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Commissions vs. Salary PDF Print E-mail
Friday, 25 November 2011 14:24

One of the never ending debates in the financial services industry is how to compensate salespeople. On one end, there's commissions, and on the other end, there's a straight salary. Which one is better?

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Do You Need Tax Deductions? PDF Print E-mail
Sunday, 06 November 2011 11:47

Do you have a tax problem? It is ironic that having a tax problem is a good thing, when compared to the alternative. Fortunately, there are options available to minimize your tax bill.

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IRS Announces Pension Plan Limitations for 2012 PDF Print E-mail
Thursday, 20 October 2011 10:32

Today the Internal Revenue Service announced cost-of-living adjustments that affects limitations for pension plans and other retirement-related items for Tax Year 2012. What this means to you: Larger income tax deductions!

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Life Insurance - Why Annual Reviews Are Important PDF Print E-mail
Tuesday, 18 October 2011 12:40

Your phone rings. You look at the caller ID; notice that it's your life insurance agent. Then you click the ignore key on your cell phone. How much can that one action cost you and your family?

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Variable Annuity Manufacturers Jump The Shark PDF Print E-mail
Friday, 30 September 2011 11:44

This has been long in coming. One of the drawbacks of living benefit riders on VAs is that the primary source of new premium - IRA Transfers and 1035 Exchanges - will dry up (at least until the cost of hedging drops, and the return on insurance company general accounts return to what was originally expected when priced). When a living benefit rider is in the black, meaning it pays to stay more than it can possible pay the client to switch, new premium dries up fast.

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