Enhancing Income Stability Using FIAs

For retirees relying heavily on investments, market downturns could be a major concern. By incorporating a fixed indexed annuity (FIA) into your client's retirement strategy, you can ease their concerns and help them take advantage of tax-deferred growth.

Estate Tax Planning: Considering State Taxes Can Benefit Your Clients

You're probably aware of the federal state tax exemption sunsetting in 2026. But did you know that many states also have state estate taxes, which aren't going to sunset? Here's how one couple leveraged the tax-free death benefit of life insurance to pay the estate taxes and leave $3 million more for their heirs.

Using Disability Insurance to Protect Your Client's 401(k)

Employees without disability insurance often pull from their 401(k) accounts to cover expenses in the event of an injury or illness. This can have a long-term effect on their retirement. This strategy can protect your client's retirement assets while overcoming disability insurance's most common objection – the cost.

How an Annuity Audit Added Income and Reduced Fees

For clients who have older annuities they haven't looked at it years, an Annuity Audit could uncover products that better align with their needs. Here's an example of how one client switched to an FIA and increased her annual income by about $30,000, reduced her fees 52% and eliminated market risk.

Guarantee Your Client a Return Above 7% For A Portion Of Their Money

Combining an annuity with life insurance allows clients to collect a guaranteed income in retirement while providing a tax-free benefit to heirs. Annuity arbitrage can create guaranteed cash flow and a return of principal with a high internal rate of return.

The QLAC Strategy for Deferring RMDs

For clients not interested in taking RMDs at age 73, a QLAC can help. Defer IRA payments - and taxes - up to age 85.

Long-Term Care Strategy for Business Owners

For business owners, a long-term care plan can be a game changer – offering substantial tax advantages that individuals might not qualify for. Discover how leveraging their business's structure helped this couple enhance their financial planning and provide peace of mind for the future.

How to Fight Premium Fatigue

A cash value life insurance policy may have been a good fit for your client at the time, but needs often change – making them feel like they are paying premiums for coverage they no longer need. One way to fight the premium fatigue is to exchange the policy to fund their long-term care plan.

How an Annuity Audit Unlocks Hidden Potential

Clients who have an existing annuity might have changed their goals – putting their retirement and financial security at risk. By leveraging an Ash Annuity Audit, you can identify opportunities that will realign their assets with their objectives, optimize outcomes and fortify their financial security.

Crossing the Bridge: How to Fill the Income Gap Between Early Retirement and Maximum Social Security

Taking Social Security early can have potentially harmful effects on retirement income. But without a way to bridge the gap, it can be hard for clients to delay benefits. Discover how this advisor used a SPIA to secure the client's retirement while reducing taxable income.

Navigating the Nuances of Medicare

If you aren’t familiar with the ins and outs of Medicare, getting the right coverage can be a challenge. Learn how this advisor tapped into an expert and found a way to exchange his client’s Medicare Advantage plan to something that fit the needs of his changing health.

Free Up Assets with Annuity Audit

If your client is looking for a higher income payout in retirement than what their current annuity is offering, you need to consider other options. See how the Ash Annuity Audit can make the evaluation process simple and help you uncover more solutions.