Saturday, March 21, 2015

Why women need to be financially aware

Financial awareness among women is the newest educational frontier for advisers. and this particular interactive software does just that. It includes financial data, documents and family photos that can help visualize the big financial picture or demonstrate detailed information on any one financial holding or planning strategy.

Most women will spend at least part of their life on their own, either because they never marry or because they lose a spouse to divorce or death. This means many will be forced to manage their own finances in their later years without the support of a partner,” says Bast. “And because women tend to live longer than men, their money will need to stretch further.”

Syndicated financial columnist and talk show host Steve Savant interviews registered investment adviser and certified financial planner Heather Coulter. For almost 20 years she has been managing money and using a unique mind mapping software that analyzes, stores and retrieves client data and photos.

Saturday, March 14, 2015

Why families do generational planning

America's life expectancy is ever evolving towards new frontiers in longevity. Family planning is now incorporating four generations. The are four consumer generations are the mature who came from emerging affluence to affluence. The baby boomers were the generation of the team, not the individual. Generation X and Millennials are about the "army of one," i.e. the individual.

The defining differences in each generation create an customized environment that are flush with cultural significance and taboos. Learning the idiosyncrasies of each generation can help you communicate your message and identify the characteristics of your clientele.

Syndicated financial columnist and talk show host Steve Savant interviews registered investment advisers and certified financial planners Rob O'Dell and Heather Coulter. For almost 20 years they have been managing money and using their unique mind mapping software that analyzes, stores and retrieves client data and photos.

Saturday, March 7, 2015

Why Business Evaluation is So Important to Small Business

Small business is the backbone of corporate America. American business dominates the world in overall value. But small business seems to shy away from determining its true market valuation or simply over valuing the business.

But the real reason for most small business reluctance to secure a professional evaluation is the cost. New evaluation software is using state of the art algorithm design to calculate a valuation that is a great starting number and is extremely economical. Don and Steve walk you through the latest in business evaluation technology.

Syndicated financial columnist and talk show host Steve Savant interviews life insurance income specialist Don Prehn, CLU, ChFC. For over 20 years Don has been presenting cash value life insurance as a financial product option.

Saturday, February 28, 2015

Retire Happy

Late last year Tom did a PBS Special, entitled Don't Worry Retire Happy, 7 Steps to Retirement Security. PBS will be featuring over the next two years. Not surprisingly, Tom's new book is entitled, Don't Worry Retire Happy.

Tom walks the audience through the 7 steps and the new hybrid working retirement concept. He also addresses how to combat inflation during retirement.

Home equity can be created in the process of downsizing where the gain in the sale may receive tax favored treatment. Some just use an equity home loan for added income. And others use reverse mortgages.

Social Security is America's #1 retirement plan. But there is a critical decision to be made on how and when it's distributed. Tom addresses the three basics of Social Security and how to use them to maximize benefits.

Syndicated financial columnist and talk show host Steve Savant interviews author, platform speaker and PBS television media guest Tom Hegna, CLU, ChFC, CASL. This is episode features Tom's new book Don’t Worry, Retire Happy from Tom's PBS Special. Tom's other books are Paychecks & Playchecks and Retirement Income Masters.

Saturday, February 21, 2015

Estate Planning for the Ones You Love

During the next 30 to 40 years, Baby Boomers are expected to transfer $30 Trillion to their children. This is above and beyond the $12 Trillion they are in the process of receiving from their own parents. Mike introduces the basics of estate planning and uses easy to understand consumer conversation to discuss his approach to mitigating taxes, leveraging assets and and transferring wealth to targeted beneficiaries.

Syndicated financial columnist and talk show host Steve Savant interviews author, speaker and frequent media guest Mike Kilbourn, CLU, ChFC, CCIM, AEP, MSFS. Mike's book Disinherit the IRS is a staple in estate planning circles and is in it's second edition. Mike is also the founder and chairman of the Wealth Protection Network®, a national network of estate planning professionals that work in concert create and manage comprehensive estate plans.

Saturday, February 14, 2015

The Family Meeting to Your Financial Planning

Why facilitating Family Meetings is the most explosive growth opportunity in today’s financial planning landscape. Using the Family Survey to inspire clients into co-ordinating the meeting for your facilitation is a redirection in traditional family planning.

Anthony discusses the key questions that need addressing and why the planning commitments made are solid and more importantly more profitable for the family.

Syndicated financial columnist Steve Savant interviews Anthony Morris, author,International keynote speaker & practice development coach in the financial services sector.

Saturday, February 7, 2015

Consumer Insurance Questions

Syndicated 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 24, 2015

Foreign Nationals Living in America

The globalization of the planet through lightening fast communications, currency exchanges and the emerging status "citizens of the earth" has created, for the most part, borderless nations.

Immigration status is very important in the foreign national market.

The resident alien market is defined as non U.S. citizens who live in the U.S. The prospects in the foreign market have a poultry $60,000 estate exemption with no unlimited marital deduction. The number of married couples comprised of foreign nationals and American citizens is significant.

Syndicated financial columnist and talk show host Steve Savant interviews foreign market expert Carey Rokovich, CFP, CLU, ChFC. The foreign national market is a large, growing population that faces unique US planning challenges. Foreign national have a significant need for information on financial planning concepts, and desire US dollar denominated products. This series reveals the untapped foreign national market in America. It's a niche segment of our society that could be a significant opportunity for advisers.

Saturday, January 17, 2015

Life Insurance Policy Review

When your looking for insurance coverage, you want to pay the least amount possible for the most coverage. It doesn't matter if you're shopping for auto, home, renters or even life insurance. Auto coverage commercials generally proclaim that they can save the consumer 15%, even more if you consolidate auto and home insurance. But surprisingly, few consumers shop their life insurance coverage.

The term life insurance market is a consumer's dream, especially in the brokerage community. So much so, that you may save much more than 15% and you get a free medical exam for most policies over &100,000 of protection. It's really worth while to shop for life insurance in the brokerage market, where the odds are you can save real money.

Syndicated financial columnist and talk show host Steve Savant interviews nationally recognized product due diligence expert Sam Rocke, CFP. This series explores the product review process for life insurance, not only for traditional indemnification strategies, but for tax advantaged distributions for retirement income. All financial products need to be reviewed on an annual basis for performance and continued relevance in the overall financial plan.

Saturday, January 10, 2015

Why Income Annuities Are Used in Retirement Plans

This episode addresses the basics in asset allocation, i.e. your portfolio mix of financial products. The fundamental theory of asset allocation has now been introduced into an indexed annuity for protection of principal and access to potential market returns.

The crediting account of most indexed annuities can never fall below zero. However, like most financial products, there are associated costs that may be deducted from the crediting account. This particular show highlights Barclays foray into indexed annuities with insurance giant Allianz.

Syndicated financial columnist and talk show host Steve Savant interviews nationally recognized annuity expert Mike McGlothlin, ChFC, CLU, CFP. In this episode Steve and Mike point out the value of guaranteed income annuities, some of which are for life.

Saturday, January 3, 2015

What Women Want from Financial Advisors

The purse strings of American households have always been in the hands of women. But with the passing of World War II and Korean veterans, trillions of dollars in assets are moving into the hands of their wives. And those women are being cared for by their baby boomer daughters at home or in a nursing facility. Women are looking for financial advisers that they can trust and will take the time to listen to their opinions and questions. In this episode Dr. Barb Provost addresses some of the key aspects of working with women and their money. Syndicated financial columnist and talk show host Steve Savant interviews Dr. Barb Provost, adjunct professor at Roosevelt University in Chicago. With multiple Masters Degrees and a Doctorate in Adult and Continuing Education, Barbara Provost MS EdD is an expert in how adults learn. Her insights into women and money are considered at the forefront of the most neglected demographic among financial advisers. She has also developed training programs for Fortune 100 companies and is a Certified Coach of the International Coaching Federation.

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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