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- It’s football season and 2015 is coming to an end…… everyone knows games are won or lost in the 4th Quarter. What’s your plan to win? You are cordially invited to our Fall Webinar Events! Do you need a new idea? A new direction? A new market? Eschels Financial Group has planned a LOAD of webinars for your success building endeavors both for the 4th quarter and beyond. Register for as many as your calendar allows and that interest you: some of the multiple webinars with the same carrier build on each other and are not repeat performances so, you can register for each one and learn something new each session. We have even added a new carrier for us, Jackson National Life on the Fixed Indexed Annuity side and will host a webinar on November 17th at 10am EST. There is something for everyone in our playbook!
Ready? Here we go:
- One America has the Long Term Care solutions for your clients with lump sums of money. The sessions are 45 minutes in length. Please note you are with Eschels Financial when registering.
Topics covered:
1) Covering two individuals under one policy
2) Lifetime benefits and the advantages
3) Use of IRA, 401k, 403b to pay for LTC
4) Guaranteed Premiums
5) Covert NQ annuities to tax-free for LTC!
6) Options from age 20 – 85
7) Annual and single pay
- Fidelity and Guaranty Annuities (F&G): This is a strong carrier for retirement solutions and recently has rolled out a new Fixed Indexed Annuity on the line up. These 2 sessions are all different and will build upon each other, if your schedule allows, consider attending both.
November 10th Invites:
Please register for Fidelity & Guaranty Life Annuities – Eschels Financial Group on Nov 10, 2015 10:00 AM EST at:
Learn more about the Fidelity & Guaranty Life annuity portfolio.
After registering, you will receive a confirmation email containing information about joining the webinar.
Brought to you by GoToWebinar®
Webinars Made Easy®
December 3rd Invites:
Please register for Fidelity & Guaranty Life Annuities – Eschels Financial Group on Dec 3, 2015 10:00 AM EST at:
Learn more about the Fidelity & Guaranty Life annuity portfolio.
After registering, you will receive a confirmation email containing information about joining the webinar.
Brought to you by GoToWebinar®
Webinars Made Easy®
- Athene Annuity: A carrier with high caps, uncapped strategies for accumulation, income for life and impairment income doublers to answer the LTC fears in retirement. This 2 part series will include Fixed Indexed Annuity ideas for both the guaranteed retirement ‘that cannot be outlived’ and a strong, safe accumulation story. This is a 2 part session and each webinar will hold different content. Consider registering for both sessions.
Athene Annuity Webinar – Part 1
Tuesday, October 20, 2015
10:00 am | Eastern Daylight Time (Indiana, GMT-04:00) | 1 hr
Meeting password: Athene1!
Meeting number: 744 277 762
Join by Phone
Call-in toll-free number (Verizon): 1-8668189721 (US)
Call-in number (Verizon): 1-2034801776 (US)
Show global numbers
Attendee access code: 120 932 07
Add this meeting to your calendar.
Athene Annuity Webinar – Part 2
Thursday, November 12, 2015
10:00 am | Eastern Standard Time (Indiana, GMT-05:00) | 1 hr
Meeting password: Athene1!
Meeting number: 744 277 762
Join by Phone
Call-in toll-free number (Verizon): 1-8668189721 (US)
Call-in number (Verizon): 1-2034801776 (US)
Show global numbers
Attendee access code: 120 932 07
Add this meeting to your calendar.
- VOYA Annuities: No longer called ING, this group has had a complete overhaul of their annuity offerings- very compelling and worth a new look! This is a 2 part series, so consider registering for both as the first session will be all information about their annuity products, and the second will be positioning ideas. (The second VOYA webinar will be on Nov 19th 10am EST and the registration link will be included in our newsletter in early October).
Dial in: 1 (213) 929-4231
Access Code: 305-230-064
URL: https://attendee.gotowebinar.com/register/1055874579751773698
This training will focus on:
Wealth Builder series with its industry leading annual point to point caps
Secure series with its unique, volatility control strategy
VOYA’s corporate profile with its strong position in the market place and corporate ratings upgrades
Join by Phone
Call-in toll-free number (Verizon): 1-8668189721 (US)
Call-in number (Verizon): 1-2034801776 (US)
Show global numbers
Attendee access code: 120 932 07
Add this meeting to your calendar.
Jackson National Fixed Indexed Annuities–
Actual Start Time: Tuesday November 17th, 10:00am -11:00am | EST
a new carrier for Eschels Financial Group!
Many advisors know about the long history of safe money retirement investing and saving with this firm and now we have it to offer you– this kick off webinar will discuss the fixed indexed annuity platform, index blend choices with high caps and a brand name both advisors and clients recognize.
Type: Fugent CALL-IN
Dial-in: 866-469-3239
Passcode: 25543144
Host PIN: 25514563
Eschels Financial
Group
SOCIAL SECURITY PLANNING AND EDUCATION
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Social Security provides a foundation of retirement protection for nearly every American. In fact, 97% of Americans aged 60-89 have or will receive Social Security benefits. And 65% of Americans will get more than half their retirement income from Social Security.
Not surprisingly, Social Security is very complex. There are over 2,700 rules associated with it. So it’s only natural that most Americans will seek out advice on how to best maximize and leverage their benefits. Advisors who aren’t prepared to offer advice should be concerned: 57% of clients expect their advisor to provide Social Security guidance. Of those, 93% said they’d leave an advisor who didn’t provide guidance.
Yet, only 33% of advisors are incorporating Social Security into their planning process. But don’t worry: Eschels Financial is here to help! We’ve collected some insightful statistics and the very best resources our carrier partners offer on Social Security and linked to them below. With these tools, you’ll be prepared to help guide your customers’ Social Security decisions and incorporate Social Security into your retirement planning process.
Review the materials at your convenience and call me when you’re ready to talk about incorporating Social Security planning into your practice!
Statistics about Social Security:
- 57% of clients expect their advisor to provide Social Security guidance
- Of those, 93% would leave an advisor who didn’t provide Social Security advice
- For 65% of retirees, Social Security represents more than half of retirement income
- 36% receive 90% or more of their retirement income from Social Security
- For 24%, it is the sole source of retirement income
- Social Benefits are modest: the average monthly benefit in June 2015 was $1,335 per month
- For someone who worked all of his or her adult life and retires at age 65, Social Security will replace about 40 percent of past earnings
- By 2017, this “replacement rate” will slip to about 36%
- More than 56 million Americans currently receive Social Security benefits
- The maximum monthly benefit for workers retiring at full retirement age in 2013 was $2,533
Social Security Resources:
To learn more please contact Eschels Financial today!
Cyndi Stern
Phone: (248) 644-1144
Email: cyndi@eschelsfinancial.net
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Why choose the Flooring Approach? Retirement Planning should not be uncertain; predictability and guarantees are a real result.
*https://www.youtube.com/watch?v=yuBfvW_IbUQ&feature=youtu.be&list=PLQ1r6787_R_fAIHHCw9wNGzutwm99j_MB
Talk with us about your next case; we can prepare ideas and show you a new solution not considered before or in a long time. Do you have a consultant behind the scenes offering the in depth, as needed, partnership for life insurance and annuities in your practice? You do now! Call us!
The stock market can be an uncomfortable place for some clients.
Consider these three recent bull markets*:
- 1997-2000: Up 100% before declining 86%
- 2003-2008: Up 90% before declining 53%
- 2009-2014: Up 142%… where do you think the market will go from here? Now could be a great time to exercise a “correction protection” strategy for your clients by investing in the Protective Indexed Annuity II.
If you have clients nearing retirement who are concerned about another decline, ,help them exercise “correction protection” by taking their gains out of the market and investing it in the Protective Indexed Annuity II. This solution provides protected growth, opportunities for higher returns, and even offers secure retirement income with SecurePay SE, an optional withdrawal benefit.
Contact me now for more information:
Cyndi Stern – Marketing Director
Eschels Financial Group
(248) 644-1144, ext. 110
cyndi@eschelsfinancial.net
Is your client’s non-qualified annuity or qualified annuity where it needs to be?
According to Gallup’s 2009 survey of non-qualified annuity owners:
- 81 percent surveyed intend to use their annuity as a financial resource to avoid being a financial burden on children.
- 73 percent surveyed intent to use their annuity as an emergency fund in the case of a catastrophic illness or for nursing home care.
Make sure your clients’ annuities are aligned with their intentions.
The Pension Protection Act (PPA)allows for income tax-free withdrawals from specially designed non-qualified annuities to fund long-term care expenses, regardless of cost basis. By exchanging a current annuity for an annuity that qualifies for the PPA advantages, your clients can be matched with a vehicle that can meet their needs while providing a tax advantage. Of course, before any annuity exchange is made, all factors should be weighed to verify the client’s best interest.
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