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7 Ways to Turn $250,000 Into Retirement Income

With 10,000 baby boomers hitting retirement age every day, financial  planners are hearing a lot of questions about how to convert savings  into income while interest rates are at rock-bottom lows.   We  asked eight advisers the same simple question: What would you advise  someone who wants to turn $250,000 from their retirement savings into  Click to Continue

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Retirement and College Saving could be the same in Oregon

We have all heard the horror stories of individuals just not having enough to retire on.  Some of us are even leading characters in these stories.  The majority of Americans just do not know how to invest, or even save.  That’s where the state of Oregon could be changing things.  House Bill 3436 is a  Click to Continue

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Have you ever wondered why FMOs push one carrier on you?

Well the usual answers you tend to see if one or more of the following:   FMO is owned by the carrier.        FMO has exclusivity for distribution.       FMO makes the highest override for that carrier.   Here’s the deal, these FMO’s push those carriers whether they are the BEST fit for the client or not.  Does this  Click to Continue

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Annuities for Wealth Transfer

Annuities have evolved to serve various purposes.  They can provide benefits for LTC, Nursing Home, Unemployment, Lifetime Income, etc.  Today I want to focus on Wealth Transfer.  There are a handful of hybrids out there will provide a guarantee to your heirs.  It works exactly like your lifetime income riders, and the death benefit will  Click to Continue

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The Digital Client Experience Maximized

They say that computers can never completely replace humans. They may become capable of artificial intelligence, but they many never master real stupidity. An adviser must recognize that a client’s onboarding experience can affect how willing they are to do repeat business and make valuable referrals.  The faster and smoother an onboarding is done, the  Click to Continue

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Is Permanent the New Temporary after Cliff Deal?

They say that Congress has its own dating service just like E-Harmony  and Annuity Harmony except that no one in either party wants to pay. That certainly was validated with the recent Cliff deal which to use the now proverbial “kick the can down the road” to next Fiscal Cliff II, otherwise known as the  Click to Continue

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Three 2013 Resolutions that you can Prosper By

  The cartoonists, pundits, and fate followers will be poking their usual fun at the tradition of making New New year resolutions this weekend on Meet the Depressed and saucy tabloids. Despite all the ribbing, I have found they are quite useful in establishing a foundation of visions, dreams and goals for the year ahead  Click to Continue

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More Companies Simplify Annuity Process

UPDATE: More customers will be using Aplifi’s AFFIRM for Annuities system very soon. We’ve written before as insurance companies and financial groups start working with Aplifi to simplify the annuity application and regulation processes. Sammons Financial Group is the latest company using AFFIRM, according to Virtual Strategy Magazine’s “Sammons Financial Group Partners with Aplifi for  Click to Continue

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