A Tax Guide

Maximize Savings Opportunities, Minimize Taxes

Saving on taxes starts with planning, and the sooner, the better. Help your clients and prospects understand the importance of aligning their tax strategies with their financial strategies. This brochure covers important short- and long-term planning points, as well as tools and techniques for savings. In addition to learning more about maximizing credits, deductions, and exemptions, your clients and prospects will gain insight into how changes in legislation may affect their current tax situation and their future objectives.

Avoid Identity Theft

Safeguard Your Personal Information

While once a virtually unknown crime, the National Association of Attorneys General reports that between one-half and three quarters of a million people are now plagued by identity theft each year. This brochure provides insight on how it can happen, offers prevention and protections tips, and suggests steps to take if it does happen. Identity theft can be financially, as well as emotionally, devastating. Help your clients and prospects understand that a strong offense can be the best defense against identity theft.

The Benefits of Financial Planning

Prepare to Reach Your Goals

The earlier and more completely your clients and prospects master their money, the more likely they are to achieve a financially comfortable today and a financially secure tomorrow. Emphasizing the importance of partnering with a financial professional, this brochure covers all aspects of personal finance, including day-to-day money management, debt control, saving, insurance, college funding, retirement planning, and estate planning. Let your clients and prospects know you are prepared to help them reach their goals.

Business Succession

Plan for Continued Success

In today's competitive marketplace, it is tempting for many business owners to sideline planning for business succession as more pressing day-to-day business concerns take center stage. But, are they aware of the financial stakes? Help your clients and prospects learn more about protecting the continuity of their business. This brochure covers the essentials—choosing a successor, business valuation, business wills, buy-sell agreements, and estate planning. An early start always helps a successful finish.

Building Your Estate Plan

Tips for Getting Started and Staying Current

A well-structured estate plan is invaluable to people of all financial positions. While the process always raises questions and issues that are both difficult and emotional, it is one that when completed will offer the proper sense of emotional and financial security for your clients and their families. This brochure is the definitive tool with which to initiate the education process. It covers a wide range of topics that will help you and your clients address the important issues concerning how best to get started and stay current.

Dangers in the Home

Do You Know the Hidden Hazards?

Invisible. Tasteless. Odorless. Toxic. These are just a few features of potential hazards in homes across America. This brochure outlines the dangers of lead, carbon monoxide, radon, asbestos, and mold in the home, as well as safe steps to take should they be found. Help your clients and prospects learn more about these hidden toxins, as well as how to reduce or prevent exposure.

Employee Benefits

Strategies for Competitive Staffing

Staying competitive is a constant challenge for most businesses. When it comes to staffing, a winning compensation strategy can help your clients and prospects stay ahead of the pack. This brochure covers the many benefits employers can use to attract and retain employees, including group benefits, such as group term life insurance, health insurance, dental insurance, and disability income insurance, as well as retirement benefits, such as 401(k) plans, Simplified Employee Pensions (SEPs), and Saving Incentive Match Plans for Employees (SIMPLEs). Keep your clients and prospects in touch with the benefits of employee benefits.

Executive Compensation

Attract, Reward, and Retain Key Employees

Many companies owe much of their success to a few key employees—typically the brightest, most talented, most valuable and, often, hardest to replace. Offer your clients and prospects the opportunity to learn more about the important role executive compensation plans play in attracting, rewarding, and retaining key employees. This brochure discusses a wide variety of non qualified options, such as deferred bonus plans, Section 162 bonus plans, excess benefit plans, phantom stock plans, and split-dollar insurance arrangements, as well as popular qualified alternatives, including profit-sharing plans, stock bonus plans, and money purchase plans.

Estate Planning Strategies

Tax Minimization and Wealth Preservation

In order to plan for the future, your clients and prospects must consider it before it occurs. Help your clients and prospects learn more about estate planning strategies that can help them preserve wealth, minimize taxes, and distribute property to heirs according to their wishes. In addition to touching on the "ins" and "outs" of estate taxation, this brochure addresses useful planning tools and techniques such as wills, trusts, charitable bequests, and gifting programs. As your clients partner with you to incorporate their financial goals into their overall estate plan, this brochure will serve as an invaluable resource.

Fixed Annuities

Helping You Build Financial Security

In a world of economic uncertainty, many investors are seeking low-risk alternatives to protect their retirement resources and diversify assets. "Income for life" has never sounded so good. This brochure covers fixed annuities in depth—from tax advantages to payout options. Your clients and prospects will learn the valuable role annuities can play in their retirement plans.

Variable Annuities

Invest in Your Future Now

One of the major concerns for retirees and those actively saving for retirement is outliving their assets. Introduce your clients and prospects to the fundamental advantages of variable annuities. This comprehensive brochure emphasizes the benefits of professionally managed investment options, favorable tax treatment, and a variety of payout options. Your readers will also come away with a thorough understanding of guaranteed death benefits and the potential variable annuities have to outpace inflation.

Financial Planning for Women

The average lifespan of a woman in the 21st century exceeds the average man by almost seven years. Yet women still earn 20%-30% less than men for doing the same work.
As a result, there is a 90% chance that a woman will have to rely on herself for financial security at some point in her life. This brochure will help you guide them through proper planning and preparation.

Funding Your Retirement

Plan for Tomorrow, Today

For many people, retirement will last 20 years or more. In an era where Americans are living longer, healthier lives than ever before, identifying retirement goals and needs is a formidable challenge—hitting what amounts to a moving target. However, like any goal, funding retirement can be achieved with proper preparation. Help your clients and prospects explore their options, know their resources, and make a plan. This brochure brings the crucial issues to the forefront and will serve as a valuable resource as you and your clients develop strategies to achieve their goals.

Life Insurance

The Benefits of Protection and Preparation

Offer your clients and prospects the information they need to protect the financial security of their loved ones with life insurance. This brochure explores the life event triggers for purchasing and reevaluating coverage, as well as the many uses of life insurance, including funding the payment of estate taxes, charitable giving, and as a business tool.

Mutual Fund Investing

Guidelines for Choosing Funds

Millions of people around the world are investing in mutual funds. And, it seems there are an equally large number of funds from which to choose. For most people, the challenge is to understand their own investment profile and financial goals, and then to translate that information into a wise mutual fund selection. This brochure is a great tool for overcoming the formidable task of getting clients to gain a clear understanding of the benefits of mutual funds, as well as how their investment profile can match they types of funds available.

Personalize Your Portfolio

Plan for Your Risk Tolerance, Time Horizon, and Investment Objectives

"To thine own self be true," wrote Shakespeare. Sage advice for investors looking to personalize their portfolios. As market swings nurture lackluster confidence and future uncertainty, help your clients and prospects learn more about the fundamentals of investing and the value of long-term strategies. This comprehensive brochure covers the main asset classes, mutual funds, diversification, asset allocation, and dollar cost averaging, as well as the tradeoffs between risk and return.

Saving for Higher Education

Strategies to Keep Pace with Rising Costs

Ben Franklin once said, "An investment in knowledge pays the best interest." Whether your clients and prospects are planning for their own education, or their children's, proper planning can help fund the search for knowledge. This brochure outlines tools and strategies for saving based on educational goals and time horizons. Introduce your clients and prospects to popular savings vehicles, as well as helpful education tax credits and deductions. Starting now may save them money later.

Time Is Money

The Growth Potential of Your Money Over Time

Time is money. Three words that have a tremendous impact on everyone's financial well being. This is one brochure that should be a constant reference tool for any kind of financial planning, savings, or investment strategy. It comes complete with explanations, tables, and rules that demonstrate the power of compounding, dollar cost averaging, and determining real returns on investments. This is a "must have" for every one of your clients as they manage their financial plan.

Tax Relief Planning Now

Take Advantage of Today's Tax Breaks

Americans have experienced several historic tax cuts in recent years, with lawmakers delivering significant relief to both individual taxpayers and businesses. Help your clients and prospects wade through the details. This easy-to-understand brochure breaks down the major tax changes and emphasizes the importance of planning. Impress your clientele and maintain your competitive advantage by delivering the latest information on legislation that brings immediate tax savings, as well as planning opportunities.