Many companies are focused on managing significant risks posed by their defined benefit plans, placing constraints on company performance. Here are five misconceptions that may prevent a plan sponsor from taking advantage of pension risk management solutions.

Clients selling a business or personal property may prefer to liquidate their investment without having all the proceeds taxable in the year of the sale. If so, they should consider selling their appreciated asset in exchange for a guaranteed income stream of periodic payments.

Yes, insurance solutions can work for fee-based advisors. Learn about an exciting fee-based indexed universal life product, exclusive to Ash Brokerage. With flexible premiums and a simple structure, this no-load IUL has one of the most transparent and low-cost solutions in the industry.

Three plans. One goal: help a business owner retain key employees. Moving from simple to more complex, these plans include and an endorsement split dollar plan, executive bonus plan with option to add restriction and defined contribution supplemental retirement plan.

Many Americans are "over allocated" to tax-deferred retirement assets like 401(k)s and IRAs, limiting future spendable income. The Insured Retirement Plan is contractually guaranteed against market losses and enjoys non-reportable tax-free income when accessed properly.

With flexible funding options, uncapped indices and and downside protection to eliminate market losses, IUL offers more than just a death benefit. Use the example in this flier to discover how to drive meaningful returns for your clients.

This is the sweet spot for LTC sales. Clients in their mid-50s are the most likely to purchase long-term care insurance because they are still earning income, but need to have a solid picture of how their retirement will look. See what to look for so you don’t miss a window of opportunity.

By planning “early” for long-term care, your clients can potentially save money – and make underwriting easier. Good prospects may have experienced a family member who needed care – or they are high-income earners who want to take a future LTC concern off their shoulders.

All the money in the world can’t buy good health. Your wealthiest clients have the same likelihood of needing extended health care as everyone else – and they know it. Don’t rule out these clients because you mistakenly think they can – or want to – self-insure for long-term care.

Arm yourself with 10 reasons why a business owner should be offering long-term care coverage for their employees. From raising productivity, to streamlined applications and payroll deductions, the message is the same: Employees need LTC coverage and offering it is easy.

Life insurance doesn't have to be an expense. With the right policy, it's a reallocation of future savings to a better return profile. If you look at the internal rate of return, it's hard to match, plus the return is guaranteed AND tax-free. See how to get the full benefits of life insurance.

Even for affluent clients, pre-funding death expenses with discounted dollars remains effective. Life insurance is uniquely able to deliver a specified pool of tax-free liquidity at exactly the time needed to cover final expenses, debt, liquidation, taxes, probate costs and bequests.