Thinking long about life
Life Insurance is the foundation and bedrock of many financial plans. For business owners it can be even more important. Should your clients own some life insurance or at least hedge in case they want to later?
Ernst & Young recently published a study with a clear premise: a financial plan that combines permanent life insurance, income annuities and investments is more likely to outperform an investment-only approach over the long term.
How life insurers can provide differentiated retirement benefits
Bond Alternatives
We have all been reminded how bond values shrink when interest rates rise. Someone holding a 10-year treasury will suffer an 8.5% bond value loss with a 1% increase in the rise of interest rates. A 30-year treasury will shrink almost 20%! The 60/40 rule is being questioned and many are rethinking the value of using an annuity in place of some of their bond portfolio.
WSJ: The classic 60-40 investment strategy falls apart.
WSJ: The case for replacing some bonds with annuities.
Business Continuity Planning
Business owners often need to take care of two families: their own family and their business family. Having a continuity plan in place along with proper protection is important. IIC will debut a client friendly Business Planning presentation in late April. Reach out if you would like to share it with your clients!
Interested in learning more about business continuity planning?
Join us for a CFP® CE event on April 26th, 2023 at 10 am, CT.
The Importance of a Business Continuity Plan Details & Registration
Miss the webinar? Email [email protected] to present this to your office or study group.