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Our concept library is primarily intended for financial professional use only and is not to be reproduced or shown to clients. For pieces to use with customers, check out the client-facing category. Client-facing pieces are subject to broker-dealer review.
Qualified longevity annuity contracts (QLACs) were introduced in 2014. Adoption has been slow due, but a QLAC remains one of the best tools to improve the probability of retirement success. See the results of our annual performance study and how it can help your business grow.
As your client turns 65, a lot of questions may rise in terms of Medicare and what their next steps should be. This piece offers a few simple questions that can help bring valuable insight and make this process easier.
Buy-sell agreements are frequently funded with life insurance, assuring that if an owner dies, the surviving family has a buyer with the cash to pay a fair price. Whether it's as stock redemption or cross-purchase agreement, it will help remaining owners retain control of the business.
Helping your clients think through what they want when it comes to long-term care is an important part of planning. Many have never thought about where they want to receive care or how they would pay for it. Give this form to your clients to get the conversation started.
Many clients are hesitant about planning for long-term care because they don't think they will need it. But, it's hard to argue with statistics. Show this piece to your clients to help them get the facts and discover why the long-term care conversation is worth having.
Many clients choose to take Social Security income early. Clients want their money as soon as possible, or have concerns about the future of the system. But, the timing of when benefits are turned on can have a big impact on retirement income.
Realizing how the need for long-term care may affect the workplace, smart employers are making themselves aware of what LTC is, how it works and how they can better help protect their employees. This executive summary will help business owners consider the options on the table.
Today, more than two out of three nursing home residents are women – making it critical for your female clients to have an LTC plan. Learn how this client used her nonqualified variable annuity with an income rider to retain her LTC coverage, reduce fees and protect her portfolio from spend-down.
Taxes get complicated. Retirement plans. Medicare. Social Security. Estate and gift taxes. Health savings rates. Tax rate schedules. This tax reference pocket guide is easy to keep with you, with the information you need to keep at your fingertips while planning with your clients.
Taxes get complicated. Retirement plans. Medicare. Social Security. Estate and gift taxes. Health savings rates. Tax rate schedules. Mileage rates. This tax reference guide contains all the information you need to keep at your fingertips while planning with your clients.
Don’t shy away from talking about disability insurance just because it’s not part of your normal client conversation. With Ash’s resources, get the expertise you need from start to finish. From training and plan design to case managers and placing more cases, we’ve got you covered.
Get your RICP® Designation: Just $1,417 (53% off tuition!) Through Ash's discount, you pay $2,290 upfront to The College, with a $837 reimbursement upon completion of the course and an active annuity carrier contract through Ash Brokerage.