October 15, 2018

How to “Pensionize” any IRA 401(k)

Steve Vernon, FSA, Research ScholarStanford Center on Longevity When replacing defined benefit plans with defined contribution plans, it may not have been a good idea to ask ordinary workers to be their own investment manager and actuary. How will ordinary workers retire in a defined contribution (DC) world? How do they decide if they have… Read More

November 6, 2018

On Demand Training

Get the industry training you need to succeed. Click on any of the videos below to view. For questions or suggestions for future videos, email    Click here to return to main site. Running time: 27:00Description: Baby Boomers embrace face-to-face meetings with advisors and have a lot of worries on their minds as they move into retirement. Learn… Read More

October 24, 2018

Managing Risk with Fixed-Indexed Annuities

Wade D. Pfau, Ph.D., CFA The role of fixed index annuities in the pre-retirement years. The United States has experienced a low interest rate environment in recent years, leading to lower returns for fixed income assets. This creates unique challenges for those approaching retirement, as the practical impact of low interest rates is an increase… Read More

October 24, 2018

Is It Time to Harvest?

There is a season for everything, as the saying goes. I grew up on a farm in South Dakota and the seasons were pretty succinct or clearly defined.  My Dad planted corn and soybeans as soon as he could get in the field in the spring and after hopefully a summer of hot sun and… Read More

October 15, 2018

Opportunity Cost vs Opportunity Lost

Do you have clients sitting in savings, CD’s, and money market accounts? We hear way too often that clients are thinking rates will be going up so they want to stay liquid and just keep their money on the sidelines. So they’ll give up a fixed annuity rate of 3.40% today because they’ve heard that… Read More

October 11, 2018

Save Time with FireLight

October 1, 2018

Insurance that incentivizes longer, healthier lives

Now, all John Hancock life insurance policies will come with Vitality – a behavior change platform that rewards customers for the everyday steps they take to live longer, healthier lives. Built on the convergence of behavioral economics and consumer technology, John Hancock Vitality policies incentivize healthier choices linked to physical activity, nutrition and mindfulness. Vitality combines technology… Read More

October 1, 2018

One Size Does NOT Fit All.

In our business, selling annuities is the objective but serving our clients’ best interest is the goal. Therefore, when they come to us with a financial situation, we should find a suitable solution. We may not know the answer right away but we should at least know in what direction to look. Different scenarios warrant… Read More

October 1, 2018

Ben’s Corner: New Parenthood

Ben and his wife are enjoying the new journey and joy of parenthood!    

October 1, 2018

Insurance Works but How Will It Work for THIS Consumer

We know why insurance works and many consumers know why it does (in traditional ways) as well. The key to following through is finding out why it would work specifically for the client in front of you. We have to identify what motivates the buyer in front of us. Is their main goal not leaving… Read More