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Should your clients be using a traditional IRA or a Roth IRA? We’ve included the details, of who, what where and how as this is the season (tax time) to ensure your clients have the appropriate direction for their situation. There is no clear ‘winner’ between the two, it many all come down to what tax bracket your client thinks they will be in at retirement: higher now while working or jumping a tax bracket by retirement?
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Are you aware within Fixed Indexed Annuities and Indexed Life Insurance there are 100% participation in the various indices up to the caps? Are you aware there are uncapped (yes uncapped) index strategies allowing the client the full index performance less a spread? Why is any of this important? Because clients have told this industry after 2008 that they no longer can endure the wild rides with their money. They have firmly said they are aware they need some exposure to the non-guaranteed markets, but they now also know they must be more diligent with safety, as their individual lives are uncertain and when retirement happens often is not by choice but more by circumstance.
See the attached White Paper by Allianz Life Insurance Company “Reclaiming the Future”
Insurance companies have answered the call and developed solutions to these concerns. Both Life Insurance cash values and Annuities provide what may be unfamiliar to you and your clients- ask us!
Events For March
Ø Protective Life Insurance Company will join us in presenting a Life Insurance Workshop in our office locally on Tuesday, March 15, 2016 at 12 Noon to 1pm with Andy West, Regional Vice President. There are so many creative uses for Life Insurance from retirement supplement income, charitable giving, legacy planning, and more. Someone is asking your clients are their life insurance- why isn’t it you? A light lunch will be served at 11:30am. Please call our office to reserve your seat at 248-644-1144.
ØJoin us with Accordia Life Insurance Company and a Webinar on Thursday March 31, 2016 at 10am EST with Alex Duffy from Accordia as we discuss the Increased Participation for cash value growth within life insurance for a tax-favored addition to retirement monies. Register here at:
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When it’s time, join the meeting from here:
Join the meeting
When: Thursday, March 31, 2016, 9:00 am (1 hr), Central Daylight Time (Chicago, GMT-05:00).
Access Information
Meeting Number: 999 041 455
Password:(This meeting does not require a password.)
Audio Connection
1-515-393-3998 (External Access)
125000 (Internal Access)
Access Code:
999 041 455
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Looking for the latest 2016 tax summary guide? Download here
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How will you guide your clients and prospects this year with new ideas? As we have known and anticipated for the last several years, interest rates are now on the way back up, and retirement income will be affected if bonds are the primary source. Have you considered the importance of showing a client what a guaranteed income would look like, one that has the opportunities to increase as the index performs?
Eschels Financial Group Video: Get a Better Understanding of the Recent Changes with Social Security
The federal budget signed into law late last year made changes in Social Security that you and your customers should be aware of. To get yourself up to speed, watch this on-demand recording of Protective’s recent Social Security webinar. Watch as Jody Harris, a Social Security Consultant who spent more than 34 years working for the Social Security Administration, provides an overview of how the Bipartisan Budget Act of 2015 will impact Social Security filing strategies and what that means for your clients. Watch now.
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:
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