Advice

New Designation Offered By Insured Retirement Institute Focuses On All Aspects Of Retirement Planning

The Insured Retirement Institute (IRI) has created a new designation that focuses completely on retirement planning. The Retirement Income Certified Professional (RICP) designation and it’s offered by The American College and you can get it online through videos and recorded interviews with top retirement specialists. The course also includes support materials and a study guide.

Do You Charge For Financial Plans?

As strange as it seems, there are some financial advisors who don’t charge for financial plans – even for brand new clients!  If you’re one of those advisors, you are selling yourself short.  

If Your Clients Have Not Saved Enough For Retirement, Understanding Social Security's Spousal Benefits Options Might Help

Many Boomers have failed to save enough money to support the type of lifestyle they’d like to lead during retirement. And although Social Security doesn’t provide nearly the amount of security it used to, there are ways to maximize your clients’ benefits, especially if they are married.

Supreme Court To Hand Down Decision That Will Allow Same-Sex Couples To Benefit From Estate And Income Tax Deductions

A US Supreme Court decision is in the making that will affect advisors to same-sex couples. The question is of extending the marital estate tax deduction to same-sex couples in states where it is legal for them to be married.

3.8% Medicare Surtax Will Add Selling Pressure In The Stock Market And Make Life Insurance And Annuities More Popular, Says Keebler

The 3.8% surtax is likely to add selling pressure in the stock market in the near-term and make life insurance and annuities more popular for the long-term. Those were just two of the emerging trends that will be reshaping the wealth management landscape for high-net-worth individuals in the months ahead, according to comments at a webinar last Friday by tax expert Robert Keebler.   Attendance was strong at the webinar, indicating that advisors know that the new surtax — part of...

Reminder: 60-Day Rollover Not Available To Inherited IRAs

A recent summary decision by the U.S. Tax Court serves as a reminder that inherited IRAs are not allowed the 60-day rollover period. Instead, once funds have left an inherited IRA, they cannot be placed back in, and they become subject to ordinary income tax.

Buying An Annuity So Assets Aren't Counted In Determining Medicaid Benefits Eligibility

In Morris v. Oklahoma Dept. of Human Services, the US 10th Circuit addressed whether an institutionalized spouse could buy an annuity for the benefit of the other spouse to reduce assets considered in determining Medicare eligibility.  The Court ruled in favor of Morris, concluding that an annuity meeting certain requirements can be purchased to convert countable resources into uncountable income.

Madoff And Stanford Cases Are Not The Only Kinds Of Fraud Advisors May Run Across: Existing Clients May Have Hidden Landmines, Especially During Divorce

The fraudulent stories that hit the media—Madoff, Stanford, and others—are not the only fraud advisors are having to deal with in working with clients. Messy divorces can contain hidden land mines and advisors dealing with clients who seemed to have happy marriages may find an entirely different scenario during a divorce.

Defaults on 401(k) Loans On The Rise: But This Is A Non-Issue for Clients of Advisors

Americans are increasingly borrowing from their 401(k) plans and increasingly defaulting on those loans, according to just published research. A report on 401(k) loan defaults says money being drawn out of retirement plans prior to retirement, what industry folks refer to as “leakage,” is a lot larger than a number of industry and government reports have indicated. In fact, leakage of funds in 401(k) plans due to involuntary loan defaults may be as high as $37 billion per year...

IRS: Self Employed Can Deduct Medicare Premiums

The IRS says Medicare premiums may be deducted under IRC Section 162(l) for coverage of the self-employed individual’s spouse, dependent or a child (as defined in section 152(f)(1) who as of the end of the taxable year has not attained age 27). In Chief Counsel Advise (CCA) Memorandum 201228037, issued on July 13, 2012, the IRS says self-employed individuals who failed to deduct Medicare premiums for prior years may file an amended return to claim the deduction.

How Changes In Volatility Can Impact Retirement Plans

Over the past two decades the finance industry has come to embrace dynamic analysis such as Monte Carlo. The increase in volatility in the stock market has made this necessary while the increase in computer processing power has made it feasible for all financial advisors. Many advisors use Monte Carlo analysis to demonstrate to their clients the probability that they will be able to meet all of their retirement goals. This has made retirement planning more informative and more realistic.

Advisers Mulling Adjustments In Anticipation of Pending Fiscal Cliff

Advisors don’t have crystal balls. They can’t predict whether the U.S. will fall of the fiscal cliff after Dec. 31, 2012. But many are either making or planning to make adjustments to their client’s portfolios should the scheduled spending cuts take effect and the Bush-era tax cuts expire later this year. Here’s a snapshot of what advisors and others are thinking about, suggesting, doing, or planning to do:

Nine Key Tax Rules That Will Affect Advisor Clients Now That The Supreme Court Upheld The Affordable Health Care Act

How will the Supreme Court decision upholding the health care bill affect your clients? Here are the nine key tax rules that financial advisors need to know about.

Niche Opportunity: Small Business Owners Who Are Disappointed With The Market Value Of Their Businesses

Baby Boomers are the largest segment of the population and have been since they became a generation. Now, they’re also the largest segment either retiring or approaching retirement. Many postponed retirement during the recession in hopes of getting a better price for their businesses after the recession was over. That’s not necessarily the way it’s happening.

Questions?

How and why does the Advisor Products system work?

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