I have been trying to move some mutual funds of my clients into annuities recently.  I know (I’m pretty sure) the market will come back at some point, but I don’t know how long it will take.

  I've been talking to a few clients and prospects and basically saying, "You know, I'm not too sure this thing is gonna come roaring back like most people hope".   Sure enough, almost 100% of the people I've talked with have said, "I agree and I think other people are starting to realize that too".   Before we know it, it will have been 2 years since this thing cracked.  People are DONE with the same old same old.  If they hear "Hang in there, we're in it for the long run" anymore, I feel they will explode.    Those of you who are showing people different things than the typical wrap account, stock idea, whatever, will win HUGE business in 2009.  People are ready for change.