Sales Ideas
The Retirement Hierarchy of Needs, Part 1
I know this is cliche, but I’ve got to say it: This is a long post but it is well worth a read. This blog marks the start of a four part series on what we at Tarkenton Financial call the Retirement Hierarchy of Needs. The Retirement Hierarchy of Needs is a philosophy on how…
Read MoreSequence of Returns: A Closer Look
We are all familiar with the concept of ‘sequence of returns’ risk: the idea that the sequence in which the investor experiences returns in the early years of retirement is crucial to whether the investor will have enough money to last the rest of his or her life. We know that positive returns during the…
Read MorePositioning Annuities in the Midst of a Volatile Stock Market
These past few months in the markets have been a roller-coaster ride, with volatility spiking and many investors feeling like they have experienced financial whiplash. With emotions running high for investors who have received some pretty discouraging December brokerage statements, we as financial advisors need to determine how we can effectively communicate to them the…
Read MoreHit the Nail on the Hedge
In previous blogs, I’ve talked about the power of not losing money during down markets. We’ve all heard it a thousand times before, with fixed indexed annuities, “zero is your hero.” Well, what if I told you we could do even better? We all also know about the hedging concept, where you place a small…
Read MoreHow Much is that Annuity in the Window?
I’m sure you have seen all the promotional emails lately about products from a variety of our annuity carriers. A special limited time offer for a 30% premium bonus with Allianz; a 54% participation rate on the straight S&P 500 with American Equity; and other top carriers with annual point-to-point caps over 5%. All of…
Read MoreUgh….Millennials
As I near my 35th birthday, I reflect on the years that have brought me here and the years I have in front of me. I am, I hate to admit, a millennial. By two years. Millennials are defined by those born between 1981 and 1991. Millennials face a unique challenge when it comes to…
Read MoreHelp your clients transform their retirement with life insurance
Over and over again we hear it: “Buy term and invest the difference.” Although that can be an effective strategy for some situations, it does not help the client avoid the concern of rising taxes or provide any kind of cash value or retirement benefits. However, there is a life insurance strategy that solves that issue for…
Read MoreFocusing on the Big Picture with Annuities
Imagine going shopping for a new car. The car you own is worn out and tired, and you are tired of it. It long ago lost that new car smell. You are excited about the possibilities of what you might drive next, and so, armed with lots of information that you have read online about…
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