by Michael Hoffman | Sep 11, 2025 | Agent Advice
Main Takeaways Diversification is critical: A comprehensive retirement strategy requires multiple asset protection layers, including traditional investments, insurance products, and alternative income sources to weather various economic scenarios and life events....
by Michael Hoffman | Sep 4, 2025 | Market Updates, Agent Advice
Key Takeaways Rising rates benefit most insurance products: Higher interest rates generally improve the attractiveness of fixed annuities, universal life insurance, and other rate-sensitive products, creating opportunities to offer more competitive guaranteed returns...
by Michael Hoffman | Aug 26, 2025 | Agent Advice, Client Generation
Key Takeaways CPAs are goldmines for qualified annuity leads because they work directly with affluent clients facing retirement tax challenges that annuities can solve, including tax-deferred growth needs and required minimum distribution planning. Building authentic...
by Michael Hoffman | Aug 13, 2025 | Agent Advice, Client Generation
Key Takeaways Empty nesters represent a significant untapped market with unique insurance needs as their financial priorities shift from child-rearing expenses to retirement planning and wealth preservation Life insurance repositioning opportunities include converting...
by Michael Hoffman | Aug 6, 2025 | Agent Advice
Key Takeaways Social Security alone is insufficient for most retirees, typically replacing only 30-40% of pre-retirement income, creating a significant gap that must be filled through additional income sources and strategic planning. Annuities serve as the cornerstone...
by Michael Hoffman | Jul 30, 2025 | Agent Advice
Key Takeaways Diversify Your Tax Strategy: Don’t put all your retirement savings in tax-deferred accounts like 401(k)s. Incorporate Roth IRAs and properly structured life insurance to create tax-free income streams and avoid creating a “tax time...
by Michael Hoffman | Jul 23, 2025 | Market Updates
Key Takeaways • Market Warning Signs Demand Defensive Action: The S&P 500 has crossed the “line of death” indicator, with extreme valuations and market conditions similar to previous bubble periods, suggesting a significant correction may occur within...
by Michael Hoffman | Jul 22, 2025 | Agent Advice, Client Generation
Key Takeaways: Using Life Insurance for Estate Planning • Massive Tax Savings Potential: Properly structured life insurance can help preserve 85-95% of an estate’s value for beneficiaries, compared to poorly planned estates that typically lose 30-55% to taxes...
by Michael Hoffman | Jul 14, 2025 | Market Updates
Key Takeaways The Big Beautiful Bill (BBB) is a proposed legislation that aims to establish a uniform fiduciary standard for financial advisors and insurance agents, promoting greater transparency and consumer protection in the financial services industry. The BBB...
by Michael Hoffman | Jul 8, 2025 | Agent Advice, Client Generation
Key Takeaways Paid digital advertising can be an effective way for insurance agents to reach new customers and drive more leads and sales. To measure the success of paid digital advertising, insurance agents should track key metrics such as CTR, conversion rate, CPC,...
