Wednesday, May 28, 2014

Why Product Allocation Can Be Enhanced with Deferred Income Annuities



Surprisingly RIAs are exploring DIAs as a backstop to their asset allocation retirement models. Some advisers, unfamiliar with annuity products, are finally coming to terms with the inadequate and hypothetical 4% distribution rule, which may be more like 2.8%. Many DIAs with inflation riders can generate adequate income at a lower present value price than traditional asset allocation models. Nationally recognized annuity expert Mike McGlothlin is interviewed by Steve Savant, syndicated financial columnist and talk show host on the Annuity Solution Series featured on Let's Get Down to Business

Tuesday, May 27, 2014

How Temporary Life Period Certain could change the retirement game | Annuity Solutions



A resurgence in temporary life period certain is trending in retirement planning, increasing income and internal rates of return. The consumer offset is taking on the mortality risk of a pre- mature death. But many consumers are willing to consider it based on the creating a higher payout. Nationally recognized annuity expert Mike McGlothlin is interviewed by Steve Savant, syndicated financial columnist and talk show host on the Annuity Solution Series featured on Let's Get Down to Business

Monday, May 26, 2014

Defined benefit plan terminations could be boost annuity sales | Annuity Solutions



Even with the recent gains in the market, most defined benefit plans have significant shortfalls resulting in unfunded liabilities for employers. An emerging trend to mitigate the crisis is the use of guaranteed annuities. Nationally recognized annuity expert Mike McGlothlin is interviewed by Steve Savant, syndicated financial columnist and talk show host on the Annuity Solution Series featured on Let's Get Down to Business

Friday, May 23, 2014

Advisors specializing in retirement, Part 5 | Retirement Income Masters



Retirement Guru Michael Kitces and Top of the Table producer Dick Dick Austin are featured in this special episode of "Let's Get Down to Business" about advisors who specialize in retirement income. Host Steve Savant's special guest is Top of the Table and Million Dollar Round Table platform speaker Tom Hegna with his new book, "Retirement Income Masters."

Thursday, May 22, 2014

Advisors specializing in retirement, Part 4 | Retirement Income Masters



Top of the Table qualifiers Curtis Cloke and John Homer are featured in this special episode of "Let's Get Down to Business" about advisors who specialize in retirement income. Host Steve Savant's special guest is Top of the Table and Million Dollar Round Table platform speaker Tom Hegna with his new book, "Retirement Income Masters."

Wednesday, May 21, 2014

Advisors specializing in retirement, Part 3 | Retirement Income Masters



Top of the Table qualifiers Briggs Matsko and John Curry are featured in this special episode of "Let's Get Down to Business" about advisors who specialize in retirement income. Host Steve Savant's special guest is Top of the Table and Million Dollar Round Table platform speaker Tom Hegna with his new book, "Retirement Income Masters."

Tuesday, May 20, 2014

Advisors specializing in retirement, Part 2 | Retirement Income Masters



Top of the Table qualifiers Bob Hartman and John Schwan are featured in this special episode of "Let's Get Down to Business" about advisors who specialize in retirement income. Host Steve Savant's special guest is Top of the Table and Million Dollar Round Table platform speaker Tom Hegna with his new book, "Retirement Income Masters."

Monday, May 19, 2014

Advisors specializing in retirement, Part 1 | Retirement Income Masters



Top of the Table qualifiers Rao Garuda and Christie Mueller are featured in this special episode of "Let's Get Down to Business" about advisors who specialize in retirement income. Host Steve Savant's special guest is Top of the Table and Million Dollar Round Table platform speaker Tom Hegna with his new book, "Retirement Income Masters."

Friday, May 16, 2014

Supplemental, Guaranteed and Simplified Issue | Disability Income Awareness Month

Businesses have additional options to purchase disability coverage with guaranteed standard issue, simplified issue and supplemental group long-term disability. These can be the foundational framework for basic disability coverage. Benefits can be use to cover overhead expenses such as rent, mortgage payments, business property taxes, business insurance premiums, payroll, benefits or utility bills. They can also cover outsourced business expenses like accounting and legal fees. And then there's Lloyd's of London, the specialty insurance company which covers older-age employees or specific vocational hazards and other niche liabilities. Steve Savant, syndicated financial columnist and talk show host, interviews nationally recognized disability insurance expert Tim Kukieza on this episode of "Let's Get Down to Business."

Thursday, May 15, 2014

Key Person and Buy-Sell Disability Arrangements | Disability Insurance Awareness Month

There are two types of employees that business owners cover in a key person scenario: company operation managers and revenue rainmakers. When a key person is disabled, operations may grind to a halt and revenue may decrease. Insuring against a disability can help fund temporary or permanent replacements. Buy-sell arrangements are used for succession planning, or multiple business owners can cover life events such as death, disability or retirement of an owner. Disability is the most neglected area of these business arrangements. Steve Savant, syndicated financial columnist and talk show host, interviews nationally recognized disability insurance expert Tim Kukieza on this episode of "Let's Get Down to Business."

Wednesday, May 14, 2014

Disability Insurance for Key Executive Benefits | Disability Insurance Awareness Month

Business disability insurance has several segmentations, including buy-sell arrangements, loan indemnification, business overhead expense and retirement protection. But perhaps the most important disability benefit is key person. The recruiting and retention of quality employees is a high priority for business owners. Steve Savant, syndicated financial columnist and talk show host, interviews nationally recognized disability insurance expert Tim Kukieza on this episode of "Let's Get Down to Business."

Tuesday, May 13, 2014

Short-Term and Long-Term Disability Insurance | Disability Insurance Awareness Month

Short-term and long-term disability insurance products are key employee benefits that can be offered in employee group plans and executive benefit arrangements. Individual plans can be purchased to augment group or executive benefits. Long-term disability policies can also offer residual benefit and cost-of-living adjustment riders. Steve Savant, syndicated financial columnist and talk show host, interviews nationally recognized disability insurance expert Tim Kukieza on this episode of "Let's Get Down to Business."

Monday, May 12, 2014

An Introduction to Disability Insurance | Disability Insurance Awareness Month

Paycheck protection is critical for those earning a living. However, deciphering disability insurance is about more than understanding the policy options and carrier nuances to design custom-fit coverage. It's also about being able to comprehend the legal language set out in the policy to determine if the coverage is appropriate for the client. Disability insurance is broken into two main market segments: blue-collar and white-collar. There are also high-end vocations which demand an additional level of consideration. Steve Savant, syndicated financial columnist and talk show host, interviews nationally recognized disability insurance expert Tim Kukieza on this episode of "Let's Get Down to Business."

Friday, May 9, 2014

How to develop and deploy marketing campaigns for women | LTC Tribute to Mother's Day

A new form of marketing and sales training is emerging for advertising campaigns targeting women. Corporate courtship skill sets need to be inserted in the sales process for women prospects. Nationally recognized long term care expert Maria Sarci is interviewed by Steve Savant, syndicated financial columnist and talk show host on Let's Get Down to Business featuring our long term care tribute to Mother's Day.

Thursday, May 8, 2014

Creating a long-term care strategy is important to women | LTC Tribute to Mother's Day

Consider the fact that 70 percent of today's senior women are using some level of assisted living. Their Baby Boomer daughters will be living perhaps a decade longer than their mothers. No responsible retirement plan can omit long-term care coverage for the future geriatric lifestyle that extended care will demand. Nationally recognized long-term care expert Maria Sarci is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Wednesday, May 7, 2014

Women will cause a seismic shift in the economy | LTC Tribute to Mother's Day

The science of marketing and advertising is shifting significantly to females. Women already run the domestic finances and spending habits of the family. The widows of the "Greatest Generation" are becoming the stewards of largest wealth transfer in history. Everything is shifting toward women. Whether it's politics or social reengineering, it's ultimately all about money. And they'll control it. Nationally recognized long-term care expert Maria Sarci is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Tuesday, May 6, 2014

Extended living is the No. 1 risk to women | LTC Tribute to Mother's Day

Actuaries tell us we're all living longer, but women are living longer than men. The years of widowhood are ever increasing as men die according to the mortality tables, but women continue to live past their projected mortality. The next generation of women will be the health and diet conscientious Baby Boomers. For them, turning 90 will no longer be an anomaly. It will be a fact of life. Nationally recognized long-term care expert Maria Sarci is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Monday, May 5, 2014

Women hold the purse strings in America | LTC Tribute to Mother's Day

The statistics are staggering. Male veterans of World War II and the Korean War are a passing generation, leaving the wealth of America to their spouses. The surviving women of the "Greatest Generation" are now the money matrons of the purse strings in this country. And their Baby Boomer daughters are helping them with financial counseling. Nationally recognized long-term care expert Maria Sarci is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Let's Get Down to Business."

Friday, May 2, 2014

Veralytics can be part of your process | Product Due Diligence

Veralytics is a leading product comparison software which measures policy industry averages, adding a significant component to the policy review process that goes well beyond proposal comparisons and specimen policy analysis. 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."

Thursday, May 1, 2014

Best practice standards are a competitive advantage | Product Due Diligence

The conscientious advisor applies the best practice standards as a good steward of their clients' financial concerns. These standards integrate with prudent investor models in an advisor check list which sorts out policy values and/or establishes policy deficiencies. It is a highly desired service among gatekeepers, who seek to quantify policy comparisons within the framework of accepted due diligence procedures. 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."

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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