EIAs/FIAs Commented on: 4 years ago (May 17, 2010)

Riders tend to drive a good deal of it.  It's all about using them to tailor a solution for a given situation.  For example, do you have a client that has money they probably won't need...

EIA's vs. VA's Commented on: 4 years ago (March 11, 2010)

N.D. wrote:Ice- Great explanation. To put it simple how about...$100,000 EIA = 80k in zero coupon bonds maturing at 100k + 20k in options potentially capturing upside of index - expenses.$100,000...

Gettin People Back in the Market Commented on: 4 years ago (March 8, 2010)

Quote:Quote:I like variable annuities. Sorry, but I consider an indexed annuity an act of theft. A VA allows the client to be in the market with a 5% guarantee. It is for income, and only a...

Chink in the armor of American Funds Commented on: 4 years ago (February 25, 2010)

Spaceman Spiff wrote:It's a love/hate relationship we have with American Funds.  You love the performance consistency with a lot of their funds, but hate the arrogance ("There are a lot of...

The definition of insanity. Commented on: 4 years ago (February 11, 2010)

I would look to innovate by increasingly using guaranteed insuarnce solutions as clients approach retirement.  There are fixed and indexed annuities that have 8% compound income riders....

Fixed Indexed Annuities Commented on: 4 years ago (February 11, 2010)

Fixed Indexed Annuities are simply fixed annuities which credit interest based on the performance of an index rather than a declared rate of interest.  Instead of paying the declared rate,...

American Funds vs others Commented on: 4 years ago (January 25, 2010)

As far as fund companies go, they are a good foundation, but they do have TONS of overlap - all large cap too.  It tends to make them a well managed index fund.  I would not recommend...

Qualified for EDJ Office - Have Some Questions Commented on: 4 years ago (January 20, 2010)

Two main criteria - they prefer a very visible location in a retail area and they want it to be as cheap as possible.  Other than that, they don't care.  Hence, the very smal offices...

Career Change Commented on: 4 years ago (December 30, 2009)

Given the scenario you described, she should look for a firm with very low minumum production requirements so she can take her time building her client base.  If this isn't a must have job or...

Seminar idea - Higher Tax/Interest Rates Commented on: 5 years ago (December 16, 2009)

The idea for the seminar isn't bad, but content is not what sells to clients with one big exception - creating urgency.  Whatever you choose to talk abou, your prospects need to ...

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