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Our concept library is primarily intended for financial professional use only and is not to be reproduced or shown to clients. For pieces to use with customers, check out the client-facing category. Client-facing pieces are subject to broker-dealer review.
In this conversation card, you're looking for clients with CDs that rollover regularly or where the clients aren't using the funds. Through a multi-year guarantee annuity (MYGA), you can provide principal protection and liquidity with a greater return than a typical CD.
A fixed index annuity can be an elite player to your client's retirement income lineup. And with this easy-to-understand game plan, you can tackle all the ins and outs of FIAs and learn how to put them in play.
If your clients are holding all their retirement assets in defined contribution plans or institutional IRAs, they’re at a financial disadvantage. See why these plans can cause problems if your client has enough assets to begin to consider individualized financial and estate planning.
Retirement shifts the focus from accumulating wealth to ensuring reliable income, as retirees need consistent funds to maintain their lifestyle. While promise-based products, like annuities, guarantee income regardless of interest rate changes, risk-based products, such as CDs, are vulnerable to rate fluctuations.
This piece encourages clients to take a step back and meet with you to review their existing annuity contracts. It highlights the potential benefits of newer products, as well as when it's a good time to perform a review. See how the Ash Annuity Audit can help start a conversation.
Social Security is misused and it’s up to you to shift the risk of Social Security benefits and help clients plan better. With benefits estimated to potentially reduce by 79% within the next decade, now is the time to bring additional value — before a reduction occurs.
The Federal Reserve is expected to implement substantial rate cuts. This creates an opportune moment for clients to reevaluate their fixed income investments, as current elevated rates allow for locking in favorable long-term rates.
When it comes to funding long-term care, annuities that the client won't be using for income can be a great option. Share this piece with clients who have existing qualified or nonqualified annuities to start a conversation.
The Annuity Audit review is designed to analyze your clients’ current in-force annuities and provide you with an understanding of your clients’ current contracts, allowing you to evaluate appropriate options. This form will help you get the facts to start.
When a minor child suffers injuries in an accident, the medical, financial and emotional concerns can be a huge burden. The uncertainties of rehabilitation and future earnings potential must be considered. These concerns can be addressed with a structured settlement plan.
Attorneys involved in structured settlement agreements can defer their legal fees and recognize taxable income when installment payments are received. Take a look at two common situations where structuring attorney fees provide a greater benefit than a lump sum.
Using a portion of assets, clients could get the certainty of a contractual guarantee of an insurance company, higher than 4%. Then, use that guaranteed income to provide a guaranteed return of their investment principal through a life insurance contract.