Retirement tters Investment Strategies for Retirement. Summit Investment Advisors
|
|
|
- Lucy Powers
- 7 years ago
- Views:
Transcription
1 Retirement tters Investment Strategies for Retirement Summit Investment Advisors October 15, 2015
2 Financial Matters!"#$"% President Series Summit Investment Advisors CFP Summit Investment Advisors Securities offered through LPL Financial. Member FINRA & SIPC. Investment advice offered through Summit Investment Advisory Services, a Registered Investment Advisor. Summit Investment Advisory Services and Summit Investment Advisors are separate entities from LPL Financial.The LPL Financial Registered Representative associated with this site may only discuss and/or transact business with residents of the following states: AZ, CA, CO, FL, GA, IA, IL, MI, MN, MO, MT, NC, ND, NE, NY, OH, OT, TX, WA, WI, WY.Copyright 2014 FMG Suite
3 About my Background Firm Commitment The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult a professional for specific information regarding your individual situation.
4 Click to Play
5 Retirement: Crucial Considerations How long should retirement last? How much is it expected to cost? What sources of income do I anticipate having? What investment strategies could help me?
6 How Long Will Retirement Last? years years Average Life Expectancy Sources: CDC National Center for Health Statistics, 2013; Society of Actuaries 2000 Mortality Table
7 How Much Is It Expected to Cost? Dreams & Goals Expenses Unique Circumstances
8 Estimating the Cost of Retirement
9 Potential Sources of Income Retirement Plans Savings & Investments Social Security
10 The Long-Term Trend of Aging 40,000,000 35,000,000 30,000,000 25,000,000 20,000,000 15,000,000 10,000,000 5,000, million U.S. Population Age 65 and Older 40.2 million Source: Department of Health and Human Services, 2014
11 Rise & Fall of Retirement Plans 35% 30% 25% 20% 15% 10% Percentage of Employees Who Participate Defined Contribution Plans (401(k), 403(b), and 457 Plans Defined Benefit Plans (traditional pensions) 5% Source: Bureau of Labor Statistics, 2013; (most recent data available)
12 Retirement Investment Objectives Protect Principal Certificates of Deposit Money market funds Pursue Growth Individual stocks Growth-oriented mutual funds Variable annuities Generate Income Individual bonds Income-oriented mutual funds Fixed annuities Mutual funds and variable annuities are sold only by prospectus. Please consider the charges, risks, expenses, and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.
13 Objective: Protect Principal Money Market Funds Certificates of Deposit Cash Alternatives
14 Watching the Money Flow $550 2,000 IN BILLIONS $500 $450 $350 $300 Money Market Fund Assets S&P 500 1,800 1,600 1,400 1,200 1,000 $ Sources: Investment Company Institute, 2014, Standard & Poors Company, For the period January 1, 2004, to December 31, Index performance is not indicative of the past performance of a particular investment. Past performance does not guarantee future results. Individuals cannot invest directly in an index. Actual results will vary.
15 Objective: Generate Income Individual Bonds Income-Oriented Mutual Funds Fixed Annuities
16 Bond Laddering Year 1 Year 2 Year 3 Year 4 Year 5 $10,000A (matures in 1 year) at 1% $10,000 at 2% (matures in 3 years) D $10,000 at 1½% (matures in 2 years) B $10,000 at 2% (matures in 3 years) E $10,000 at 2% (matures in 3 years) C This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Past performance does not guarantee future results. Actual results will vary. Diversification is an approach to help manage risk. It does not eliminate the risk of loss if security prices decline.
17 Bond Laddering Year 1 Year 2 Year 3 A $100 $150 $200 B B C $150 $200 $200 C D $200 C $200 D $200 E Total Average Return $ % $ % $600 2% This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Past performance does not guarantee future results. Actual results will vary.
18 Income-Oriented Mutual Funds Mutual funds are sold only by prospectus. Please consider the charges, risks, expenses and investment objectives carefully before investing. A prospectus containing this and other information about the investment company can be obtained from your financial professional. Read it carefully before you invest or send money.
19 Fixed Annuity Premiums Payout Accumulation Phase Payout Phase
20 Objective: Growth Potential Individual stocks Growth-oriented funds Variable annuities
21 Asset Allocation: The Determining Factor Overall asset allocation Other factors Source: Brinson, Singer, and Beebower, Determinants of Portfolio Performance II: An Update, Financial Analysts Journal, May-June Past performance does not guarantee future results. Asset allocation is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline.
22 What Investment Strategies Could Help Me? Aggressive Portfolio Best Year % Worst Year % Average % Stocks 80% Bonds 10% Cash 10% Stocks 20% Bonds 20% Cash 60% Conservative Portfolio Best Year % Worst Year % Average % Source: Thomson Reuters, Past performance does not guarantee future results. Actual results will vary.
23 The $ 370,000 Difference $ 700,000 $ 600,000 Aggressive Portfolio $681,864 $ 500,000 $ 400,000 $ 300,000 Conservative Portfolio $313,509 $ 200,000 $ 100,000 Start Year 10 Year 20 This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Past performance does not guarantee future results. Actual results will vary.
24 Retirement Investment Strategies
25 Financial Matters Series Summit Investment Advisors Securities offered through LPL Financial. Member FINRA & SIPC. Investment advice offered through Summit Investment Advisory Services, a Registered Investment Advisor. Summit Investment Advisory Services and Summit Investment Advisors are separate entities from LPL Financial.The LPL Financial Registered Representative associated with this site may only discuss and/or transact business with residents of the following states: AZ, CA, CO, FL, GA, IA, IL, MI, MN, MO, MT, NC, ND, NE, NY, OH, OT, TX, WA, WI, WY.Copyright 2014 FMG Suite
ABOUT LPL FINANCIAL. serving. financial advisors. and their clients
ABOUT LPL FINANCIAL serving financial advisors and their clients the need for objective advice has never been greater Amid an ever-changing investment landscape, investors need an expert and experienced
The following rates are the maximum rates that should be illustrated. Be sure to update the IRIS illustration system
INTEREST RATES - June 16, 2016 to July 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any Continuing
PRODUCTS CURRENTLY AVAILABLE FOR SALE. Marquis SP
INTEREST RATES - August 16, 2016 to September 15, 2016 Notices 1. Before soliciting or taking any annuity applications, it is required that you have completed Lafayette Life's Annuity Training and any
Target Date Funds. [CODE] [Expiration Date]
![Target Date Funds. [CODE] [Expiration Date]](/thumbs/39/18575776.jpg "Target Date Funds. [CODE] [Expiration Date]")
Target Date Funds Investments and services offered through Morgan Stanley Smith Barney LLC, and accounts carried by Morgan Stanley & Co. Incorporated; members SIPC. 2009 Morgan Stanley Smith Barney [CODE]
Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value
Variable Universal Life Permanent Life Insurance Flexible premiums and potential cash value Why consider a Variable Universal Life Policy? Permanent life insurance protection, plus potential cash value
The Lincoln National Life Insurance Company Variable Life Portfolio
The Lincoln National Life Insurance Company Variable Life Portfolio State Availability as of 12/14/2015 PRODUCTS AL AK AZ AR CA CO CT DE DC FL GA GU HI ID IL IN IA KS KY LA ME MP MD MA MI MN MS MO MT NE
American Equity Investment Life Insurance Company Bonus Gold (Index 1-07) PFG Marketing Group, Inc.
A Fixed Indexed Annuity with a 16-year surrender period. This product is not available in AK AL CT DE MN NJ NV NY OH OK OR PR TX UT VI WA Ratings A.M. Best : A- Standard & Poor's: BBB+ 1 Year S&P 500 Annual
U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending
U.S. Department of Housing and Urban Development: Weekly Progress Report on Recovery Act Spending by State and Program Report as of 3/7/2011 5:40:51 PM HUD's Weekly Recovery Act Progress Report: AK Grants
Athene Annuity (DE) Rates
January 29, 2015 Athene Annuity (DE) s Athene Benefit 10 SM, Athene Choice, Athene Max and Athene 7 MYG SM rates will remain unchanged for the Athene Annuity (DE) product series. Guaranteed payout rates
Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: 2015
Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Brief: Economy-Wide Statistics Division Briefs: Public Sector Graphical Summary By Phillip Vidal Released
Regional Electricity Forecasting
Regional Electricity Forecasting presented to Michigan Forum on Economic Regulatory Policy January 29, 2010 presented by Doug Gotham State Utility Forecasting Group State Utility Forecasting Group Began
ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014
ehealth Price Index Trends and Costs in the Short-Term Health Insurance Market, 2013 and 2014 June 2015 1 INTRODUCTION In this report, ehealth provides an analysis of consumer shopping trends and premium
Ameriprise INSURED MONEY MARKET (AIMMA) BANK LIST: The bank list below is effective as of August 22, 2016
Ameriprise INSURED MONEY MARKET (AIMMA) : The lists below contain the names of the program banks where AIMMA assets will be placed. The program banks are shown in columns by state or region. Find the list
How To Rate Plan On A Credit Card With A Credit Union
Rate History Contact: 1 (800) 331-1538 Form * ** Date Date Name 1 NH94 I D 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006 8/20/2006 2 LTC94P I F 9/14/1998 N/A N/A N/A 35.00% 20.00% 1/25/2006 3/27/2006
Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence
This document reports CEU requirements for renewal. It describes: Number of required for renewal Who approves continuing education Required courses for renewal Which jurisdictions require active practice
Florida Workers Comp Market
Florida Workers Comp Market 10/5/10 Lori Lovgren 561-893-3337 Lori_Lovgren@ncci.com Florida Workers Compensation Rates 10-1-03 1-1-11 to 1-1-11* Manufacturing + 9.9% 57.8% Contracting + 7.3% 64.4 % Office
Allianz Life Insurance Company of North America MasterDex X Annuity PFG Marketing Group, Inc.
A Fixed Indexed Annuity with a 10-year surrender period. This product is not available in CT NY PR VI Ratings A.M. Best : A Moody's: A2 Standard & Poor's: AA Rates Current Rates 01/06/2015 Guaranteed Minimum
New York Public School Spending In Perspec7ve
New York Public School Spending In Perspec7ve School District Fiscal Stress Conference Nelson A. Rockefeller Ins0tute of Government New York State Associa0on of School Business Officials October 4, 2013
FIUL. Fixed Indexed Universal Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life
FIUL Fixed Indexed Universal Life Insurance CONSUMER BROCHURE Wise Financial Thinking for Life The future starts today not tomorrow. FIUL Consumer Brochure Wise Financial Thinking for Life Sagicor Life
TITLE POLICY ENDORSEMENTS BY STATE
TITLE POLICY ENDORSEMENTS BY STATE State Endorsement ID Endorsement Description AK ARM ALTA 6 Adjustable (Variable) Rate AK BALLOON FNMA Balloon Endorsement AK CONDO ALTA 4 Condominium AK COPY FEE Copies
HEALTH CARE IN RETIREMENT. GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced. Forces driving growth in health care spending
HEALTH CARE IN RETIREMENT GROWTH IN HEALTH CARE COSTS in the U.S. has significantly outpaced overall inflation. From 1982 to 2013, spending on health care increased at an average of 5.1%, faster than all
Table 11: Residual Workers Compensation Insurance Market By Jurisdiction
Table 11: Residual Workers Market By AL Yes/NCCI 3 Two declination AK Yes/NCCI Two declination AZ Yes/NCCI Three declination, including one from the State Fund Agent/ ()/ Access? 4 Recommend NWCRP Recommend
Smart, Efficient and Clean Why Businesses are Engaging in Energy Policy
NCSL 2015 Smart, Efficient and Clean Why Businesses are Engaging in Energy Policy PRESENTATION FOR AUGUST 2015 Jonas D. Kron, Esq. Director, Shareholder Advocacy 503-894-7551 jkron@trilliuminvest.com Two
State Corporate Income Tax-Calculation
State Corporate Income Tax-Calculation 1 Because it takes all elements (a*b*c) to calculate the personal or corporate income tax, no one element of the corporate income tax can be analyzed separately from
Understanding Payroll Recordkeeping Requirements
Understanding Payroll Recordkeeping Requirements 1 Presented by Sally Thomson, CPP Directory of Payroll Training American Payroll Association sthomson@americanpayroll.org 2 Agenda Recordkeeping Requirements
I AM STABILITY. You Can Create Income That Never Runs Out. By Adding Annuities to Your Retirement Strategy
You Can Create Income That Never Runs Out By Adding Annuities to Your Retirement Strategy I AM STABILITY A Case Study Using Fixed Annuities and Mutual Funds 9/15 23239-15B Products that Create Cash Flow
STC Insured Deposit Program (STID) Updated 06/16/2016
STC Insured Deposit Program (STID) Welcome to the AIG Federal Savings Bank ( AIG FSB ), d/b/a SunAmerica Trust Company ( STC ) STC Insured Deposit Program. Under this program, available cash balances (from
Employer Q&A (Includes Self-Employed Individuals) Questions and Answers About the Schwab SEP-IRA
Employer Q&A (Includes Self-Employed Individuals) Questions and Answers About the Schwab SEP-IRA Here are answers to some questions you may have about a SEP-IRA. Whether you re self-employed or own a small
What does Georgia gain. by investing in its
What does Georgia gain by investing in its colleges and universities 2 A tremendous return: More economic prosperity. Less government spending. A stronger competitive advantage. A higher quality of life.
Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1
Forethought Medicare Supplement and ForeLife Final Expense Life Insurance Phase 1 FOR AGENT USE ONLY NOT FOR USE WITH CONSUMERS 1 Company History Forethought Financial Group, Inc., through its subsidiaries,
Final Expense Life Insurance
Dignified Choice - Classic Series Final Expense Life Insurance Columbian Mutual Life Insurance Company Home Office: Binghamton, NY Administrative Service Office: Norcross, GA Columbian Life Insurance Company
Welcome! Thanks for investing your time today.
Welcome! Thanks for investing your time today. Please sign in Fill out your name tag Address your mail card It s not about how much money you earn. It s about how much you save and invest. October 2015
Follow a winning strategy with Strategic Comp
Follow a winning strategy with The market is hardening, service is deteriorating, and pricing and losses are on the rise. It s time to make your move. make the right move At, we believe that workers compensation
An Introduction to... Equity Settlement
An Introduction to... Equity Settlement The New York CEMA & Co-op Process June 2009 About Us... Established in 1986 Over 100 Associates Approved Vendor for Bank of America Preferred Vendor for Many National
THE TATITLEK CORPORATION 401(K) PLAN FINAL DISTRIBUTION FORM (888) 477-3135
Return Form To: Northwest Plan Services, Inc. 5446 California Ave SW Suite 200 Seattle, WA 98136 Fax (206) 938-5987 THE TATITLEK CORPORATION 401(K) PLAN FINAL DISTRIBUTION FORM (888) 477-3135 Participant
Fixed Indexed Annuity Rates
Company / Minimum Issue Ages Product Premiums Surrender Charges Last 15 Years Life of the Southwest SecurePlus Accumulator 5 Life of the Southwest SecurePlus Platinum (after 3/21/06) Fixed Indexed Annuity
Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: Continuing Competence
This document reports CEU (continuing education units) and CCU (continuing competence units) requirements for renewal. It describes: Number of CEUs/CCUs required for renewal Who approves continuing education
Premature: under the age of 59½ Normal: over the age of 59½, includes Required Minimum Distributions (RMD) Disability
P 1.800.962.4238 W www.pensco.com Distribution Request 1. ACCOUNT OWNER INFORMATION Please type or print all information requested below. Required fields are denoted by an * (asterisk). *First Name: *MI:
Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN
Instructions Distribution Request for Payment of Qualified Health and Long-Term Care Insurance Premiums THE CITY OF SEATTLE VOLUNTARY DEFERRED COMPENSATION PLAN Retired Public Safety Officers can use this
State Survey Results MULTI-LEVEL LICENSURE TITLE PROTECTION
MULTI-LEVEL LICENSURE TITLE PROTECTION Prior AK MN TN MO AL MO KY VA AZ MS MO DC NYC NE HI ME OR IA RI PA IL TX VA KS WA LA WI MA WV Prior AK ME OR TN AL MI PA HI CO MS FL DC NC MN IA NE UT IL NV WA IN
Standardized Pharmacy Technician Education and Training
Standardized Pharmacy Technician Education and Training Kevin N. Nicholson, RPh, JD Vice President, Pharmacy Regulatory Affairs National Association of Chain Drug Stores May 19, 2009 Overview of how technicians
ANNUITY SUITABILITY WHY REGULATORS ARE CONCERNED. Wisconsin Office of the Commissioner of Insurance
ANNUITY SUITABILITY WHY REGULATORS ARE CONCERNED Wisconsin Office of the Commissioner of Insurance Agenda Why regulators are concerned about suitability. When may a sale be unsuitable. Serious violations.
INTRODUCTION. Figure 1. Contributions by Source and Year: 2012 2014 (Billions of dollars)
Annual Survey of Public Pensions: State- and Locally- Administered Defined Benefit Data Summary Report: Economy-Wide Statistics Division Briefs: Public Sector By Phillip Vidal Released July 2015 G14-ASPP-SL
NHIS State Health insurance data
State Estimates of Health Insurance Coverage Data from the National Health Interview Survey Eve Powell-Griner SHADAC State Survey Workshop Washington, DC, January 13, 2009 U.S. DEPARTMENT OF HEALTH AND
NAAUSA Security Survey
NAAUSA Security Survey 1. How would you rate the importance of each of the following AUSA security improvements. Very important Somewhat important Not too important Not at all important Secure parking
Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers
Broadband Technology Opportunities Program: Sustainable Broadband Adoption and Public Computer Centers National Telecommunications and Information Agency (NTIA) U. S. Department of Commerce Funded by the
Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: License Renewal Who approves courses?
Federation of State s of Physical The table below provides information on approval of continuing education/competence courses and for each jurisdiction. Summary Number of jurisdictions requiring approval
Solutions for the New Retirement Reality
Solutions for the New Retirement Reality Fernando Suarez CFP, CLU, ChFC Managing Director - Wealth Management Advisor May 8 th, 2012 29-5184-02 (10-11) Disclosure The Northwestern Mutual Life Insurance
Payroll Tax Chart Results
Payroll Tax Chart Results Terminated Employee -- Involuntary Terminated Employee -- Vacation Pay Terminated Employee -- Voluntary Taxing Authority Federal Payment Date for Involuntary Termination No provision
In Utilization and Trend In Quality
AHA Taskforce on Variation in Health Care Spending O Hare Hilton, Chicago February 10, 2010 Allan M. Korn, M.D., FACP Senior Vice President, Clinical Affairs and Chief Medical Officer Variation In Utilization
Transfer Payout Annuities
Transfer Payout Annuities Transfers and Withdrawals from TIAA Traditional tiaa-cref.org The TIAA Traditional Annuity In this guide, you ll learn about our Transfer Payout Annuity (TPA), a transfer and
How to Eliminate Your Tax Debt
How to Eliminate Your Tax Debt Bankruptcy Solutions for Tax-Burdened Individuals A White Paper Presented by MARKOWITZ O DONNELL How To Eliminate Your Tax Debt Bankruptcy Solutions for Tax-Burdened Individuals
Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013
Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2013 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists
South Dakota Public Funds Investment Trust (FIT) Fixed Rate Investment Options & Services
South Dakota Public Funds Investment Trust (FIT) Fixed Rate Investment Options & Services FIT Fixed Rate Account Service Features Free multiple accounts Free electronic transfers Online access to account
Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2014
Enrollment Snapshot of, Radiation Therapy and Nuclear Medicine Technology Programs 2014 January 2015 2015 ASRT. All rights reserved. Reproduction in any form is forbidden without written permission from
Table 12: Availability Of Workers Compensation Insurance Through Homeowner s Insurance By Jurisdiction
AL No 2 Yes No See footnote 2. AK No Yes No N/A AZ Yes Yes Yes No specific coverage or rate information available. AR No Yes No N/A CA Yes No No Section 11590 of the CA State Insurance Code mandates the
Oral Health Workforce for Low Income Children
Oral Health Workforce for Low Income Children National Health Policy Forum April 20, 2007 Shelly Gehshan, Senior Program Director National Academy for State Health Policy National Academy for State Health
U.S. Department of Education NCES 2011-460 NAEP. Tools on the Web
U.S. Department of Education NCES 2011-460 NAEP Tools on the Web Whether you re an educator, a member of the media, a parent, a student, a policymaker, or a researcher, there are many resources available
IRA Distribution Form
Use this form to request distributions from your IRA account and to close an IRA. Instructions 1. Complete the form and include any necessary supporting documents. 2. Sign and send us the completed form.
Fidelity Freedom Lifetime Income Annuity *
Fidelity Freedom Lifetime Income Annuity * SECURE A STREAM OF INCOME 1 THAT S GUARANTEED 2 FOR LIFE. Fidelity insurance products are issued by Fidelity Investments Life Insurance Company (FILI) and, in
IRA DISTRIBUTION REQUEST
IRA DISTRIBUTION REQUEST MAILING ADDRESS FOR OVERNIGHT NIGHT MAIL ONLY: Albuquerque, New Mexico 87190 Albuquerque, New Mexico 87112 P: 888-205-6036 F: 505-288-3905 Operations@Horizontrust.com 1. ACCOUNT
States Future Economic Standing
States Future Economic Standing if current education levels remain the same. Presentation by Joe Marks SREB Director of Data Services State Leaders Forum St. Petersburg, Florida November 17, 2004 1 The
Department of Business and Information Technology
Department of Business and Information Technology College of Applied Science and Technology The University of Akron Summer 01 Graduation Survey Report 1. How would you rate your OVERALL EXPERIENCE at The
Vaughan Asset Allocation Investment Program
12/31/2015 Investment Advisors To Multigenerational Investors Member FINRA & SIPC 1 A Separately Managed Account Description: The invests in various asset class securities, commonly Exchange Traded Funds
Health Workforce Data Collection: Findings from a Survey of States
Health Workforce Data Collection: Findings from a Survey of States Jean Moore, DrPH David Armstrong, PhD Health Workforce Technical Assistance Center School of Public Health University at Albany, SUNY
Trends in Medigap Coverage and Enrollment, 2011
Trends in Medigap Coverage and Enrollment, 2011 May 2012 SUMMARY This report presents trends in enrollment in Medicare Supplement (Medigap) insurance coverage, using data on the number of policies in force
STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT
STATE INCOME TAX WITHHOLDING INFORMATION DOCUMENT Zurich American Life Insurance Company (ZALICO) Administrative Offices: PO BOX 19097 Greenville, SC 29602-9097 800/449-0523 This document is intended to
Suitability Agent Continuing Education Requirements by State
Suitability Agent Continuing Education Requirements by State STATE AL AK AZ AR CA CO CT DE DC FL GA HI ID Insurance producers holding a life line of insurance license must complete a one-time 4 hour annuity
The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums
SUMMARY The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums The Affordable Care Act holds health insurers accountable to consumers and ensures that American families receive value for their
FIDELITY CHARITABLE 2013 GIVING REPORT. A Look at Fidelity Charitable Donors, Who They Are and How They Give
FIDELITY CHARITABLE 2013 GIVING REPORT A Look at Fidelity Charitable Donors, Who They Are and How They Give Fidelity Charitable Giving Report 3 INTRODUCTION 4 WHAT IS A DONOR-ADVISED FUND? 5 FIDELITY CHARITABLE
Vocational Rehabilitation
Vocational Rehabilitation Senate Education Appropriations Committee October 7, 2015 Emily Sikes, Chief Legislative Analyst, OPPAGA oppaga THE FLORIDA LEGISLATURE S OFFICE OF PROGRAM POLICY ANALYSIS & GOVERNMENT
Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011
Surety Bond Requirements for Mortgage Brokers and Mortgage Bankers As of July 15, 2011 State Mortgage Broker Bond Cancellation Mortgage Banker Bond Cancellation Notes & Citations AK $75,000 minimum for
Public Policy for Angels. Angels are Important to the Economy: Public Policy Strategies to Promote More Investment in Entrepreneurial Companies
Public Policy for Angels Angels are Important to the Economy: Public Policy Strategies to Promote More Investment in Entrepreneurial Companies Agenda Who angels are and how they support entrepreneurs and
Enrollment Snapshot of Radiography, Radiation Therapy and Nuclear Medicine Technology Programs 2012
Enrollment Snapshot of, and Nuclear Medicine Programs 2012 A Nationwide Survey of Program Directors Conducted by the American Society of Radiologic Technologists January 2013 2012 ASRT. All rights reserved.
Federation of State Boards of Physical Therapy Jurisdiction Licensure Reference Guide Topic: PTA Supervision Requirements
These tables provide information on what type of supervision is required for PTAs in various practice settings. Definitions Onsite Supervision General Supervision Indirect Supervision The supervisor is
Benefits of Selling WorkLife 65
PruTerm WorkLife 65 SM LEARN ABOUT THE PRODUCT AND MARKET Benefits of Selling WorkLife 65 Pru s new and innovative term product will resonate with your clients. WorkLife 65 is a new and innovative term
10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation 11:00 11:30. Scott Coleman. Channel Sales Manager
11:00 11:30 10 Reasons Why Vertex SMB is A Better Way to Handle Your Sales and Use Tax Automation Scott Coleman Channel Sales Manager Agenda Landscape of the Market Today 10 Reasons Why Vertex SMB is a
Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries
Return-to-Work Outcomes Among Social Security Disability Insurance (DI) Beneficiaries Yonatan Ben-Shalom Arif Mamun Presented at the CSDP Forum Washington, DC September 17, 2014 Acknowledgments The research
How To Know What To Do With Stock Options
UNDERSTANDING STOCK OPTIONS From the Exercise and Harvest Strategy to the Capital Loss Whipsaw, here s what you need to know about options. By Monte Marti, CLU, ChFC, WealthStone Financial If employer
State and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004
State and Local Sales Tax Revenue Losses from E-Commerce: Estimates as of July 2004 by Dr. Donald Bruce, Research Assistant Professor dbruce@utk.edu and Dr. William F. Fox, Professor and Director billfox@utk.edu
Aetna Companies: - American Continental Insurance (ACI) - Continental Life Insurance Company of Brentwood, Tennessee (CLI) Genworth Companies
Aetna Companies: - American Continental Insurance (ACI) - Continental Life Insurance Company of Brentwood, Tennessee (CLI) Genworth Companies (administered by Aetna Life Insurance Company): - Genworth
Small Business Credit Outlook
2015 Q1 Small Business Credit Outlook Small Business to the Rescue Small business came to the rescue for the U.S. economy in Q1 2015. GDP surprised on the low side at 0.2% in the 1st quarter and demand
As with the sale of any major insurance purchase, it is imperativive that you closely evaluate
Ubiquitous Financial works with only top-rated Insurance companies offering Annuities. Annuities are a great way to establish wealth and income in the future. Inflation was 3% last year. That means if
How To Know The Nursing Workforce
FAST FACTS The Nursing Workforce 2014: Growth, Salaries, Education, Demographics & Trends RN Job Growth Rate (new and replacement) By State/Region, 2012-2022) 14 states project an annual growth rate of
2013 Best Best & Krieger LLP. Telecommunications Law
2013 Best Best & Krieger LLP State Franchising: An idea whose time has past, whose benefits have failed to appear, but whose damages we see every day. PRESENTED BY Joseph Van Eaton Partner PREPARED BY
Saving for retirement with a 403(b) plan
Saving for retirement with a 403(b) plan 2 Saving for retirement with a 403(b) plan Saving for retirement with a 403(b) plan Retirement can be a welcome turning point in your life a time to enjoy hobbies,
Life Settlements Source List
BROKERS Ashar Group LLC - Life Settlement Specialists 407-772-1818 www.ashargroup.com Except AK NH VT Except AK NH VT Varies based on current market opportunities and groups that pass Ashar s due diligence
Wall Street & California s Student Debt Crisis
ISSUE BRIEF Wall Street & California s Student Debt Crisis Center On Culture, Organizations and Politics Institute for Research on Labor and Employment University of California, Berkeley By Charlie Eaton
When To Refinance. Your Mortgage
When To Refinance Your Mortgage US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15). Licensed
Guardian Variable Annuities, The Guardian Variable Annuities, The ABC...123 Story
Guardian Variable Annuities, The Guardian Variable Annuities, The ABC...123 Story If history is any guide, the only constant is change. And with the recent volatility in the markets, many investors are
GE Inventory Finance. Unlock your cash potential.
GE Inventory Finance Unlock your cash potential. Benefits of Floor Planning Increased sales Interest-free extended terms Ecommerce / Customer Online Management Systems (COMS) (Purchase Approvals / Inventory
2016 Individual Exchange Premiums updated November 4, 2015
2016 Individual Exchange Premiums updated November 4, 2015 Within the document, you'll find insights across 50 states and DC with available findings (i.e., carrier participation, price leadership, gross
ANNUITIES VARIABLE. MetLife Retirement Perspectives. asset allocation questionnaire
LINE BAN ANNUITIES VARIABLE MetLife Retirement Perspectives asset allocation questionnaire Asset Allocation Questionnaire The following questions will enable you to determine your time horizon and risk
Moving TIM from Good to Great?
FHWA Update: Traffic Incident Management Program Moving TIM from Good to Great? Iowa Traffic Safety Forum November 19, 2014 Mr. Jeff King (Retired Capt. AzDPS) Traffic Incident Management Public Safety
Estimating college enrollment rates for Virginia public high school graduates
ISSUES& ANSWERS REL 2011 No. 104 Estimating college enrollment rates for Virginia public high school graduates ISSUES& ANSWERS REL 2011 No. 104 Estimating college enrollment rates for Virginia public high
CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS
CINCINNATI HILLS CHRISTIAN ACADEMY COLLEGE QUESTIONNAIRE FOR STUDENTS Complete & bring with you to your Junior College Planning Meeting. NAME: ADDRESS: EMAIL: BIRTHDATE: PHONE #: DATE: PLEASE READ BEFORE
Franklin Templeton SIMPLE IRA EMPLOYEE S GUIDE
Franklin Templeton SIMPLE IRA EMPLOYEE S GUIDE Franklin Templeton SIMPLE IRA Roadmap to Retirement You ve been offered an opportunity to participate in a Franklin Templeton SIMPLE IRA (Savings Incentive
Public Policy for Angels
Public Policy for Angels Angels are Important to the Economy: Public Policy Strategies to Promote More Investment in Entrepreneurial Companies Agenda Who angels are and how they support entrepreneurs and