurance. There's also a variety of crediting methods available based on the policy owner's risk tolerance. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Wednesday, April 9, 2014

Integrating deferred products can help control when you pay taxes | New Tax-Reduction Strategies

Deferring taxation on non-qualified retirement plans allows the continued accumulation of gains. The delay of gains can have a significant impact on cash flow the longer the deferral period, and it can empower a client to pay ordinary income tax at their discretion. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Tuesday, April 8, 2014

Managing AGI & MAGI can increase the money you keep | New Tax-Reduction Strategies

Understanding the basics of adjusted gross and modified adjusted gross income can help you insert tax-advantaged products as a proactive tax-reduction strategy. Learning the tactical art of "tax bracket" management can put more spendable income into the pockets of your clients. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Monday, April 7, 2014

New taxes require a new approach | New Tax-Reduction Strategies



The vast majority of financial planners know the tax law changes that have occurred over the last quarter century. But are we using the old tax methodologies to manage today's taxation? That was then. This is now. It's no longer just about exemptions, deductions and credits. It's about adding tax-advantaged products to create more spendable income for our clients. Nationally recognized product taxation expert Ken Davis is interviewed by
Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Friday, April 4, 2014

Disability Insurance

Disability insurance is expanding from paycheck protection to retirement insurance for qualified plans. Generating some attention are simplified issue underwriting in business scenarios, creating a better climate for advisers to overcome traditional underwriting. Nationally recognized disability expert Tim Kukieza is interviewed by Steve Savant, syndicated financial columnist and talk show host on the Final Four Product Review Series featured on Let's Get Down to Business.

Thursday, April 3, 2014

Long Term Care Insurance

The extended care market is still evolving with an ever expanding linked benefits and riders on annuities and life insurance policies. The stand-alone LTC insurance policy market has downsized significantly. But most carriers who remain have a long history in the LTC market. Nationally recognized Long Term Care expert Maria Sarci is interviewed by Steve Savant, syndicated financial columnist and talk show host on the Final Four Product Review Series featured on Let's Get Down to Business

Wednesday, April 2, 2014

Life Insurance Indemnification Term & GUL

Guaranteed level term and guaranteed universal life insurance are two of the most popular consumer protection products to indemnify key family members and business associates. Spreadsheet comparisons using health categories need to match up to the carrier's underwriting behavior. The spreadsheet is advertisement. The underwriting behavior is reality. Steve Savant, syndicated financial columnist and talk show host walks you through the grids on the Final Four Product Review Series featured on Let's Get Down to Business

Tuesday, April 1, 2014

SPIAs, DIAs & Index Income Riders

The retirement market is adopting guaranteed income annuities as a fundamental of financial security for seniors. Shopping for blocks of income with inflation features can build a solid foundation to meet household expenses during retirees' golden years. Nationally recognized annuity expert Mike McGlothlin is interviewed by Steve Savant, syndicated financial columnist and talk show host on the Final Four Product Review Series featured on Let's Get Down to Business.

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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