Reverse Mortgage Video Marketing – HECM Loan

Whiteboard Video on YouTube:

Are you a senior homeowner that feels your home no longer fits your needs? You don’t need the additional family space anymore, and maintaining a large home is expensive and can be a drain on your time and resources. It might be time to downsize and move into a one-story home or to a neighborhood closer to your family. The problem is that although your home has increased in value over the years, selling your current home may not cover the purchase price of a new one. 

A reverse mortgage loan program designed specifically to help baby boomers aged 62 and older can help bridge that gap. A Home Equity Conversion for Purchase loan or H4P, is a safe, FHA federally insured loan program that helps seniors purchase a home more suited to their retirement lifestyle. It will allow you to make a one-time payment of 50 to 65% of the purchase price of a new home, while eliminating your monthly mortgage payments…for life. You will still be responsible for maintaining the home and paying any property taxes, home insurance, and HOA fees. But you don’t have to repay the loan until you sell your current home, or you no longer live there as a primary residence. 

For many senior homeowners, this a better option than paying cash for a new home or taking out a mortgage in retirement. H4P also effectively doubles your purchasing power, by allowing you to afford the home you want now while leaving enough cash left over to fund your retirement. To find out more about the H4P program, call us today. 

To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Loan Officers, Medicare Insurance and Reverse Mortgage

Whiteboard Videos for Financial Advisors,

Whiteboard Videos for Medicare – Retirement

1-Minute Video:

Video Transcript:

Many pre-retirees are uncertain about their choices when it comes to enrolling in Medicare. There are 2 main ways to get your coverage – you can choose the traditional fee-for-service Medicare, known as Original Medicare, or a Medicare Advantage plan.  

Medicare Advantage plans are similar to an HMO, which stands for Health Maintenance Organization or a PPO, which stands for Preferred Provider Organization. Original Medicare consists of Part A – Hospital Insurance for in-hospital care, and Part B Medical Insurance for outpatient services like doctor visits and lab tests.  

Medicare Advantage, known as Part C, is a managed care option that rolls all the different parts of Medicare into one. There may be extra coverage like dental and vision. And everyone on Medicare is eligible for prescription drug coverage either from a Part D plan or a Medicare Advantage Plan offering drug coverage. 

There are many considerations that can factor into the Medicare planning process. Let us help you with your important Medicare decisions – visit our website or give us a call today! 

 

Whiteboard Videos for Financial Advisors, Loan Officers, Medicare Insurance and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Financial Planner Marketing – Inflation

1-Minute Video on YouTube:

Transcript:

The medical profession refers to high blood pressure as the silent killer. In investing, the silent killer is INFLATION. The minimum return on any retirement investment must be at least equal to inflation. Here’s why. Suppose your retirement goal is to withdraw $90,000 per year from your IRA. To maintain your purchasing power, you must adjust your withdrawal amount for the inflation factor. That means that to get $90,000 per year at an inflation rate of 3%, your withdrawal amount in year 15 would be $140,217.

To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Whiteboard Videos for Financial Advisors, Loan Officers, Medicare Insurance and Reverse Mortgage

 

Whiteboard Animated Videos for Financial Advisors

1-Minute Video on YouTube:

Video Transcript:
With a traditional IRA, you may qualify for a tax deduction when you invest your money. But later, when you take the money out in retirement, all those distributions are taxed. The Roth IRA is the opposite. It has no deduction when you put the money in, but later, all distributions are tax-free when you take the money out during retirement. By converting from a traditional IRA to a Roth IRA, future gains become tax-free. But when you convert funds from a traditional IRA to a Roth IRA, you must pay taxes on the converted amount that year. You can choose to convert all or just part of a traditional IRA to a Roth IRA. Timing should be based upon when you are in a lower tax bracket or have other offsetting deductions. We can help you gauge the costs and benefits of a Roth conversion in your situation. Beware of penalties if you may need to tap into your Roth IRA funds in the next five years and you are or will be younger than age 59.5 when you need these funds. Give us a call today and we’ll help you evaluate your options. It’s important that all investment titling and beneficiary designations are working in concert with your will or other estate planning documents. Speak with your estate and tax planning professionals to evaluate any potential tax ramifications and call us today to learn more about strategies and resources that may help you preserve your nest egg.

Whiteboard Videos for Financial Advisors, Loan Officers, Medicare Insurance and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Whiteboard Videos to Help Attract New Clients

1-Minute Video on YouTube:

If you receive employee stock options or restricted stock units from your employer congratulations! These forms of equity compensation can create wealth and help you achieve your financial goals. However, this wealth is at risk due to stock price fluctuations and employment changes. To manage these risks, there are 5 things you should know about your employer stock and options that aren’t included in your stock plan education resources. 

Number one is Forfeit Value. This is the current equity value lost by leaving your company to work elsewhere prior to retirement. This amount includes the time value of your vested and unvested options and the value of any restricted shares. Number two is Leverage. This is the upside and downside values of your options and shares at hypothetical price increments. This illustrates potential versus risk. 

Number three is Option Ratios. These are the time value of your options as a percentage of the full value. They help determine the order and urgency for exercising and selling your stock options. Number four would be Concentration. This shows the values and percentages of your company stock and options holdings compared to your diversified investments. This is important because concentrated equity compensation holdings are risky. 

And the fifth, Financial Goal Attainment. This is the current status your equity compensation plays in achieving a financial goal. Once you have secured your financial goal in a diversified portfolio, you can take more risk holding your stock and option. 

Equity compensation is complicated, but we can provide you with these insights and information that aren’t available from your company. Give us a call today. We’ll help you make informed decisions to get the most out of your company stock and option holdings. 

Whiteboard Videos for Financial Advisors, Loan Officers, Medicare Insurance and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Financial Advisor Marketing with Video

Whiteboard Video on YouTube:

Statistics say there is a seventy percent chance that you or your spouse will experience a need for long-term care! Long-term care includes a range of services and supports you may need to meet your personal care needs.  

Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, sometimes called Activities of Daily Living (or ADLs). These include bathing, dressing, using the toilet, transferring to or from a bed or chairs, caring for incontinence, and eating. Other common long-term care services and supports are assistance with everyday tasks, sometimes called Instrumental Activities of Daily Living (or IADLs). These include housework, managing money, taking medication, preparing and cleaning up after meals, shopping for groceries or clothes, using the telephone or other communication devices, caring for pets and responding to emergency alerts such as fire alarms.  

The cost of Long-Term care varies with the amount of coverage, length of care, and deductibles. The initial premium level will increase based upon the age at which you apply. Like all insurance, most people wait too long before applying. 1 in 4 who apply between the ages of 60 and 69, don’t qualify.  

You owe it to yourself and family to know the options and prepare well today. Call us to find out more. 

 

Whiteboard Videos for Financial Advisors, Loan Officers, Medicare Insurance and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Pre-Retirees – Medicare Insurance Marketing

Video on YouTube:

Video Transcript:

Most Americans who turn 65 are eligible for Medicare, a federal program that covers many health expenses for seniors. But the program is complicated. Here are 5 important facts you need to know: 

First – Medicare is not free. Of the 4 parts, Part A – Hospital Insurance – is the only one that normally has no premium. Parts B, C and D have premiums that vary.  Second – Enrollment is not automatic – you have to sign up for Medicare benefits. The exception is for those already receiving Social Security benefits. If you’re already receiving Social Security benefits, you will automatically receive Medicare Parts A and B. 

Third – Late enrollment can mean expensive, and permanent, premium penalties.  You have 7 months, starting 3 months before your 65th birthday month, to sign up penalty-free.  Fourth – Medicare covers a lot, but not everything. Services like long-term care, dental and vision care are not covered. People often purchase additional private coverage for these types of services. 

And fifth, if you’re rich, you’ll pay more. High-income seniors pay surcharges on premiums for both Parts B and D. Let us help you with your important Medicare decisions – give us a call or visit our website today! 

 

Medicare Insurance, Reverse Mortgage, Whiteboard Videos for Financial Advisors, Loan Officers,

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Find out how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Loan Officer Video Marketing

1-Minute YouTube Video:

Are you a senior homeowner that feels your home no longer fits your needs? You don’t need the additional family space anymore, and maintaining a large home is expensive and can be a drain on your time and resources. It might be time to downsize and move into a one-story home or to a neighborhood closer to your family. The problem is that although your home has increased in value over the years, selling your current home may not cover the purchase price of a new one. 

A reverse mortgage loan program designed specifically to help baby boomers aged 62 and older can help bridge that gap. A Home Equity Conversion for Purchase loan or H4P, is a safe, FHA federally insured loan program that helps seniors purchase a home more suited to their retirement lifestyle. It will allow you to make a one-time payment of 50 to 60% of the purchase price of a new home, while eliminating your monthly mortgage payments…for life. You will still be responsible for maintaining the home and paying any property taxes, home insurance, and HOA fees. But you don’t have to repay the loan until you sell your current home, or you no longer live there as a primary residence. 

For many senior homeowners, this a better option than paying cash for a new home or taking out a mortgage in retirement. H4P also effectively doubles your purchasing power, by allowing you to afford the home you want now while leaving enough cash left over to fund your retirement. To find out more about the H4P program, call us today. 

Whiteboard Videos for Financial Advisors, Loan Officers, Medicare Insurance and Reverse Mortgage

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To find out more about how to use videos like this to attract your ideal client through digital marketing on the internet, click here.

Whiteboard Videos for Medicare Agents

1-Minute Video on YouTube:

Medicare Supplement plans – also known as Medigap plans – are designed to cover some of the costs that Original Medicare doesn’t. These costs include things like copayments, coinsurance and deductibles. Some Medigap plans also offer certain benefits that Original Medicare doesn’t like emergency foreign travel expenses. Medigap plans don’t cover your costs under other health plans – including Medicare Advantage Plans – but only the costs that Original Medicare doesn’t cover. 

Here’s how it works. If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare-approved amount for a covered service. Then, your Medigap policy pays its share. But Medicare doesn’t pay any of the costs of purchasing the policy.  

Medigap Plans differ from Medicare Advantage Plans in an important way. Medicare Advantage Plans are just an alternative way to get your Medicare Plan A and B benefits. Medigap Plans are solely designed to cover costs that Original Medicare doesn’t cover. In fact, insurance companies generally can’t sell you a Medigap Plan if you are already covered by a Medicare Advantage Plan or Medicaid. Medigap Plans are required to follow all federal and state consumer protection laws and policies must be clearly identified as “Medicare Supplement Insurance.” Medigap Plans in most states are standardized, and identified by Plan letters A through N. Each standardized state Medigap plan under the same plan letter must offer the same basic benefits, no matter what insurance company sells it. Usually, the only difference between Medigap policies with the same plan letter is the cost charged by different insurance companies… so you can comparison shop! 

Need help with choosing the right Medigap plan for you? Call us for no obligation consultation today. 

 

Medicare Insurance, Reverse Mortgage, Whiteboard Videos for Financial Advisors, Loan Officers,

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Use videos like this to attract your ideal client through digital marketing on the internet, visit our website.

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