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- It has happened to many of us: we do great work for a client, solve a financial need, take care of the retirement planning and all is well. Until we see that client again for the annual review time, or they call us with a question on a different financial product that we didn’t discuss with them, and they are using another financial advisor or agent for that product. Why are they going to a 2nd agent when we could have sold it for them? They didn’t know our business included that product….. life insurance…. annuities…….. Many of us have had that moment, and we get angry at ourselves for the lack of branding our business more inclusively. How can that begin to change? Education. Training. Making your clients and prospects aware of your vast expertise. Fixed Indexed Annuities, for example, have been transformed since 2006 when clients suffered devastating losses in their 401ks and retirements accounts, and although many have bounced back, how do they capture their new gains?
You are cordially invited to our Fall Webinar Events for Annuities! Do you need a new idea? A new direction? A new market? Eschels Financial Group has planned a LOAD of webinars for your success building endeavors both for the 4th quarter and beyond. Register for as many as your calendar allows and that interest you. We have even added a new carrier for us, Jackson National Life on the Fixed Indexed Annuity side and will host a webinar on November 17th at 10am EST.
Ready? Here we go:
- One America has the Long Term Care solutions for your clients with lump sums of money. The sessions are 45 minutes in length. Please note you are with Eschels Financial when registering.
Topics covered:
1) Covering two individuals under one policy
2) Lifetime benefits and the advantages
3) Use of IRA, 401k, 403b to pay for LTC
4) Guaranteed Premiums
5) Covert NQ annuities to tax-free for LTC!
6) Options from age 20 – 85
7) Annual and single pay
- Fidelity and Guaranty Annuities (F&G): This is a strong carrier for retirement solutions and recently has rolled out a new Fixed Indexed Annuity on the line up. These 2 sessions are all different and will build upon each other, if your schedule allows, consider attending both.
November 10th Invites:
Please register for Fidelity & Guaranty Life Annuities – Eschels Financial Group on Nov 10, 2015 10:00 AM EST at:
Learn more about the Fidelity & Guaranty Life annuity portfolio.
After registering, you will receive a confirmation email containing information about joining the webinar.
Brought to you by GoToWebinar®
Webinars Made Easy®
December 3rd Invites:
Please register for Fidelity & Guaranty Life Annuities – Eschels Financial Group on Dec 3, 2015 10:00 AM EST at:
Learn more about the Fidelity & Guaranty Life annuity portfolio.
After registering, you will receive a confirmation email containing information about joining the webinar.
Brought to you by GoToWebinar®
Webinars Made Easy®
- Athene Annuity: A carrier with high caps, uncapped strategies for accumulation, income for life and impairment income doublers to answer the LTC fears in retirement. This webinar will include Fixed Indexed Annuity ideas for both the guaranteed retirement ‘that cannot be outlived’ and a strong, safe accumulation story.
Athene Annuity Webinar
Thursday, November 12, 2015
10:00 am | Eastern Standard Time (Indiana, GMT-05:00) | 1 hr
Meeting password: Athene1!
Meeting number: 744 277 762
Join by Phone
Call-in toll-free number (Verizon): 1-8668189721 (US)
Call-in number (Verizon): 1-2034801776 (US)
Show global numbers
Attendee access code: 120 932 07
Add this meeting to your calendar.
- VOYA Annuities: No longer called ING, this group has had a complete overhaul of their annuity offerings- very compelling and worth a new look!
This training will focus on:
Wealth Builder series with its industry leading annual point to point caps
Secure series with its unique, volatility control strategy
VOYA’s corporate profile with its strong position in the market place and corporate ratings upgrades
Jackson National Fixed Indexed Annuities–
Actual Start Time: Tuesday November 17th, 10:00am -11:00am | EST
a new carrier for Eschels Financial Group!
Many advisors know about the long history of safe money retirement investing and saving with this firm and now we have it to offer you– this kick off webinar will discuss the fixed indexed annuity platform, index blend choices with high caps and a brand name both advisors and clients recognize.
Type: Fugent CALL-IN
Dial-in: 866-469-3239
Passcode: 25543144
Host PIN: 25514563
Eschels Financial
Group
PRESENTS
FINANCIAL PLANNING FOR WOMEN
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If you’re interested in growing your business, having a plan to serve women customers is a great place to start.
Why? Women can be your best clients! According to a 2014 LIMRA study, they want financial advice more than men and are more concerned with their finances and achieving their financial goals.
Furthermore, women have unique financial concerns, including longer average life expectancies and more frequently serving as the primary caregiver for aging parents. Yet only 3 in 10 women currently use an advisor, and only one in three women have life insurance.
The economic opportunity for advisors with a plan to serve women customers is immense: the number of wealthy women in the United States is growing twice as fast as the number of wealthy men, and women control more than 75% of the financial resources in the United States. The future outlook is even brighter: women make up almost 60% of U.S. college students and earn the majority of doctorates and master’s degrees.
To help you more closely align your sales process with what women want so you can grow your business with them, I have assembled some fantastic resources for you below. Review and call me to talk about how you can make planning for women a larger part of your practice.
| The opportunity for advisors with a plan to serve women customers is significant: |
- Only 3 in 10 women are currently using an advisor
- Women-owned businesses account for $3 trillion of U.S. GDP
- Women own a third of all companies
- The number of women as primary breadwinners has tripled in the past 40 years
- They earn as much or more than their partner in majority of households
- On average, women live almost five years longer than men
- Women are more likely to serve as primary caregivers for aging relatives
- In 47 of the 50 largest U.S. metro areas, single, childless women in their 20s make more money than their male peers
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Resources to help you develop your practice with women:
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| Resources for use with Consumers:
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To learn more please contact Eschels Financial today!
Cyndi Stern
Phone: (248) 644-1144
Email: cyndi@eschelsfinancial.net |
The stock market can be an uncomfortable place for some clients.
Consider these three recent bull markets*:
- 1997-2000: Up 100% before declining 86%
- 2003-2008: Up 90% before declining 53%
- 2009-2014: Up 142%… where do you think the market will go from here? Now could be a great time to exercise a “correction protection” strategy for your clients by investing in the Protective Indexed Annuity II.
If you have clients nearing retirement who are concerned about another decline, ,help them exercise “correction protection” by taking their gains out of the market and investing it in the Protective Indexed Annuity II. This solution provides protected growth, opportunities for higher returns, and even offers secure retirement income with SecurePay SE, an optional withdrawal benefit.
Contact me now for more information:
Cyndi Stern – Marketing Director
Eschels Financial Group
(248) 644-1144, ext. 110
cyndi@eschelsfinancial.net
Is your client’s non-qualified annuity or qualified annuity where it needs to be?
According to Gallup’s 2009 survey of non-qualified annuity owners:
- 81 percent surveyed intend to use their annuity as a financial resource to avoid being a financial burden on children.
- 73 percent surveyed intent to use their annuity as an emergency fund in the case of a catastrophic illness or for nursing home care.
Make sure your clients’ annuities are aligned with their intentions.
The Pension Protection Act (PPA)allows for income tax-free withdrawals from specially designed non-qualified annuities to fund long-term care expenses, regardless of cost basis. By exchanging a current annuity for an annuity that qualifies for the PPA advantages, your clients can be matched with a vehicle that can meet their needs while providing a tax advantage. Of course, before any annuity exchange is made, all factors should be weighed to verify the client’s best interest.
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