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I have always appreciated the tenacity and focus of Andrew Carnegie. During the 1800s, he amassed a fortune that would be worth around $300 billion in today’s dollars. A tremendous amount of money, yes--to put this in perspective, that would make him wealthier than...read more
“Yes, the pain shot through me like a knife. It brought tears to my eyes. But now I have a gold medal and the pain is gone.” Shun Fujimoto On the bleeding edge of chaos is where successful people are able to do the things that unsuccessful people won't and...read more
Michael Lewis, author of "Moneyball," pointed out at a recent industry conference that "experts make mistakes, and analyzing data can help prevent gut calls that become bad decisions.” The Oakland A's dissected statistics and analyzed data to identify undervalued...read more
With variable annuity net assets exceeding $2 trillion at the end of the fourth quarter, there is very good chance that by simply improving a single factor in your replacement methodology, you could easily generate several hundred thousand dollars of additional...read more
As I have discussed over last two years, Income riders charges are up, payout factors down and most products produce less than a 1% IRR at client life expectancy. Income riders are falling even harder than I expected. According to LIMRA: “One of the factors...read more
"The question isn't at what age I want to retire, it's at what income." - GEORGE FOREMAN In this article, we will share an approach that will expose the weakest links to the most common choices when purchasing an annuity and provide you with the knowledge to increase...read more
As a professional, you want to join the conversation your clients are already having in their mind. At some point in the future, there are only three possible options (or some combination of the three) for your clients regarding any income asset, once they have...read more