Tag Archives: #FinancialProfessionals

Episode 235 – Redefining Financial Security for an Aging, Affluent America with Jameson Mulshenock



Jameson Mulshenock is a Divisional Sales Manager at Lincoln Financial, a firm that has been helping millions of people plan, protect, and retire for over a century.

This episode explores how Lincoln Financial is addressing the financial planning challenges of an aging, affluent population by introducing innovative benefits that provide lifetime income and secure wealth transfer for future generations.

Also discussed:

  • How the aging population is reshaping financial planning, with a focus on ensuring retirement income and dependents’ financial security.
  • High net worth investors, who hold nearly half of U.S. investable assets, mainly focusing on wealth preservation, tax reduction, and asset transfer, as $84 trillion is set to change hands in the coming decades.
  • Lincoln Financial introduced a new benefit that allows affluent clients to secure lifetime income while ensuring their beneficiaries receive either the greater of the investment amount or account value upon their passing.
  • They highlight scenarios where this benefit can support clients, especially for couples with age differences, those interested in tax-efficient wealth transfer, and individuals fulfilling required minimum distributions.

 

Resources: 

Lincoln Financial

 

This information is for general educational purposes and is not intended to provide investment advice nor are we soliciting any action based upon it, nor should it be construed as a recommendation or solicitation to buy or sell any security.

Lincoln Financial affiliates, their affiliated distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or financial advice. Clients should consult their own independent professionals as to any tax, accounting, or financial information contained herein.

Annuities are long-term investment products that offer a lifetime income stream, access to leading investment managers, options for guaranteed growth and income (available for an additional charge), and death benefit protection. To decide if an annuity is right for you, consider that its value will fluctuate; it’s subject to investment risk and possible loss of principal; and there are costs associated. All guarantees, including those for optional features, are subject to the claims-paying ability of the issuer.

Lincoln annuities are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.

Lincoln Financial is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.


Episode 179 – Direct Indexing Demystified: Personalized Wealth Strategies with Dave Gordon



David Gordon is the Senior Vice President of Direct Indexing at Vestmark: a wealthtech firm that provides portfolio management solutions and outsourced services to financial professionals.

In this podcast, Dave and Doug discuss how advisors can use tax management methods to attract and retain clients, ultimately helping them grow their businesses.

They also discussed:

  • Tax management’s role in client support and advisor-client retention.
  • The importance of tax efficiency for differentiating advisor services.
  • Both the challenges and benefits of separately managed accounts (SMAs) for RIAs.
  • Direct indexing: concept, advantages, and performance.
  • Personalization through direct indexing for tailored tax outcomes.
  • The scale challenges in implementing tax-efficient strategies.
  • Vestmark’s software support for tax-efficient strategies, especially for smaller RIAs.

 

Resources: 

Vestmark


Episode 167 – Integrating Protection Products with Tim Seifert



Tim Seifert is the Senior Vice President and Head of Retirement Solutions Distribution at Lincoln Financial Group.

In this podcast, Tim and Doug discuss the conversation around annuities as well as education surrounding financial protective products.

They also discussed:

  • What advisors can do to help pre-retiree clients best plan to avoid future regret
  • The trends Lincoln and the financial professionals they work with have seen in terms of demographics 
  • Why Advisors are great on the accumulation portion of managing their client’s assets but have issues with decumulation
  • Educating advisors on the importance of having a decumulation strategy as a part of their plan
  • The value Lincoln Financial brings to financial professionals and consumers with its suite of protection-first products
  • How the industry can move forward to help consumers achieve their goal of protection 

 

Resources: 

Lincoln Financial Group


Episode 166 – Financial Vulnerability to Financial Security with Anne Aldrich



Anne Aldrich is the Head of Research for the Alliance for Lifetime Income, an organization creating awareness and educating Americans about the value and importance of having protected lifetime income in retirement.

In this podcast, Anne unpacks the research and studies the Alliance for Lifetime Income has been following, bringing insights into how both financial professionals and consumers can prepare and become secure in their retirement protection plans.

They also discussed:

  • The Protected Retirement Income and Planning study and what it reveals about the changing views on the security of retirement
  • The difference between the views of investors and advisors relating to retirement income protection
  • The opportunity for financial professionals to clarify the purpose and alternatives within the retirement planning process with their clients
  • Advisor’s appreciation for the role that annuities can play in their client’s portfolio
  • The 6040 portfolio and if financial professionals are open to change regarding that standard
  • The economic shocks and other factors that are creating uneasiness about people’s retirement savings lasting their lifetime
  • The “Peak 65” phenomenon of the US approaching the greatest surge of new retirees in history 
  • What the data uncovers about the preparedness of financial professionals and consumers for the retirement wave

 

Resources: 

Alliance for Lifetime Income