| IRA Max, IUL Rate Multiplers, Two Sequence of Returns Items, and Two Business Concepts! |
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| Eschels Financial Group |
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| Cyndi Stern |
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| Business Succession Planning |
 Help clients ensure predictable and practical arrangements. With business owners, the opportunities for life insurance planning tend to be quite robust and often pertain to the part of the “lifecycle” the client’s business is in. Learn more. |
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| NEW IUL High-Fee/Large Multiplier Information |
 Securian has launched a new landing page, for financial professionals, containing all the tools and resources necessary to illustrate our IUL philosophy on AG49 and high-fee/large multiplier products. Click here. |
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| Managing Sequence-of-Return Risk with Whole Life |
 Investment returns are variable and, unfortunately, unpredictable. When planning for income, the sequence of positive and negative annual returns can have a significant impact on how long a portfolio will last — particularly if the portfolio is in the distribution stage and a set amount is being withdrawn from the portfolio every year. Low or negative returns in the first few years of retirement can significantly add to the possibility of portfolio ruin. Learn more from Lafayette Life here. |
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| Help Clients Plan Ahead for a Risk that is out of Their Control |
| Many clients are unfamiliar with Sequence of Returns risk and how it can impact their retirement savings, but the risk is real. Read this article to learn how an Income Advantage IUL policy can help your clients plan ahead, and use our Timing is Everything brochure to help explain this risk to your clients. |
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| Help Clients Maximize IRA Distributions to Increase their Legacy and Control |
 With IRA assets topping $9.3 trillion in 2018,1 chances are you have clients that may benefit from enhancing their stretch IRA strategy with life insurance. Our newly updated IRA maximization spotlight page is a resource that can help you explain how repositioning IRA assets inside a life insurance trust may help your clients:
- Minimize taxes while maximizing their legacy.
- Control distributions.
- Transfer assets outside of their estates.
Contact Symetra’s Life Sales Desk at 1-877-737-3611 for an illustration and see how you can help your clients leave more to their beneficiaries. |
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Eschels Financial Group
Cyndi Stern |
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Securities and Insurance Products:
Insurance Products are not insured by the FDIC or any Federal Government Agency.
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To prevent mailbox filters from deleting or hiding these messages and offers, please add cyndi@eschelsfinancial.net to your address book. |
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