The life expectancy tables provide by IRS and other sources are dangerous to use.   These tables show, for example, that a 65 year old has 17 years to live.  While this is true, it’s the average life expectancy meaning that 50% die prior to age 82 and 50% die after age 82.  Therefore, using this [...]

There are billions of dollars “locked up” that you will never see.  These dollars are in real estate and stocks that your prospects and clients may even WANT TO SELL but they don’t.  They don’t sell because they will need to pay capital gains tax. So these billions of dollars are locked away from any financial [...]

If you are any type of financial sales professional, you must offer bank CDs to your prospects.  I know you can’t make any money offering and selling CDs but that misses the point.  In this economy, consumers , especially older consumers, want safety.  If you want to grow your business, OFFER PEOPLE WHAT THEY WANT. It’s [...]