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You may get questions comparing the benefits of an annuity vs a CD. Or compared to a money market, bond or equity fund. This cheat sheet provides a quick reference to the features, fees, taxation and commissions of eight common types of assets your clients may consider.
There are many reasons to buy annuities. Choosing the right annuity is important in helping clients reach their financial goals. Whether that's income, accumulation, long-term care coverage or legacy planning, a review of their current goals will ensure an alignment for success.
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 benefits are likely to change in the near future. While Congress can still act to fill the funding gap, clients may need to protect their retirement portfolio against a reduction in benefits. As cuts become more likely, the PlanGap Annuity can help clients be prepared.
Qualified longevity annuity contracts (QLACs) were introduced in 2014. Adoption has been slow due, but a QLAC remains one of the best tools to improve the probability of retirement success. See the results of our annual performance study and how it can help your business grow.
After a client's work-related injury case was settled, the client had to decide whether to receive a lump-sum payment or a settlement plan. With the help of a structured settlement consultant, see why they determined a settlement plan was the right choice for his family.
Pension plans have been creating financial havoc for years. Volatile balance sheet liabilities, increased government fees, high professional fees and looming required contributions are causing sponsors to want to shed their pension plans. The answer to de-risking lies in the approach.
Every advisor needs a sustainable marketing strategy to win prospects. Pension Risk Transfer (PRT) marketing is one way to do it. We help you generate income in the defined benefit plan termination market by identifying prospects, accessing technical expertise, and deliver solutions.
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.
Clients selling a business or personal property may prefer to liquidate their investment without having all the proceeds taxable in the year of the sale. If so, they should consider selling their appreciated asset in exchange for a guaranteed income stream of periodic payments.
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.
When a client is 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. You can relieve some strains by recommending a structured settlement plan.