White Board Video for Financial Services

Video Transcript

Cashmore Financial Group http://www.cashmoreinvestments.com/co… (847) 231-6150

If you’re nearing retirement, you may need to consider asset allocation in a different way. Be aware that asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns. When you were younger, you may have invested in stocks and mutual funds for the growth and perhaps the diversification offered. You had time on your side. You invested for the long haul and could weather the ups and downs of the stock market. 

But when you’re nearing or in retirement, the ground rules change. Losses are difficult to recover and your income stream could suffer just when you’re counting on it. Often, a balance between stocks and bonds is used because these investments usually move in opposite directions. This is where asset allocation comes into play. Because investments may go up and down, and your financial needs may vary, your planning must allow for contingencies. Various types of investments can help accomplish this. 

By allocating investments for growth potential, guaranteed income, risk management, and taxes, we can develop a strategy to help you meet your financial goals. Please give us a call today to find out how you can allocate your assets for your retirement.

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Financial Advisor Videos

Video Transcript

Premiere Retirement Planning and Wealth Management https://www.premret.com/ (800) 313-6659

Just like the old warning against putting all of your eggs in one basket, if you put all your money in one company stock and it dropped like a rock, you’d lose everything. Diversification can help protect your portfolio from that scenario.  Diversification is the practice of spreading your money among different investments to reduce your risk of losses. A portfolio should be diversified at two levels; both between asset categories, such as stocks, bonds, and cash; and within those asset categories. Ideally, if one investment is losing money, another will be making gains. To diversity between asset categories with stock holdings, for example, you’d invest in a wide variety of industry sectors, such as energy, technology, financials, health care, and utilities. Then you would diversify again, within those sectors. There are many ways to diversify within sectors: invest by company, such as Google or Apple in the tech sector; by geographical market, like domestic or international or by company size, large-cap, mid-cap, or small-cap. 

Many people choose to diversify their portfolios with mutual funds or Exchange Traded Funds. These funds hold shares in a variety of companies, making it easier for investors to own a small portion of many investments.

For more information on how to achieve a diversified portfolio, give us a call or stop by our website today!

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Financial Advisor Marketing

Video Transcript

Stanley Dean, CLU, Insurance & Financial Services https://www.standean.com/ (800) 964-3326

You might be asking yourself, “When should I retire? Should I retire early or defer it?” Deciding when to retire may not be just one decision, but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses but also what sources of retirement income you’ll have and how long you’ll need your retirement savings to last. You’ll need to take into account your life expectancy and health, as well as when you’ll want to start receiving Social Security or pension benefits. You’ll also want to consider when you’ll start to tap your retirement savings. Each of these factors may affect the others as part of an overall retirement income plan. Contact us today to get help to determine the best time for you to retire.

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Financial Advisor Video Marketing

Video Transcript

Independent Financial Solutions

http://www.scotthfortney.com

(719) 265-5091

To keep your investment portfolio on target for financial goals, you want to balance risk and diversify your assets. That’s the purpose of asset allocation – the process of dividing your portfolio among major categories like cash, stocks, and bonds. Historically, the returns of these three major asset categories have not moved up and down at the same time – so including a mix of these assets in your portfolio can protect against losses. There is no perfect formula for asset allocation – it differs with each individual depending on their risk tolerance and time horizon. Risk tolerance is the amount of your investment you’re willing, or able, to lose in exchange for greater possible returns. Risk tolerance is closely tied to time horizon, or the amount of time you have to invest. An investor saving to make a down payment on a home in 5 years might choose less risky investments than someone saving for retirement in 20 years. A longer time horizon allows more time to recover from loss. Asset allocation may be one of the most important investment decisions you make with your portfolio – call us today to learn more.

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Whiteboard Animated Videos for Financial Advisors

Haven Wealth Management

https://www.thehavenwealth.com/

(415) 878-1177

You don’t have to be a math whiz or know how to pick stocks to become savvy about money. Being savvy about money is more about being engaged, understanding what you want and having a plan designed for your life. And it all starts with your experience with your advisor.

Take this quiz right now to rate your experience with the financial advisor in your life. I’ll read 5 questions, and you write down a score of 1 to 5, with 1 being non-existent, and 5 being absolutely yes. Total the points to determine if you are getting what you need and want from your advisor:

  • Number one: I understand the purpose for my money and feel totally confident about my progress.
  • Number two, I am financially organized and know what I have and how it will support me.
  • Number three, I enjoy meeting with my advisor and am constantly learning more about my money.
  • Number four, I have a financial plan that is designed around my life and helps me track my progress.
  • Number five, My financial knowledge has increased measurably since working with my advisor.

If you scored a 25, congratulations! You are fully engaged in planning for your financial life. If you scored less than 25, perhaps it’s time you engaged in a new experience. Our mission is to help every woman become fully engaged in her financial affairs, understanding the process and enjoying her journey to financial confidence.

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Explainer Videos for Financial Services

Video Transcript

Premiere Retirement Planning and Wealth Management

https://www.premret.com

(800) 313-6659

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 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 and69, don’t qualify. You owe it to yourself and family to know the options and prepare well today.

Call us to find out more.

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Financial Planner Marketing

Video Transcript

Premiere Retirement Planning and Wealth Management – https://www.premret.com –  (800) 313-6659

A “Living Trust” is a trust you created that is active while you are alive versus a Testamentary Trust which becomes active at your death. When you create a Living Trust, you ensure that your assets will be disbursed efficiently to the people you choose after your death.

The big advantage to a Living Trust is that the trust doesn’t have to go through probate court like a will does. Probate can be expensive in attorney and court costs while also causing long and frustrating delays. A Living trust is an arrangement under which one person, called a trustee, holds legal title to property for another person, called a beneficiary. You can even act as your own Trustee if you’d like.

When you create a trust, the titling of assets is changed into the trust’s name, as if it was a living entity. Specific details of your wishes upon death can be provided for in the trust. But not everyone needs a trust. Transfer of assets at death may be handled through a beneficiary designation on some holdings and investments. If you’re using beneficiary designations, make sure all your paperwork is up to date. For instance, if you get divorced, be sure to remove your ex-spouse as a beneficiary.

For more information about how to plan well for your family’s future, give us a call today.

 
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Financial Advisor Videos

Video Transcript

 

Capital Choice Advisors – www.capitalchoiceadvisors.com – 704-641-6331

A fixed index annuity is a contract between you and an insurance company that may help you reach your long-term financial goals. In exchange for your premium payment, the insurance company provides you with income, either starting immediately or at some time in the future.

Most fixed index annuities have two phases. First, there’s an accumulation phase, during which you let your money earn interest. This is followed by a distribution or payout phase, during which you receive money from your annuity. Your annuity can earn a fixed rate of interest that is guaranteed by the insurance company or an interest rate based on the growth of an external index.

With a fixed index annuity, you defer paying taxes on your contract’s interest until you receive money from the contract. This tax-deferred growth in your asset can really add up. These annuities provide for additional growth in value by sharing in stock market growth, often without market risk.

Fixed index annuities vary in their benefits depending on the company offering them. To understand which fixed index annuity may be right for you, give us a call today.

 

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Financial Advisor Videos

Video Transcript

http://www.charlescarrollusa.com/

(855) 585-3600

If you’ve become the beneficiary of an IRA or other retirement accounts, it’s important to know your options. You can take the money out in one lump sum. This requires opening an account called an Inherited IRA in your name for correct IRS reporting. That lump sum may be taxable depending on whether the original contributions were pre or post-tax. Or you can open an Inherited IRA and leave it alone to grow tax-deferred. You can’t make any additional contributions and must take Required Minimum Distributions based on when the deceased would have turned 70 ½. With this option, you can name your own beneficiary to pass it on. If your spouse left you the account, you’re allowed to roll those assets into your own retirement account and follow your account’s distribution rules. You could also disclaim the account, or not accept it. The assets can then pass on to alternate beneficiaries. If you disclaim, it must be done before taking possession of the account, and within nine months of the original owner’s death. To learn more about what to do with an inherited retirement account, please give us a call today.

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Whiteboard Videos for Financial Advisors

Video Transcript

http://www.wealthwisdomgroup.com

(302) 651-9191

Tax-efficient investing involves strategies to help reduce the impact of taxes. Investments have three tax flavors: taxable, tax-deferred and tax-exempt. Taxable requires gains to be paid as they are earned each year. These include investments like CDs and money market funds. Tax-deferred gains remain sheltered from taxes until withdrawn for retirement at age 59 ½ like 401(k)s or IRAs. Tax-exempt interest is not taxable either by federal or state taxes. To determine the tax effect of your investments, you must know which tax bracket you’re in and if capital gains rules apply. The highest investment income minus the lowest taxes due is your investment goal. So focus on placing fully taxable investments in tax-deferred accounts. Don’t make the common mistake of putting investments that have tax benefits into an IRA. You will lose those tax benefits since all distributions from traditional IRAs are 100% taxable. Let us help you make tax-efficient investments in your portfolio. Give us a call today.

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