Planning for the Three Phases of Life

Download Printable Article By Jason Oshins, Financial Advisor, MBA From a wealth planning context, life unfolds in three phases: wealth protection, wealth access and enjoyment, and wealth transfer and replacement. This article focuses on the role of life insurance in each of these phases. When approaching planning with an eye for the long-view, the decisions you make might be dramatically different. After all, context is everything. WEALTH PROTECTION Wealth takes time to accumulate. In this phase, while wealth is accumulating, life insurance protects the family from an unexpected premature death. Obviously, we can’t address the emotional component, but we have…

Financial Advisor: Attract Generation X & Y Clients

Download Printable Article By Mark Dreschler, President & CEO at Premier Trust and Deborah Erdmann, QKA, CISP, Vice President & Trust Officer at Premier Trust Attracting and retaining the Generation X & Y children of your current clients is an important strategy for a financial advisor to retain assets.  According to the Investment Management Consultants Association, only 2% of children keep inheritances with their parent’s financial advisor. As your core baby boomer client base continues to age and draw down assets, you’re probably already thinking of ways to generate new revenue. In this article we will discuss how to grow…

Creating Your List – Things to Talk About With Your Clients in 2015

It happens to all of us. We go to a wonderful conference; we see a great webinar; we read an important article – and then we plan to change the conversation with referral sources and clients. So, when the inevitable challenges of our personal and professional reality comes in, we end up singing the same old songs of wealth, estate tax, financial, and asset protection planning – thinking months later, where did the change in conversation go? Successful practitioners explain to us that the way their practice found stability and growth was through finding planning that they could execute on,…

An Evidence-Based Approach to Investing

Download Printable Article By Jason Oshins, Financial Advisor, MBA Evidence-based medicine is defined as “the conscientious, explicit, and judicious use of current best evidence in making decisions about the care of individual patients.”[1] If possible, wouldn’t it be prudent to approach investing similarly? Wouldn’t it make sense to apply the concepts developed by Nobel Laureates? Well, you can. Philosopher Alfred A. Montapert famously said, “Do not confuse motion and progress.” Motion also creates the illusion of control. An excellent example of this is in the investment world.   Wall Street perpetuates the notion that successful investing requires stock picking and market…

Our Top 10 Best Articles on Financial & Life Insurance Planning

As part of our December 2014 Newsletter, we are featuring a special “Best Of” issue.  Below, you will find a list of our Top 10 Articles on Financial & Life Insurance Planning.  These articles are written by a variety of financial and estate planning professionals, as noted below. Some Magical Aspects of Life Insurance by Jonathan G. Blattmachr & Matthew D. Blattmachr Insurance as the Key Ingredient of the “New” Estate Planning Summary of a Live Presentation by Martin M. Shenkman, J.D., CPA/PFS, MBA, AEP (Distinguished) Life Insurance from the Estate Planning Attorney’s Viewpoint by Steven J. Oshins, J.D., AEP…

Strength in Numbers

By Bert A. Cooper, CES | Volume 2, Issue 6 (June 2014) Can a solo Financial Advisor effectively offer all the expertise their clients deserve? While we’d all like to think we’re exceptional at what we do, the real answer is no. The most successful Advisors are those with a team behind them. I saw a growing need among clients for comprehensive wealth management and my vision was to build a cohesive team that consisted of specialists who offered these services exceptionally well.   In order to make this vision a reality I had to make a series of important strategic decisions….

Stock Market Forecast

By E. Dryden Pence III, CPM®, AIF®, LPL Registered Principal, CIO Pence Wealth Management Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. | Volume 2, Issue 5 (May 2014) Editor’s Note: This is one in a series of periodic market watch articles provided by E. Dryden Pence III, whose investment advisory firm Pence Wealth Management has been recognized as one of the top in the United States byBarron’s, Forbes and The London Financial Times. Bottom Line Up Front: We think the US stocks are currently in a secular bull market—meaning it has legs, not in months but years….

Where is the Stock Market Headed?

By E. Dryden Pence III, CPM®, AIF®, LPL Registered Principal, CIO Pence Wealth Management Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor. Member FINRA/SIPC. | Volume 2, Issue 4 (April 2014) Editor’s Note: This is one in a series of periodic market watch articles provided by E. Dryden Pence III, whose investment advisory firm Pence Wealth Management has been recognized as one of the top in the United States by Barron’s, Forbes and The London Financial Times. Bottom Line Up Front We are positive for 2014. We think the economy will continue to improve consistently. We believe the market is a…

The End of the Great Migration Into Bonds (Part 3 of 3)

Allocation Risk Budgeting for Equities By Jeffrey Dunham, Financial Advisor | Volume 2, Issue 3 (March 2014) This is the final installment of The End of the Great Migration into BondsSM article series. In January, we began the series with a discussion about a turnkey marketing campaign that provides FINRA-reviewed sales and marketing tools designed to allow financial advisors to focus on the vast amount of assets currently held in bonds. Last month, we examined “Allocation Risk Budgeting for Income”, which is a way to show your prospects and referrals how you might manage the risk they are taking within their fixed income…

The End of the Great Migration Into Bonds (Part 2 of 3)

Allocation Risk Budgeting for Income Overview By Jeffrey Dunham, Financial Advisor | Volume 2, Issue 2 (February 2014) As The End of the Great Migration into BondsSM continues, fixed income investors may experience detrimental consequences to their bond investments as interest rates rise. For investors who depend on the distributions from their bond funds, the challenge will be maintaining a proper level of income while providing relative protection of their principal. In last month’s issue of The Ultimate Estate Planner’s newsletter, we introduced you to a turnkey marketing campaign designed to allow financial advisors to focus on the vast assets currently held in…