Advisor Education & Training Center
Thanks for visiting the Advisor Education & Training Center, an educational platform designed to not only expose the financial and
insurance planning community to new strategies and sales ideas, but also provides direct access to the experts behind them.
Indexed UL with an Exit Strategy
⏲ 4 min read ⏲ Varying economic conditions cause permanent life insurance products to fall in and out of favor. That’s not much of a problem for new insurance policies, but for in force policies…
How to Use Your LTC Premiums to Reduce Your Tax Bill
⏲ 4 min read ⏲ While tax deductions are available to Long-Term Care Insurance owners the particulars point to a decision between modest tax savings today versus more significant tax savings in the long run.
Has “Style Drift” Fundamentally Changed the Indexed UL Value Proposition?
⏲ 6 min read ⏲ The far too narrow focus on outsized income projections in accumulation Indexed Universal Life products has caused advisors and clients alike to look past alternative product offerings that may more…
The Buy/Sell Cost Basis Conundrum
⏲ 5 min read ⏲ The recent discussion surrounding Stock Redemption Buy/Sell Agreements has been largely focused on clients who anticipate a future estate tax liability. While the driver of this conversation, the Connelly decision,…
The Connelly Decision “Easter Egg”
⏲ 4 min read ⏲ The unanticipated reversal of what was thought to be settled law seen in the Supreme Court’s Connelly decision puts all stock redemption buy/sell agreements at risk of insurance proceed inclusion…
Strategic Income from Downside Protected Life Insurance Products
⏲ 7 min read ⏲ A more thoughtful approach regarding when to take income from downside-protected insurance assets can make a massive difference in retirement outcomes for clients. In this case, it prevents the depletion…
Split Annuity Solution Turns $300,000 into over $625,000 Overnight
⏲ 2 min read ⏲ Retired clients have a primary fear: Outliving their assets. This strategy addresses that fear on two fronts: Providing a growth opportunity while creating a benefit pool to tap should they…
The Middle Ground Between a MYGA and an FIA
⏲ 3 min read ⏲ One of the fundamental elements of financial planning is matching client risk tolerance and time horizons to a suitable product solution. That can become challenging when the client’s true appetite…
Rescuing a Bank Loan from Rising Interest Rates
⏲ 5 min read ⏲ With the cost of capital increasing dramatically as interest rates have risen, many commercial loans now have terms that are far less favorable, if not punitive. Fortunately, clients with life…
Riding the First Wave of the Wealth Transfer
⏲ 3 min read ⏲ We often focus on the massive wealth transfer from baby boomers to their children and grandchildren. But the first—and often overlooked—step is what happens when one spouse, usually the husband,…
Solving the Executive Benefits Gap
⏲ 3 min read ⏲ In the business market, top performers often command a more robust suite of benefits than the rest of the company. Unfortunately for some, that is not always the case. In…
Planning for a Long-Term Care Public Option
⏲ 9 min read ⏲ Clients and advisors alike have Long-Term Care on their mind, and the legislative activity coming from the states may be the most effective “marketing” our industry could ask for. The…
