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Estate planning

End-of-Life Planning: The Missing Piece to the Financial Puzzle


Most financial professionals specialize in financial, retirement, insurance, and estate planning. In doing so, they usually utilize a holistic planning process designed to review and optimize all areas of a client’s financial needs. However, studies reveal that most “successful” financial professionals choose to specialize in a particular niche.  In other words, they focus the majority of their time, energy, and …

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Death at Your Desk


I probably wrote what I am about to share with you in my head a dozen times over the course of the last year. It’s a topic we all talk about together as agents and financial experts but rarely share in quite the way I am about to share with you now. I will forgo explaining the math because, if …

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100 Reasons Final Expense is a NICHE Opportunity You CANNOT Afford to Overlook


After experiencing the death of a dear loved one, and the terrible challenges that followed, my life has been forever changed. However, my loss has become an inspiration to help others, particularly through encouraging other financial professionals to adopt End-of-Life planning as a standard and routine part of what we do.   The more I strive to educate families and …

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Funeral Trusts: An Excellent Opportunity to Help Families Plan and Pay for Their Funerals While They are Alive


After suffering through the grief and loss of my mother’s passing on Thanksgiving Day of 2008, it became increasingly apparent to me that End-of-Life Planning is a vital piece of any financial puzzle.  It has also become a passion and inspiration of mine to help educate every financial professional regarding the win-win opportunity of helping our clients and their families …

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Why Choose a Pre-Need Plan?


More and more people are now realizing that the best financial advice is to have a sound financial and estate plan that takes care of your funeral services, funeral costs and funeral expenses ahead of time. Pre-Need Planning is one of the most common ways to accomplish this type of planning. A Pre-Need Plan gives your clients the ability to …

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Protecting Your Clients’ Nest Eggs


As financial advisors, we are required to take exams, acquire licenses, and perform continuing education with the primary objective of helping our clients protect wealth, save wealth, and grow wealth. However, the harsh reality is that the large majority of our industry tends to focus mostly on the growth component, and often overlooks the protection component. It can be very …

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Everything You Need to Know About End of Life Planning


Nobody likes talking about the fact that, some day, they will die. However, not only is death a guaranteed outcome, but it often occurs at an unexpected time much sooner than anyone anticipates. So, given the fact that death is inevitable, financial advisors simply cannot overlook an overall financial or retirement plan. When my family suffered the loss of a …

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Important Checklist When Faced with a Death


Losing a loved one is arguably one of the most difficult experiences in life. In addition to coping with the grief and loss of a loved one, there are also a variety of challenging tasks and important financial decisions to be completed, some of which include: Making final arrangements. Reviewing funeral costs and funding options. Settling an individual’s estate and …

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Creating a “Love Drawer”


Some financial professionals believe that life insurance should be viewed as “love insurance.” As cliché as it may sound, it certainly has a tremendous amount of merit. What better gift is there to give your loved ones upon your death than a large sum of money to be used for such things as income replacement, college tuition, retirement, debt repayment, …

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