A financial plan has many important pieces, but your client’s ability to earn an income makes everything else possible. People insure their homes, cars and personal property, yet fail to insure the thing that makes it all possible. See how to protect their income with disability insurance.

Every solid structure requires a solid foundation. So, why is it that a person’s income is so often overlooked when creating a strong financial plan? Disability Insurance can help create paycheck protection in case your clients' income is disrupted - even for a short period of time.

Clients who are philanthropic often own IRAs or other qualified retirement assets which carry potential tax problems. Naming a charity as the beneficiary of an IRA or including an irrevocable life insurance trust (ILIT) may provide a more tax-efficient wealth preservation plan.

Required minimum distributions from a retirement account can be used to fund insurance products – potentially offsetting or even eliminating taxes on the assets. In this case, purchasing a survivorship universal life policy created a 4x return in total legacy with charitable contributions.

Many things keep business owners up at night, including taxation and protecting against the loss of key employees. Corporate-owned life insurance (COLI) can help with both. In this solution, we'll look at COLI as an institutionally priced cash value life insurance product.

Start the conversation to help protect your business owner clients against the loss of a key employee. The business purchases life insurance or disability insurance on a key person and pays all premiums. Upon death or disability, the benefit is paid directly to the business.

With record low interest rates and record high estate exemptions, now is an unusually good time for high-net-worth clients to implement an estate planning strategy that shields family wealth from taxation. See how the numbers work with future taxes on the horizon.

Developing an exit strategy is a pressing financial challenge facing small-business owners. For businesses with more than one owner, the ability to successfully sell a business interest at retirement is often dependent upon the quality of their buy-sell agreement.

Rising costs, increased regulation and market volatility may prompt defined benefit plan sponsors to consider mitigating of pension risk. Settlement planning can reduce the risk on an underfunded plan, reducing plan liabilities and improve the funded status of a plan.

When a client is in an accident, the medical, financial and emotional concerns can be a huge burden. The uncertainties of rehabilitation and future earnings potential must be considered. You can relieve some strains by recommending a structured settlement plan.

Pension plans have been creating financial havoc for years. Volatile balance sheet liabilities, increased government fees, high professional fees and looming required contributions are causing sponsors to want to shed their pension plans. The answer to de-risking lies in the approach.

Every advisor needs a sustainable marketing strategy to win prospects. Pension Risk Transfer (PRT) marketing is one way to do it. We help you generate income in the defined benefit plan termination market by identifying prospects, accessing technical expertise, and deliver solutions.