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Commissions vs. Salary

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?

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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Life Insurance - Why Annual Reviews Are Important

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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Changing Careers

It can be exciting changing jobs, whether you're simply changing companies in the same or similar occupation, or taking the big leap from one career to an entirely different one. A career change also presents one with opportunities and decisions regarding their financial plans.

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IRS Announces Pension Plan Limitations for 2012

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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Variable Annuity Manufacturers Jump The Shark

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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Life Insurance has a Distribution Problem

The average age of life insurance agents approaches 60, we're at a 50 year low in individual life insurance ownership, and the industry seems to be wondering what to do next.

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Brent D. Gardner, CLU, ChFC