Saturday, December 27, 2014

End of the year Charitable Planning for 2014

Year end charitable giving can be an excellent tax saving planning strategy. But several charitable strategies also generate income back to the donor. Whether the donor is a middle class giver or an affluent philanthropist, charitable giving strategies and tactics can serve both donors and charitable organizations. In the episode, the basic explanation of charitable giving is laid out to give viewers an opportunity to learn from the experts in this field. Syndicated financial columnist and talk show host Steve Savant interviews financial authors and speakers Mike Kilbourn, CLU, ChFC and Ron O'Dell, CFP on end of the year charitable planning for 2014.

Saturday, December 20, 2014

End of the Year Income Tax Planning for 2014

Year end tax planning is really important if you believe in using every deduction, exemption and tax credit available under the IRS code. Careful planning can yield thousands in tax savings. And with many Americans looking for Obamacare subsidies for health premiums, reducing modified adjusted gross income (MAGI) is the key. Syndicated financial columnist and talk show host Steve Savant interviews financial authors and speakers Mike Kilbourn, CLU, ChFC and Ron O'Del, CFPl on end of the year tax planning for 2014.

Saturday, December 13, 2014

The New Prosperity Economics

Registered Investment Adviser Kim Butler talks about the basic principles of prosperity. The first step is to be thinking in a prosperous mindset. People who have experienced scarcity have trouble moving to a positive thought life, especially regarding money. Second is seeing your money correctly means integrating the impact of anyone financial product purchase on your overall finances. Third is measuring the opportunity cost of using money. Fourth is creating cash flow, a major indicator of prosperity (not net worth.) Controlling your money is beyond owning your financial accounts. It's taking control of your money from the government, financial institutions and advisers. Money is usually in stagnation, not in motion. Running your money through your life and not accumulating it will bring more prosperity. This concept may be the most antithetical idea to conventional money wisdom presented by Kim. Multiple the utility of your money not add to it, i.e. 3x3=9, not 3+3=6. Syndicated financial columnist and talk show host Steve Savant interviews controversial author and registered investment adviser Kim Butler over her contrary views of retirement. Her books include Busting the Financial Planning, Busting the Retirement Lies, and Live Your Life Insurance.

Saturday, December 6, 2014

How to Maximize Medicare in Retirement



Product allocation of certain insurance based options, HSA Accounts, Roth IRAs & reverse mortgages provide tax-efficient income sources. An artfully crafted retirement plan by a qualified adviser can use these ideas in a coordinated effort to maximize your retirement dollars for the best net after tax spendable income.

Working these ideas in concert with each other can lower the household tax bracket and, in turn, lower premium tier for Medicare Part B & D. Employing bracket-bumping control for Roth IRA conversions can maximize tax efficiencies. It may even help avoid the 3.8% Medicare Surcharge-Tax.

Syndicated financial columnist and talk show Steve Savant interviews author, platform speaker and nationally recognized retirement expert Curtis Cloke, adjunct professor at the American College. http://youtu.be/aQFcav0W5L4

Saturday, November 29, 2014

The Bucket List of Retirement



Syndicated financial columnist and talk show host interviews author, platform speaker, MDRT and Top of the Table producer Curtis Cloke on the retirement bucket list.

Curtis talks about managing taxes in retirement to generate more net after tax income for more cash flow in retirement. The order of distributions from each bucket really matters in spendable income in retirement. There are significant planning strategies that can deliver greater income for retirement.

Curtis talks about "everyday is Sunday," describing the experience of retirement. Most retirees enjoy the "honeymoon period" at the front end of retirement, but then they long for a sense of purpose, an activity that brings real meaning their lives.

Saturday, November 22, 2014

Required Minimum Distributions in Retirement

Required Minimum Distribution are mandatory at age 70 1/2 for all qualified plans. This new QLAC (Qualified Longevity Annuity Contract) product allows a deferral of distributions up to 25% of qualified plan holdings not to exceed $125,000 per retiree to age 85.

This new regulation could dramatically change your retirement planning and may save retirees tax dollars by delaying their require minimum distributions. The deferral aspect on accumulations may be dramatic, especially if the retiree lives past life expectancy.

Syndicated financial columnist and talk show host Steve Savant interviews annuity product expert Mike McGlothlin on the impact of qualified longevity annuity contracts.

Saturday, November 15, 2014

How Long Term Care Can Stretch Your Retirement Dollars

Living a longer, active life in retirement is far different today than it was in the 40’s or 70’s. Life expectancies were shorter. Social Security played a much different role in retirement then than it does today. You have worked hard to secure a healthy nest egg; you deserve to protect it and to protect your lifestyle. Insurance options today, just like social security, are vastly different than they were decades ago. If you have stayed away from Nursing home insurance, congratulations! That’s old news and no one wants to go to a nursing home. What’s available today is Care Insurance and it comes in many forms. Gone are the days of one type of insurance. Many consumers today are gravitating to solutions that cover multiple risks. Long term care, legacy assets, income stream….you design it as you want it. You can pick from life insurance or annuity strategies that cover any level of care you need!

If you have already made the decision to save rainy day funds for an emergency, you should know about the leveraging power your existing assets have to create a larger rainy day fund. A 60 female who has an income distribution of $10,000 a year can use that distribution to create nearly a $450,000 benefit for long term care. By making annual premiums for 10 years not only is a $450,000 ltc benefit available but if care is never needed the clients heirs will receive $150,000 in a life insurance benefit. Premiums are guaranteed never to go up and you have a return of premium guarantee once all payments are made. At age 70 a fully funded long term care solution, to be used in multiple settings!

Syndicated financial columnist and talk show host Steve Savant interviews nationally recognized long term care author and expert Maria Sarci.

Saturday, November 8, 2014

Why Long Term Care is Essential in Retirement

People are living longer. As recent as 2011 the average life expectancy was 80 years. There are 43 million Americans today over age 65. Currently, there are approximately 55,000 centenarians in the U.S., according to the U.S. Census Bureau. That number is projected to grow to 442,000 in 2050. According to a new study conducted by Caring.com, nearly half of family caregivers spend more than $5,000 a year on expenses associated with providing care. Of those spending more than $5,000, 16% are seeing costs of as much as $9,999 while 11% are spending as high as $19,999 and 5% are absorbing out of pocket expenses of as much as $49,999. There are two choices to make. Take on all of the risk of a longevity expense or shift some of that risk away. Go out and ask your financial advisor about what options you have to leverage your hard earned money and to protect your retirement. Protecting you retirement is as much about protecting your lifestyle as it is your financial wealth.

Why does LTC planning make financial sense? Using LTC Insurance, a $240,000 LTC pool of money is available today for a 60 female by paying annual premiums of $4500. In 20 years when that 60 year old is 80, the LTC pool would have grown to $450,000. If instead our 60 year old decided to invest her money so that in 20 years she has the same $450,000 of benefit available she would either have to ensure a 4% after tax return on a deposit of $187,000 or annual deposits of $13,000 a year for the next 20 years! To look at this another way, if our 60 year old female invests the $4,500 of premium she would have paid for a LTC policy over 20 years, she would essentially purchase 468 days worth of care. By shifting the risk to the insurance company, her $4,500 of premium actually creates 10x that amount or 1,460 days of care or 4 years’ worth of care available today!

Syndicated financial columnist and talk show host Steve Savant interviews nationally recognized long term care author and expert Maria Sarci.

Saturday, October 25, 2014

Steve Answers Consumer Questions



Syndicated financial columnist and talk show host answers consumer questions on a range of subjects.

Steve is the host of Steve Savant's Money, the Name of the Game. His content has appeared on social media, financial web sites and secular media such as CNN, FOX, ABC, CBS. Steve's show is sponsored by Ash Brokerage, the largest independent wholesale distributor of insurance products in the country.

Saturday, October 18, 2014

Vetting an Adviser Online



Online investigations of financial advisers or insurance professionals can start at broker check if they're security license. But it may not disclose enough information to make an educated decision on selecting someone to help you with your money. Online social media has several portals that financial professionals use like Google Plus, Face Book and Twitter. However, the most revealing information is generally found on LinkedIn.

Syndicated financial columnist and talk show host Steve Savant interviews Millennial marketer Jeremiah Desmarais, award winning business growth strategist and digital marketing guru.

Saturday, October 11, 2014

The Psychology of Money with Dr Jack Singer

In this episode, The Psychology of Money, syndicated financial columnist and talk show host Steve Savant interviews sports psychologist Dr. Jack Singer and author of The Financial Advisor's Ultimate Stress Mastery Guide on Amazon.com Dr. Jack has been a special guest on ESPN Sports, CBS Sports, The Glen Beck show and many other media channels.

Saturday, October 4, 2014

Social Security, America's #1 Retirement Plan

Retirees are unaware of the full benefits of Social Security income. And a significant portion of the retirement population is not only unaware of the full benefits, but unaware of how to access them. Syndicated financial columnist and talk show host Steve Savant interviews Social Security strategist and expert Brian Doherty, author of Getting Paid to Wait (Bigger Social Security Benefits, the Simple and Easy Way)

Saturday, September 27, 2014

Business Solutions for Today's Business Challenges

Business owners lament the fact of that they haven't done comprehensive planning in their companies. They're searching for advisers that can address the daunting task of comprehensive business planning. Syndicated financial columnist and talk show host Steve Savant interviews business planning expert Sherry Flint, CLU on the virtues of business planning.

Saturday, September 13, 2014

Is Life Insurance a Good Retirement Plan Option

Many American retirees are looking into tax advantaged income strategies to stretch their retirement dollars. Tax free life insurance can be an option, especially in tandem with Social Security benefits.Syndicated financial columnist and talk show host Steve Savant interviews insurance product expert Mike McGlothlin on the virtues of tax free retirement planning with life insurance.

Saturday, September 6, 2014

Is selling my life Insurance policy a good idea?

Seniors are looking to be smart with their money in retirement. Sometimes money can be found in life insurance policies that are no longer needed. Depending upon one's life expectancy, a life insurance policy could have an attractive selling price to investors. Steve Savant interviews Darwin Bayston, President and CEO of the Life Insurance Settlement Association.

Saturday, August 30, 2014

Is An Indexed Annuity Worth It?

One of the key features of an indexed annuity is the protection against market losses. That's a significant value to most consumers. But currently, no indexed annuity pays dividends. Is the trade off worth it? Steve Savant interviews Mike McGlothlin on the virtues of indexed annuities and their place in retirement planning.

Saturday, August 23, 2014

Rescuing Retirement Plan Participants

Many older Americans are in defined benefit plans. Some of these plans are reporting shortfalls from underperformance or underfunding. And most of these defined plan deficits don’t take into account longevity risk of the plan participants. Retirement plan expert, Steve Pilger is interviewed by Steve Savant, syndicated financial columnist and talk show host of Steve Savant’s Money, the Name of the Game.

Saturday, August 16, 2014

With Taxes Going Up Is it Time to Get Down with Deferring Compensation



With taxes on the rise, many highly compensated executives are deferring a portion of their compensation into the future in hopes of lower tax brackets 5 to 10 years from now. Using deferred compensation arrangements may reduce a full tax bracket, saving thousands of dollars in ordinary income tax. Online syndicated financial columnist Steve Savant interviews nationally recognized business expert Sherry Flint, CLU on Steve Savant's Money, the Name of the Game.

Saturday, August 9, 2014

What advisers need to know when 'selling' a home



Many advisers are the quarterback of their clients financial concerns. Most of them have little knowledge of home evaluation and settlement sheet items for taxation. But for many Americans, their home is their largest asset. The vast majority of advisers generally outsource their client's questions and concerns regarding their home to realtors in their community.

But more advisers are learning the basics to be able to give advice and interact with the realtor counterparts. Steve Savant interviews Mike Bodeen veteran realtor on the critical aspects of selling a home on Steve Savant Money, the Name of the Game.

Saturday, August 2, 2014

What Advisers Should Know About Buying a Home

For most Americans, their home is their largest asset. Buying a home is one of the most critical financial decisions anyone can make, especially if it's their retirement home.

Knowing the aspects of buying a home can add real value to advisers, who are quarterbacking their client's financial concerns. But most advisers don't know the basics. Online syndicated financial columnist Steve Savant interviews veteran realtor Mike Bodeen on a crucial check list of items every adviser needs to know. The adviser that has a handle on buying a house will hold the purse strings of the household.

All on weekly consumer talk Steve Savant's Money, the Name of the Game.

Saturday, July 26, 2014

Most Americans Largest Asset is Their Home

Many financial advisers have a wealth of knowledge on investing assets and insurance coverage, but little understanding on their client's home. And for most Americans, their home is their largest asset.

Everyone wants an energy efficient home. No one wants to pay high utility bills. But it seems so expensive to spend real money on a ten year payback. But in the new eco-economy you may be able to receive significant financial assistance with efficient appliance manufacturer and utility rebates, even federal and state energy tax credits. Solar power may actually pay for your electric utility bill and wind up creating an annual check back to you for generating electricity back to the utility grid. Advisers who know these tax credits and rebates will also control the purse strings of the entire household. Steve Savant interviews hybrid home expert Cheryl King on Steve Savant's Money, the Name of the Game.

Saturday, July 12, 2014

The 5 Consumer Fears of Retirement



Retirement is advertised as a reward for a lifetime of hard work and a leisurely lifestyle in your golden years. But many seniors have apprehensions about outliving their money, losing control of their money, rising inflation, making a financial mistake and whether or not they can leave any money to family or charities. Online syndicated financial columnist and talk show host Steve Savant interviews nationally recognized retirement expert Curtis Cloke for answers that can alleviate those fears.

Saturday, July 5, 2014

Funding Alternatives for Retirement Income - Steve Savant's Money, the Name of the Game



Interest rates continue to remain low. Traditional saving instruments reflect the low interest rate market. Many savers and investors are seeking better yields, but desire low to no risk. The structured cash flow settlement marketing may be a viable option for qualified clients. Certified Financial Planner Joe Hipp is interviewed by Steve Savant, syndicated financial columnist and talk show host featuring Structured Cash Flow Settlements on Steve Savant' Money, the Name of the Game.

Saturday, June 28, 2014

Middle America Money Management



Purchasing insurance coverage to protect your assets and family members is a part of daily life in America. Buying the right policy for the right price is an extremely important financial decision. But most policies are written in lawyer language and can be difficult to decipher. In this episode, insurance attorney Ilya Lerma is interviewed by Steve Savant, syndicated financial columnist and talk show host. Ilya walks you through the basics to help give you some understanding on policy provision.

Saturday, June 21, 2014

Consumer protection when purchasing insurance products



Wealthy and affluent Americans generally have access to the brightest minds that money can buy when it comes to managing their finances. But America is predominately middle class, and those people may be the most underserved by financial advisors. Nationally recognized Middle America financial expert Jim Silbernagle is interviewed by Steve Savant, syndicated financial columnist and talk show host, on "Steve Savant's Money - The Name of the Game."

Saturday, June 7, 2014

Consider creating a captive insurance company



Creating a captive insurance company may be a great strategy for businesses that manage their insurance risks and profit from the tax advantages, premium discounts and portfolio management. Steve Savant, syndicated financial columnist and talk show host, interviews nationally recognized captive insurance expert and author Wes Sierk.

Saturday, May 31, 2014

Annuities in Retirement

The retirement market is adopting guaranteed income annuities as a fundamental of financial security for seniors. Shopping for blocks of income with inflation features can build a solid foundation to meet household expenses during retirees' golden years. Nationally recognized annuity expert Mike McGlothlin is interviewed by Steve Savant, syndicated financial columnist and talk show host on Steve Savant's Money, the Name of the Game.

Saturday, May 24, 2014

Five consumer risks in retirement



The golden years are fraught with risks that can take the enjoyment out of retirement, and human longevity is No. 1. Health care expenses can eat away at cash reserves. Inflation can erode the purchasing power of your retirement dollars. Withdrawing income during a down market and market volatility can contribute to an insecure retirement. Online syndicated financial columnist and talk show host Steve Savant interviews nationally recognized retirement expert Curtis Cloke, who offers solutions to those risks.

Saturday, May 17, 2014

Disability insurance may be the most important



Paycheck protection and retirement contribution coverage are highly sought-after benefits for key executive employees. Insuring their earning power and retirement funding are critical components of career-minded managers. Steve Savant, syndicated financial columnist and talk show host, interviews nationally recognized disability insurance expert Tim Kukieza on this episode of "Steve Savant's Money -- The Name of the Game."

Saturday, May 10, 2014

The greatest gift you can give your mother



Can long-term care insurance be a Mother's Day gift? After all that mom has done, securing her comfort and dignity in later life is a gift that can extend her independence and maintain a reasonable lifestyle as she grows older. Nationally recognized long-term care expert Maria Sarci is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Steve Savant's Money -- The Name of the Game."

Saturday, May 3, 2014

Why consumers need a second opinion

Consumer advocates require standards for full product disclosure. Retirement plans and the securities which fund them disclose the expenses. Investors and savers alike desire to know the costs involved when purchasing financial and insurance products. Educating consumers is empowering them. Getting a second opinion that compares costs can help determine a product's value. Nationally recognized product due diligence expert, Barry Flagg, CFP, CLU, ChFC, is interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Steve Savant's Money -- The Name of the Game."

Saturday, April 26, 2014

The life settlement option for seniors

There is little doubt that retirement resources may be strained for most seniors. Personal property like a life insurance policy may not be viewed as a cash asset by a retiree. However, it could be a backstop or cash reserve to supplement shortfalls in retirement income. Currently, the inventory of life insurance policies is low, and the demand in life settlement is high. Reviewing in-force life insurance policies may generate the income seniors are looking for. Life settlement experts Erez Rotem and Alex Sirotkin of Integrity Life Solutions, LLC, are interviewed by Steve Savant, syndicated financial columnist and talk show host, on this episode of "Steve Savant's Money -- The Name of the Game."

Saturday, April 19, 2014

Tax Investment Strategies



The U.S. debt clock is ticking faster with each trillion-dollar milestone it passes. One thing is for sure: With out-of-control spending, taxes are going up and not just for the rich, but also for middle class. A further exacerbating problem is that 47 percent of Americans don't pay federal income tax.

Online syndicated financial columnist and talk show Steve Savant interviews Ken Davis about tax investment strategies that can reduce exposure to the high marginal tax bracket and the Obamacare surtax.

Saturday, April 12, 2014

New Strategies to Reduce Taxes



The vast majority of financial planners know the tax law changes that have occurred over the last quarter century. But are we using the old tax methodologies to manage taxation today? That was then. This is now. It's no longer just about exemptions, deductions and credits. It's about adding tax advantaged products to create more spendable income for our clients. Nationally recognized product taxation expert Ken Davis is interviewed by Steve Savant, syndicated financial columnist and talk show host, on "Steve Savant's Money - The Name of the Game."

Saturday, April 5, 2014

Lifetime Income You Can't Outlive

The #1 risk in retirement is living too long. The impact of extended longevity can deplete retirement accounts and increase long-term care needs. It's time to take longevity risk off the table with mortality products like annuities. Nationally recognized annuity expert Mike McGlothlin is interviewed by Steve Savant, syndicated financial columnist and talk show host on Steve Savant's Money, the Name of the Game.

Saturday, March 29, 2014

Vetting an advisor

There are conventional approaches for gathering background information to assist in the selection of a financial advisor, including broker check and the state insurance department. And many advisors are using social media, which can display valuable information on their personalities, their backgrounds and sometimes even their approaches to finances. But most consumers are looking for a broad knowledge base, access to a wide variety of products and honesty from their advisors. Consumer expert Tom Carolan talks about the key characteristics of selecting an advisor.

Saturday, March 22, 2014

The bucket list in retirement

There are three classes of money: Pre-tax dollars, after tax dollars and tax-free dollars. The distribution sequence can really stretch your retirement to generate more spendable income so you can afford your retirement bucket list. Online syndicated financial columnist and talk show host Steve Savant interviews nationally recognized retirement expert Curtis Cloke to talk about more spendable money in retirement.

Saturday, March 15, 2014

Business success by design - Nate Sachs

Whether you're selling a business to insiders like family members, co-owners and key employees, or to outside parties, you need to review your business exit strategy and plans for life after retirement. Special guest Nate Sachs has designed over 2,000 business exiting plans over the last four decades and is a nationally recognized business succession expert. Sachs is interviewed by Steve Savant, syndicated financial columnist and talk show host, on "Steve Savant's Money, the Name of the Game."

Saturday, March 8, 2014

How to vet an advisor

Vetting a financial advisor can be a daunting task. The vast majority of the saving and investing public doesn't know their own qualifications for their finances, much less the industry standards. Nationally recognized industry consultant Chuck Hollander walks you through some of the talking points involved in the selection process of a financial advisor on "Steve Savant's Money: the Name of the Game."

Saturday, March 1, 2014

The No. 1 Overlooked Employer Retirement Plan

The most popular employer sponsored retirement plan is a 401(k). But a 401(k) can be tax and cost inefficient with most plans funded by market-exposed products. A fully insured, defined benefit plan under 412(e)(3) can provide safety and low plan expenses, and it is more tax efficient. Nationally recognized 412(e)(3) expert Nick Paleveda, MBA, J.D., is interviewed by online talk show host and syndicated columnist Steve Savant. Nick explains why this plan may be a better deal than traditional 401(k)s.

Saturday, February 22, 2014

Protecting Against Overlooked Business Liabilities

Attorney Ike Devji explores the multi-faceted options of Employment Practices Liability Insurance, such as employee social media, sexual harassment and data breach of personal information for clients. Additionally, Ike addresses E&O insurance that will not cover many of the complex litigation issues confronting businesses today. One of the key issues is Directors & Officers Liability Insurance. Ike doesn't limit it to for-profit enterprises, but extends the conversation to nonprofit organizations as well. Liability exposure is real in a culture of litigation where 70,000 lawsuits are filed every day.

Saturday, February 15, 2014

Vetting an Adviser

There are conventional approaches in gathering background information to assist in the selection of a financial adviser: broker check and the state insurance department. But with many advisers using social media, the consumer can find valuable information on their personalities, their bios and sometimes even their approach to finances. Social media expert Amy Mcilwain explains what to look for online when you're looking for a adviser.

Saturday, February 8, 2014

Consumer Insurance Questions

Syndicated online financial columnist and talk show host, Steve Savant, answers consumer questions on life insurance in a brief one-minute video vignette with easy to understand explanations.

Saturday, February 1, 2014

Protecting America's Most Precious Asset, The Family Business

There is a huge opportunity to preserve family relationships and perpetuate business legacies, making a difference with the people your family interacts with. The three impact planning models are Contingency, Cash Flow and Communication of intentions and expectations used to protect a family owned business. Dave Specht, CFP, author and financial entrepreneur, talks about family owned businesses.

Saturday, January 25, 2014

Consumer Insurance Questions - Part III

Syndicated online financial columnist and talk show host, Steve Savant, answers consumer questions on life insurance in a brief one-minute video vignette with easy to understand explanations.

Saturday, January 18, 2014

Managing Risk

Reviewing policies has generally been performed by insurance professionals. But as CPAs enter the financial services marketplace, more CPAs are performing policy audits for their clients as dispassionate third-party product reviewers. Steve and Richard address reviewing your existing insurance policies for opportunities to save money as well as discover any risk exposure that may be present.

Saturday, January 11, 2014

Consumer Insurance Questions - Series II

Syndicated online financial columnist and talk show host, Steve Savant, answers consumer questions on life insurance in a brief one-minute video vignette with easy to understand explanations.

Saturday, January 4, 2014

Lifetime Income You Can't Outlive

The new quest to match life expectancy to retirement income is driving new concepts in the use of mortality credits in income scenarios with annuities. This is a significant strategy when set against the backdrop of the mortality revolution. Increased life expectancy has created longevity risk. Matching lifetime income to projected retirement expenses has become a new planning technique to cover some of that risk. Steve's special guest, author and adviser consultant, Tom Hegna, discusses the costs of living longer and some of the financial solutions to retirement longevity.

About Steve Savant

Steve Savant

As the National Marketing Spokesperson for Ash Brokerage, Steve Savant looks forward to meeting financial professionals in every way possible - in person or by video through conferences and social media.

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