Friday, August 29, 2014

What Advisors Need to Know about Indexed Annuities - Indexed Annuities

The indexed annuity market is occupied by hundreds of carriers attempting to gain market share in one of the fastest growing segments of retirement planning. This episode highlights some of the best indexed annuities in the market place. Steve Savant interviews nationally recognized annuity expert Mike McGlothlin on Let's Get Down to Business.

Thursday, August 28, 2014

Income Riders with Indexed Annuities - Indexed Annuities

There are a variety of income riders. Some are free and embedded in the policy and others are an additional expense. Some income riders are benchmarked to the account value, while others are tied to the phantom future account. This episode addresses these riders and their applications in retirement planning. Steve Savant interviews nationally recognized annuity expert Mike McGlothlin on Let's Get Down to Business.

Wednesday, August 27, 2014

Crediting Methods with Indexed Annuities - Indexed Annuities

There are three basic crediting methods used in indexed annuities: Spreads, Participation Rates and Rate Caps. Some indexed polices use a combination of crediting methods.This episode seeks to define these crediting methods and their applications to educate the adviser. Steve Savant interviews nationally recognized annuity expert Mike McGlothlin on Let's Get Down to Business.

Tuesday, August 26, 2014

How Options Work with Indexed Annuities - Indexed Annuities

Option trading can be a complex concept to grasp, especially as it relates to annuities. This episode attempts to outline the financial fundamentals of index options, such as the S&P 500, that delivers protection against market losses and participation in market gains. Steve Savant interviews nationally recognized annuity expert Mike McGlothlin on Let's Get Down to Business.

Monday, August 25, 2014

The Basics of Indexed Annuities - Indexed Annuities

Indexed annuities are one of the most popular financial products offered by insurance carriers and the most understood product among financial advisers. The talking points of this episode lays out a firm foundation for understanding the basics of indexed annuities. Steve Savant interviews nationally recognized annuity expert Mike McGlothlin on Let's Get Down to Business.

Friday, August 22, 2014

Rescuing Defined Benefit Plan Participants - Defined Benefits and Structured Settlements

Some plan participants are being offered lump sum payments to roll over into a qualified IRA. What happens if your defined benefit plan terminates? Is there really protection the government agencies like the Pension Benefit Guaranteed Corporation? Is my company offering an alternative like a defined contribution plan such as a 410(k)? Defined Benefit Plan expert Steve Pilger is interviewed by Steve Savant, syndicated financial columnist and talk show host on Let’s Get Down to Business.

Thursday, August 21, 2014

Accessing Untapped Defined Benefit Markets - Defined Benefits and Structured Settlements

There are 3,000 plans with $280 billion in assets that represent a sector of the defined benefit arena that face daunting financial challenges like investment risk, longevity risk and regulatory risk. Structured Settlements markets have two subsets: qualified and non qualified. Those qualified or court ordered settlements and defined benefit plans may be an attractive business environment for an adviser with annuity solutions. Defined Benefit Plan expert Steve Pilger is interviewed by Steve Savant, syndicated financial columnist and talk show host on Let’s Get Down to Business.

Wednesday, August 20, 2014

Structured Settlement Opportunities - Defined Benefits and Structured Settlements

There are several markets to consider that present unique opportunities for an adviser’s practice. Structured settlements are comprised of a sizable attorney and claimant population with several categories of litigation: Disabled plaintiffs, minor children, wrongful death, severe injury and workman’s compensation. Just to name a few. Defined Benefit Plan expert Steve Plilger is interviewed by Steve Savant, syndicated financial columnist and talk show host on Let’s Get Down to Business.

Tuesday, August 19, 2014

Frozen Defined Benefit Plan Opportunities - Defined Benefits and Structured Settlements

Some defined benefit plans are in trouble because of poor investment returns, even with recent market gains. And with the economy still in recovery, funding pension obligations can be difficult. The regulatory environment is restrictive and costly. So some plan administrators are freezing their defined benefit plans and opting for alternative solutions. Defined Benefit Plan expert Steve Pilger is interviewed by Steve Savant, syndicated financial columnist and talk show host on Let’s Get Down to Business.

Monday, August 18, 2014

Pension Plan Risk Transfer & Structured Settlements - Defined Benefits and Structured Settlements

There are over 26,000 U.S. defined benefit plans, with some shortfalls and others with dire deficits. Many plan administrators are freezing these plans to reduce their under funded exposure and ongoing liabilities. On the structured settlement front, there appears to be an ever-increasing need for structured payments based on court judgments, i.e. annuities. The news here is that this market has gone mainstream and now is accessible to advisers. Defined Benefit Plan expert Steve Pilger is interviewed by Steve Savant, syndicated financial columnist and talk show host on Let’s Get Down to Business.

Friday, August 15, 2014

How deferred compensation generates sales opportunities from existing plans - Deferred Compensation



There are several inroads that can accommodate new deferred compensation plans with existing qualified plans. Lack of high touch service and cumbersome administration can be a pain point for employers and a door opener for advisers. Online syndicated financial columnist Steve Savant interviews nationally recognized business expert Sherry Flint, CLU on Let's Get Down to Business.

Thursday, August 14, 2014

How deferred compensation generate sales opportunities for new plans - Deferred Compensation

Adding new non qualified deferred compensation plans is fairly easy to do once the budget for excess plans beyond traditional ERISA options. Flexibility, investment choices and simplicity are key aspects attractive to small closely held businesses and work well with deferred compensation plans. Online syndicated financial columnist Steve Savant interviews nationally recognized business expert Sherry Flint, CLU on Let's Get Down to Business.

Wednesday, August 13, 2014

How deferred compensation plans work - Deferred Compensation



Non qualified deferred compensation is very flexible once you understand the rules of engagement. Compensation can also come in many forms W2 or 1099 and for a variety of unconventional ideas like college funding & retirement home. There are also financial funding options that can maintain a degree of liquidity. Online syndicated financial columnist Steve Savant interviews nationally recognized business expert Sherry Flint, CLU on Let's Get Down to Business.

Tuesday, August 12, 2014

Why deferred compensation plans offer solutions to business owners - Deferred Compensation



There are various types of deferred compensation plans, some for non profits and for profit entities. Companies for profit are looking for "excess plans," concepts beyond the traditional defined contribution and defined benefit plans under ERISA. Non profit and profit companies are looking to recruit and retain quality key executives. Additional non qualified deferred compensation plans are significant selling points in executive team building. Online syndicated financial columnist Steve Savant interviews nationally recognized business expert Sherry Flint, CLU on Let's Get Down to Business.

Monday, August 11, 2014

Why advisers should look at deferred compensation plans - Deferred Compensation

Non qualified deferred plans are being reintroduced because of three employment drivers: Higher tax brackets, qualified plan limitations and head hunting for highly compensated executives create an opportunity for deferred comp sales.. Much of the deferred comp market is subject to Sec 409a and with punitive penalties for non compliance, it's important to know the regs and rules of engagement. Online syndicated financial columnist Steve Savant interviews nationally recognized business expert Sherry Flint, CLU 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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