A few years ago your client set up a 401(k) Profit Sharing plan to help reduce their taxes, and at first it worked like a charm! But their business has grown, and so has their cash flow – and they are reeling from a large tax bill for 2017. Your client realizes that they need more - more tax deductions, and more retirement savings for themselves. You can help! Talk to your client about adding a cash balance plan in addition to the 401(k) plan they already sponsor. Adding a cash balance plan may be just what they need to help them increase deductions and retirement savings while reducing their corporate taxes. Learn more.
New Client-Approved Life Check Up Flyer
Check out the new client-approved flyer which gets customers thinking about changes that may have occurred since they last reviewed their coverage.Agents can send digitally to clients and prospects, or print for mailings. The flyer can be personalized with agent information at the bottom. Download flyer here.
Completing the Retirement Planning Puzzle: Where Long-Term Care Fits In
When we plan for retirement, many things are on our mind — replacing our income, growing our assets and setting aside money to travel and to enjoy a more flexible lifestyle. One thing that we generally don’t address in the retirement planning process, however, is the possibility that we may need long-term care some day or that we may end up being a caregiver for a spouse, parent or even a child. Read more.
Podcast: Multi-Generational Split Dollar with Richard Harris
People don't understand life insurance. That is the single biggest reason people don't get it.This 3-minute, 5-question quiz can be shared with clients and prospects directly or in this customer-approved email template. And don't forget that September is Life Insurance Awareness Month and a great time to reach out to clients and prospects about the basic needs for life insurance.
Weekly Economic Review and Outlook: Accelerating Inflation Takes a Break
The Consumer Price Index (CPI) rose by 0.2 percent in August, a bit less than market expectations of 0.3 percent — despite a 3.0 percent jump in gasoline prices. As a result, the 12-month trend change in the CPI slowed to 2.7 percent — still among the fastest readings of the past six years. Read more.
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A few years ago your client set up a 401(k) Profit Sharing plan to help reduce their taxes, and at first it worked like a charm! But their business has grown, and so has their cash flow – and they are reeling from a large tax bill for 2017. Your client realizes that they need more - more tax deductions, and more retirement savings for themselves. You can help! Talk to your client about adding a cash balance plan in addition to the 401(k) plan they already sponsor. Adding a cash balance plan may be just what they need to help them increase deductions and retirement savings while reducing their corporate taxes. .png)
Check out the new client-approved flyer which gets customers thinking about changes that may have occurred since they last reviewed their coverage.
When we plan for retirement, many things are on our mind — replacing our income, growing our assets and setting aside money to travel and to enjoy a more flexible lifestyle. One thing that we generally don’t address in the retirement planning process, however, is the possibility that we may need long-term care some day or that we may end up being a caregiver for a spouse, parent or even a child. 
Randy Zipse and guest, Richard L. Harris, CLU AEP©, get into an in depth discussion of the current legal considerations surrounding loan regime split dollar, especially in the multi-generational context. It’s a complicated time for these arrangements, which are still an exciting planning tool for people of high net worth. Listen in as Randy and Richard go into detail and help identify potential pitfalls so you can try to avoid future problems. Spoiler alert: involve an attorney! .png)
The Consumer Price Index (CPI) rose by 0.2 percent in August, a bit less than market expectations of 0.3 percent — despite a 3.0 percent jump in gasoline prices. As a result, the 12-month trend change in the CPI slowed to 2.7 percent — still among the fastest readings of the past six years. 
