Phil compares the outcomes of different options for sourcing Roth conversion tax liabilities.

Phil talks about implementing concrete income protection strategies with the new annuity platform in Pro.

Phil compares the outcomes of using an annuity that is withdrawn from as needed vs. purchasing a period certain income.

Phil shows how the strategic placement of guarantees, market opportunities and Roth conversions will simultaneously tackle three major retirement income risks: sequence of returns, inflation, and longevity.

Phil shares three different basic plan design choices and their associated talking points to educate a prospect and guide them towards a close.

Phil talks about how to calculate the present value of segment one and the required rate of return for the pre-retirement period such that clients can set aside sufficient assets…

Phil looks at a real case that got sabotaged by an unexpected layoff, unplanned spending, and a future income goal that didn’t seem possible.

Phil demonstrates how to illustrate the comparison between a Roth conversion strategy and a life insurance conversion strategy.

Phil discusses why relying on “rule of thumb” fixed withdrawal rates in retirement doesn’t align with the reality with a household’s changing needs over time.

Phil talks about how to discuss saving for retirement in the list of priorities that clients have as financial goals.

Phil talks about how attracting younger clients and setting up a transition plan can dramatically increase the value of your practice as well as the importance of risk buffering in…

Phil talks about the applicability to Discovery vs. Pro when working with clients further from retirement.

Phil discusses how to model both the self-funding of LTC as well as payments/benefits associated with LTC insurance.

This week Phil runs through a case where the timing of starting an income rider makes a significant difference in the client’s plan.

Phil talks about helping clients in their accumulation to diversify in various ways to avoid risks in retirement. He also covers the various resources available to help promote yourself as…

Phil discusses the impact of client over-accumulating in tax-deferred accounts and how they can lead to excessive RMDs in retirement. Tax strategy diversification is as important as asset class diversification…

Tom and Phil discuss various miscellaneous improvements to the Pro editor.

This week Phil reviews the recently revised client presentation seminar deck that covers three retirement “tax traps” and also discusses Social Security claiming.