Big changes – and big opportunities – are ahead for retirement savers and the insurance and retireme...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        Slow seasons or down time don’t have to result in a sales slump for independent insurance agents and...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        The purpose of the National Association of Insurance Commissioners (NAIC) Suitability in Annuity Tra...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        Reviewing clients’ annuities can be especially fruitful for both clients and your business right now...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        Hundreds of thousands of educators are underserved with their 403(b) retirement accounts, and many o...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        We’ve all seen the advertisements on television and other media telling Medicare clients to call var...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        Converting money from a traditional retirement account to a Roth account is not a new retirement pla...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        Senior Market Sales® (SMS) is always thinking of ways to position insurance and retirement planning ...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        The Latest DOL Fiduciary Advice News Regulators continue to debate the definition of “fiduciary,” ev...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        Annuities are a great way to grow your business and help your clients get the most out of their reti...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        One of the greatest challenges facing insurance and financial planning professionals is how to attra...
      
    
    
    
    
    
  
      
      
        
        
        
           
        
      
    
  
      
  
    
    
      
    
    
    
    
    
    
    
    
    
  
    
    
    
    
      
  
    
  
    
    
    
    
    
    
    
  
    
    
    
    
    
    
    
    
    
    
    
  
    
    
    
    
    
    
      
        There’s no escaping the news about increased market volatility and predictions of a bear market or r...
      
    
    
    
    
    
  
      
      
        
        
        
          