The Hidden Risk in Relying on Back-Casted Index Data
⏲ 3 min read ⏲
Back-casted index data can make strategies look stronger than they ever were. The fix isn’t finding a better index—it’s resetting how you frame expectations.
Retirement Planning
A Practical Way to Manage Market Entry Timing in FIAs
⏲ 3 min read ⏲
A small adjustment at issue can turn a flat first year into a meaningful long-term advantage.
1035 Exchange or Surrender How to Make the Right Call When a Policy No Longer Fits
⏲ 3 min read ⏲
When an existing life policy stops doing its job, the decision isn’t automatic. Understanding when to exchange, when to surrender, and when to hold can unlock better outcomes for both clients and advisors.
How Recent Tax Legislation Can Be Applied Strategically in Business Planning
⏲ 6 min read ⏲Major tax legislation creates planning opportunities beyond deductions. Businesses that understand the implications can position themselves more effectively.
A Multi-Purpose Planning Tool That Solves More Than One Problem at a Time
⏲ 4 min read ⏲ Some strategies earn their place because they address multiple planning needs simultaneously. Understanding when a single solution can replace several moving parts simplifies planning and improves outcomes.
Can Insurance Play a Role in Managing Market Downside Risk
⏲ 5 min read ⏲ Insurance isn’t a replacement for investing, but certain structures can help mitigate downside exposure while preserving long-term planning objectives.
When Annuity-Based Asset-Based LTC Solutions Make Sense
⏲ 7 min read ⏲ Asset-based LTC isn’t one-size-fits-all. Annuity-based designs can offer predictable outcomes for clients prioritizing certainty and leverage.
Designing Indexed UL with a Clear Exit Strategy in Mind
⏲ 4 min read ⏲ Not every policy should be held forever. Building an exit strategy into indexed UL design helps manage risk and preserve flexibility.
Has Product “Style Drift” Changed How Indexed UL Should Be Evaluated
⏲ 6 min read ⏲ As indexed UL products evolve, their risk and reward profiles can shift. Advisors need to understand how style drift affects long-term expectations and suitability.
Finding a Middle Ground Between MYGAs and FIAs
⏲ 3 min read ⏲ Some clients want more than a MYGA but less complexity than an FIA. Understanding hybrid positioning helps fill that gap.
