S&P Overvalued, Set To Fail

Economist Andrew Smithers notes the S&P is overvalued by more than 40% in a Bloomberg.com article released this week! The overvaluation is due, in part, to central banks that have pulled back on securities purchases that pushed up asset prices months ago.

Andrew Smithers is quoted as saying: “Quantitative easing has set off another sharp, and so far containable asset bubble, But if it gets too high and starts to come down then we’ll go straight back” into recession.

Your clients need your advice more now than ever. Help your prospects lock in their gains, and keep their hard earned money safe. For a full copy of the Bloomberg.com article, contact me today.

Stay focused.
MJN

Empowering the Country’s Best Advisors to Become Better.
Click Here for More on "The Advisor's Advisor"

825 S. Kansas Avenue, Suite 510 ::: Topeka, KS ::: 66612
866.363.9595 ::: matt.neuman@advisorsexcel.com

3rd Party FIA Study :: Updated and Hot off the Press!

The 3rd party study, Real World Index Annuity Returns, featuring David Babbel and the Wharton School of Busienss has been updated to include more positive indexed annuity information.

In the study, FIA expert Jack Marrion contributes meaningful information for your clients, like the quotes below:
"Principal preservation products have evolved to address the needs of many risk-averse consumers by providing them a safety net for their investment/savings capital. These data indicate that most of the positive market return over time comes from relatively few performers, which lends support to the use of stock index strategies as part of an overall portfolio. Furthermore it supports the notion that there is significant risk in the stock market and thus, for moderately to highly risk-averse clients, the need for principal protection programs such as fixed indexed annuities (FIA’s). Nearly 96% of FIA’s possess reset (or ratchet) features that allow for locking in positive returns each annual or biannual period. By eliminating the prejudicial effects occasioned by significant stock market declines, and locking in returns annually or biannually, there is less of a need to try and capture large upside market swings to recoverfrom the declines.”

Also included is a reality chart comparing FIA gains to S&P actual return. The results are beyond impressive, showing an average annuity gain of 5.79% each year.

For your updated copy of the Real World Index Annuity Returns Study, contact me today.Stay focused and finish October strong.

MJN

Empowering the Country’s Best Advisors to Become Better.
Click Here for More on "The Advisor's Advisor"

825 S. Kansas Avenue, Suite 510 ::: Topeka, KS ::: 66612
866.363.9595 ::: matt.neuman@advisorsexcel.com

TIME Magazine Feature :: Why It’s Time to Retire the 401(k)

Just today, TIME Magazine hit newsstands with the cover story Why It’s Time to Retire the 401(k). This article hits on several points about why clients close to retirement, those between 55-65, should roll their 401(k) to something safer, and something with an insurance guarantee.

Here is a small sample from the featured article:
“The ugly truth, though, is that the 401(k) is a lousy idea, a financial flop, a rotten repository for our retirement reserves… In what must seem like a cruel joke to many, the accounts proved the most dangerous for those closest to retirement. During the market downturn, the 401(k)s of 55-to-65-year-olds lost a quarter more than those of their 35-to-45-year-old colleagues. That's because in your early years, your 401(k)'s growth is driven mostly by contributions. You control your own destiny. But the longer you hold a 401(k), the more market-exposed it becomes. It's a twist that breaks the most basic rule of financial planning.’’ The article then goes on to say that those near retiring need to have an insurance plan for their funds, or else 44% of Americans are in danger of going broke during their retirement years.

What a powerful statistic to use in client appointments and meetings! For a complete copy of the TIME article, please contact me today. the goal is you can always use my materials to help clients make better decisions.

MJN

Empowering the Country’s Best Advisors to Become Better.

Click Here for More on "The Advisor's Advisor"
825 S. Kansas Avenue, Suite 510 ::: Topeka, KS ::: 66612
866.363.9595 ::: matt.neuman@advisorsexcel.com

New Financial Language

I ran across a fun piece that you should take a look at from the Journal of Financial Planning.
It’s called “New Financial Language” and has some funny things you can use in seminars and appointments. Lightening up your seminar crowd might be easier with some of these:

October is proving to be one of the biggest months for most of the advisors I work with. Let me know what I can be doing to help close out 2009 as your best year yet!

MJN

Empowering the Country’s Best Advisors to Become Better.

Click Here for More on "The Advisor's Advisor"

825 S. Kansas Avenue, Suite 510 ::: Topeka, KS ::: 66612

866.363.9595 ::: matt.neuman@advisorsexcel.com

Another Published Article!

I am fortunate enough to be featured/published again, in the most recent edition of Agent Sales Journal, thank you very much to their editorial team.

To read "Keep Your Top Clients - and Attract Your Top Prospects", find page 10 of the most recent edition or click: http://www.agentssalesjournal.com/content/view/1472/.

This marks the 4th time I've been published in 2009. Others include:

• InsuranceNewsNet: Dangerous Demand
• ProducersWeb: Unprecedented Annuity Demand to Outweigh Supply and
• ProducersWeb: I was ready to retire: The opportunity of 2009

Thank you to everyone who follows me on this blog and throughout our weekly Sales Adrenaline tips. I'll work harder than anyone in the country to increase business together.

Make it a profitable week and stay focused!

MJN

Empowering the Country’s Best Advisors to Become Better.

Click Here for More on "The Advisor's Advisor"
825 S. Kansas Avenue, Suite 510 ::: Topeka, KS ::: 66612
866.363.9595 ::: matt.neuman@advisorsexcel.com