Wednesday, August 24, 2016

LIAM 2016 & AAAE


By Brianna Regan, Marketing Development Director 

2016 marks the 13th anniversary observing Life Insurance Awareness Month (LIAM) each September, an awareness campaign organized by the non-profit, Life Happens. 

Retirement Confidence Has Stalled Out: How To Jumpstart It

Retirement Confidence Has Stalled Out: How To Jumpstart It
By Richard Eisenberg

(Forbes)

Successful Selling: Multi-Generational Wealth… or Health?

By Mark Zinder

About the author: Mark Zinder was National Spokesman for Franklin Templeton and has worked with money managers such as Sir John Templeton, Michael Price and Dr. Mark Mobius. With 33 years of experience in the financial sector, Mark now travels the country as a speaker and coaches the top financial services professionals in the industry.

Recently, Ann Arbor Annuity Exchange invited Mark to speak at one of our producer events. Mark was happy to share one of his many ideas with our producers. One of his many skills is his ability to use stories to sell. We found his insight very valuable and thought to pass it on to you!


Why older Americans are working through their golden years

Why older Americans are working through their golden years
By Lisa Du

(MSN)

Your Clients: Less Financially Literate Than You Think

Your Clients: Less Financially Literate Than You Think
By Melanie Waddell

(ThinkAdvisor)

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Article may require (free) site registration to view. Contact AAAE for a copy if unable to access.

Wednesday, August 17, 2016

New Retirement Survey: Americans’ Top Three Retirement Fears

New Retirement Survey: Americans’ Top Three Retirement Fears

(IALC)

What Do You Put into Your Client Notes?

By Gissou Gotlieb, Field Suitability Compliance Officer

Most inventions seem like a good idea, initially, until they are not. The time it takes to go from good idea to bad is often imperceptible. While it may be exciting to learn of solutions that make our lives easier, it is also prudent to be familiar with the proper way of using the new solution and understand for whom it was designed.

Changing Broker/Dealers in a Changing Environment

By James Morris, Questar Branch Office Designated Supervisory Principal at Ann Arbor Annuity Exchange

Even in the best of times, changing broker/dealers requires a lot of time and many considerations. With the Department of Labor fiduciary rule applicability date of April 1, 2017, but facing numerous legal challenges that could change or overturn the rule, the financial services industry has entered a period of regulatory uncertainty. Broker/dealers are greatly affected by this uncertainty, and are taking different approaches to adapting to this changing environment. As a result, right now might be either the best of times to change broker/dealers, or possibly the worst of times.
 

Here are a few scenarios that you may be contemplating:

Wednesday, August 10, 2016

Understanding the Non-Qualified Aggregation Rule

By Joseph Jacobs, Senior Marketing Consultant

The non-qualified annuity aggregation rule is a lesson in tax awareness. While I’m not a tax professional, I want to shed some light on IRS Rule Sec. 72(e)(12) as a reminder of how taxation of annuity withdrawals may be treated in this specific scenario.

This simple retirement spending strategy takes on the 4% rule

Check out this interesting concept to see if it may be suitable for your clients.
- AAAE

This simple retirement spending strategy takes on the 4% rule
By Mary Beth Franklin

(InvestmentNews)

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Article may require free registration to view.
 
Annuities are insurance products designed to meet long-term needs for retirement income, and they provide guarantees against the loss of principal and credited interest, and offer the reassurance of a death benefit for noted beneficiaries. See product terms and conditions for specific details. For information on how different types of annuities work, including benefits, fees, terms and limitations, please contact your financial professional.

New Allianz Life Study Shows Strong Interest for Financial Solutions that Offer Opportunity for Increasing Income

New Allianz Life Study Shows Strong Interest for Financial Solutions that Offer Opportunity for Increasing Income
Allianz Life

LIMRA Secure Retirement Institute Predicts Indexed Annuity Sales to Exceed $60 billion in 2016

LIMRA Secure Retirement Institute Predicts Indexed Annuity Sales to Exceed $60 billion in 2016
LIMRA

IRI Issues First-Quarter 2016 Annuity Sales Report

IRI Issues First-Quarter 2016 Annuity Sales Report
By NAFA Staff

(Annuity Outlook Magazine)

Wednesday, August 03, 2016

Designed to produce: How to create the best workspace

Designed to produce: How to create the best workspace
By Kristen Beckman
(LifeHealthPro)

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Article may require free registration to view

Only 21% of us 'very confident' we can retire comfortably

Only 21% of us 'very confident' we can retire comfortably
By Robert Powell
(USA Today)

Social Security Bill Would Raise Retirement Age, Slow COLAs

Social Security Bill Would Raise Retirement Age, Slow COLAs
By Melanie Waddell
(ThinkAdvisor)

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Article may require free registration to view

Ice Bucket Challenge's 2nd anniversary celebrates its gene discovery

Ice Bucket Challenge's 2nd anniversary celebrates its gene discovery
By Farida Fawzy
(CNN)

So glad we participated in the #icebucketchallenge

The Benefits of Face-to-Face Client Meetings

By Matt Kaas, Life Marketing Consultant

With the significant advancements in technology over the last decade, it is not surprising that more and more financial professionals are using technology as part of their everyday practice. In fact, the ability for financial professionals to work remotely, be mobile, and constantly have up-to-date information at their fingertips has become the name of the game. 

Signatures, Dates, and Fines, Oh My!

By Gissou Gotlieb, Field Suitability Compliance Officer


 
As independent producers in financial services, you are likely in business for yourself or work for another small business owner. You may feel that you are the captain of your ship, and as such, you make all decisions, judgements, and executions. In your daily life, how do you view yourself and balance your different responsibilities? When at work, are you primarily representing the interests of your family since you have to put food on the table, your clients because they rely on your help with their financial goals, or the financial institutions because you are licensed/registered to represent them? While you have to juggle all of these responsibilities, how you respond to this question may be the key to what is your guiding principle in how you deal with legally gray areas in the course of doing business.