Clients often hate debt. But loans can have hidden advantages. Low interest rates and favorable tax advantages have changed the game. See how fixed-rate loans, withdrawals from fixed loans, and participating loans can provide three paths for retirement income as needs arise.

There's a misconception that the fees and commissions of cash value life insurance make it difficult to accumulate wealth. This piece breaks down an indexed universal life (IUL) policy by premium expense, cost of insurance (COI), coverage charge and admin charge.

Life insurance may be your client's most valuable asset class. It has tax-deferred growth, tax-free income and a tax-free death benefit, with no annual IRS contribution limits or RMDs. See how you can position the benefits to lock in gains in a sideways market.

Your client's portfolio needs a tax-free bucket. As you look at the history of top income tax rates, which direction do you think future rates will go? As taxes rise, it's important to mitigate tax liabilities during retirement by diversifying assets for tax-free access.

Many Americans are over-allocated to traditional, tax-deferred retirement assets like 401(k)s and IRAs. When taxes increase, they may be taxed as ordinary income. Guide them to tax-free income in their portfolio with a balanced risk profile guaranteed against market losses.

This is one situation in life where you really do know what you're gonna get. Download a sample output of our Ash Annuity Audit to see what's included in the analysis. It will help you help your clients understand their current annuity contracts and identify potential next steps.

Women typically live longer than men, but they also tend to have lower Social Security benefits. That's why it's important to understand the impact claiming early can have on a surviving spouse. Here's how one couple created a strategy that allowed them to earn over $23,000 in additional Social Security benefits over their lifetimes.

Landowners often have a deep appreciation for their ranch, farm, forest, wetland or other property – and have concerns about the long-term welfare of the land. A conversation easement can help protect the land while life insurance can replace lost market value for the estate.

Don’t shy away from talking about disability insurance just because it’s not part of your normal client conversation. With Ash’s resources, get the expertise you need from start to finish. From training and plan design to case managers and placing more cases, we’ve got you covered.

Clarify your message. Grow your business. When you have a clear and repeatable message that connects with clients, your business will grow. A private StoryBrand workshop, delivered by Ash Brokerage, will help you tell their story so your potential customers will listen.

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.

Every product recommendation begins with a conversation. In this cheat sheet, we take five key areas of concern and help you review life events that clients may be working through. The provided discussion points for each can lead to implementing a strategy with an annuity.