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HORSESMOUTH
1 day ago · The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, HorsesmouthAssociate Editor.
HORSESMOUTH STORE
All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A 25% discount off of all Horsesmouth products—including Key Financial Data cards and extra Boomer’s Guides. HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you. HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH MASTER MEMBER CENTER Master Membership is the answer for advisors who want to power their business with Horsesmouth. Get all our programs with a single Master Membership. Includes: All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A25%
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move.HORSESMOUTH
1 day ago · The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, HorsesmouthAssociate Editor.
HORSESMOUTH STORE
All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A 25% discount off of all Horsesmouth products—including Key Financial Data cards and extra Boomer’s Guides. HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you. HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH MASTER MEMBER CENTER Master Membership is the answer for advisors who want to power their business with Horsesmouth. Get all our programs with a single Master Membership. Includes: All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A25%
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move.HORSESMOUTH STORE
All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A 25% discount off of all Horsesmouth products—including Key Financial Data cards and extra Boomer’s Guides.HORSESMOUTH
Advocates of passive, index-based investing may be surprised to realize that over 89% of all mutual funds and ETFs are activelymanaged.
HORSESMOUTH
Chart Talk: The unemployment rate for older workers during the pandemic has been higher than for other age groups, but overall, thepandemic has
HORSESMOUTH: SAVVY MEDICARE PLANNING FOR BOOMERS The Boomer's Guide to Savvy Medicare Planning (50 copies): Elaine Floyd, CFP®, Horsesmouth’s Director of Retirement and Life Planning, has worked to develop a client resource on Medicare—one that addresses the basics, but also dives into the more advanced aspects of a complicated topic. HORSESMOUTH: SAVVY SOCIAL SECURITY PLANNING FOR BOOMERS Money is in motion as boomers start retiring. The Great Boomer Retirement Wave is underway with 36+ million MORE pre-retirees ready to file for Social Security. That pipeline should stay full until at least 2028, maybe longer as boomers continue to work. Social Securityis not a
HORSESMOUTH: VIRTUAL SAVVY TAX SCHOOL 12:00-3:00 pm EST/9:00 am-12:00 pm PT. Holders of the CFP® designation will qualify for 12.5 CE credits. (Note: In order to receive credit you must attend the sessions live or take an assessment after watching the video replays.) Sign up for Savvy Tax PlanningSchool Today.
HORSESMOUTH
This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” withoutwarranty
HORSESMOUTH
Here we give you a deep dive on how we use eMoney to make the case for Roth conversions, which have become our go-to weapon in fighting back the onslaught of future taxes. Here is how we convince a client to pay taxes up front in exchange for a future benefit.HORSESMOUTH
He had claimed his benefit at age 62, so his benefit was reduced to $2,100 per month. When he turns 66, he suspends his benefit and receives zero Social Security income from age 66 to 70. When he turns 70 his benefit is automatically resumed at $2,772 ($2,100 x 1.32) plus whatever cost-of-living adjustments (COLAs) have accumulated since age62.
KEY FINANCIAL DATA T CF CL CFC CLTC 2021 begin at AGI of: American Opportunity . Tax Credit/Hope: $2,500 credit. $160,000 joint: $80,000 all others. Lifetime learning credit: $2,000 credit. $119,000 jointHORSESMOUTH
The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, Horsesmouth AssociateEditor.
HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” withoutwarranty
WEP AND GPO
2. Wanda dies and William files for his survivor benefit. Likewise, William’s survivor benefit based on Wanda’s record will be subject to the GPO, reduced by two-thirdsHORSESMOUTH
The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, Horsesmouth AssociateEditor.
HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” withoutwarranty
WEP AND GPO
2. Wanda dies and William files for his survivor benefit. Likewise, William’s survivor benefit based on Wanda’s record will be subject to the GPO, reduced by two-thirdsHORSESMOUTH STORE
All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A 25% discount off of all Horsesmouth products—including Key Financial Data cards and extra Boomer’s Guides. HORSESMOUTH MASTER MEMBER CENTER Master Membership is the answer for advisors who want to power their business with Horsesmouth. Get all our programs with a single Master Membership. Includes: All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A25%
HORSESMOUTH ARTICLE REPRINTS STORE Take the Lead Educating Your Clients. CHALLENGE: You need to communicate more with your clients, who want increased contact and financial education to help them make better decisions. SOLUTION: Send them FINRA-reviewed, custom-branded, professionally written articles about the most important financial questions they face. Welcome to the Horsesmouth Article Reprints Store HORSESMOUTH: SAVVY MEDICARE PLANNING FOR BOOMERS The Boomer's Guide to Savvy Medicare Planning (50 copies): Elaine Floyd, CFP®, Horsesmouth’s Director of Retirement and Life Planning, has worked to develop a client resource on Medicare—one that addresses the basics, but also dives into the more advanced aspects of a complicated topic.HORSESMOUTH
The base premium of $144.60 in 2020 means that the estimated cost of Part B services for the average beneficiary came in at $578.40 per month ($578.40 x .25 = $144.60). So the government’s 75% share of the per-capita Part B cost is $433.80 ($578.40 x .75). To reduce this subsidy paid by the government, the IRMAA forces individuals withincome
HORSESMOUTH
A new SEC rule means that you will be able to collect reviews and testimonials from your clients. Here is what the ruling says and steps to get you started in gathering reviews and implementing client endorsements in your marketing.HORSESMOUTH
Analyzing Potential Roth Conversions With eMoney. Here we give you a deep dive on how we use eMoney to make the case for Roth conversions, which have become our go-to weapon in fighting back the onslaught of future taxes. Here is how we convince a KEY FINANCIAL DATA T CF CL CFC CLTC 2021 begin at AGI of: American Opportunity . Tax Credit/Hope: $2,500 credit. $160,000 joint: $80,000 all others. Lifetime learning credit: $2,000 credit. $119,000 jointNEW TAX LAW
Login. Not a member? Click here to learn more about the New Tax LawBriefing.
SHOULD BUSINESS OWNERS PUT SPOUSE ON PAYROLL FOR SOCIAL | 3. How long will it take to make up that $170,000 in taxes? A long time. By dividing $170,000 by $385, we see that it will take 441 months, or 37 years,HORSESMOUTH
The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, Horsesmouth AssociateEditor.
HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” withoutwarranty
WEP AND GPO
2. Wanda dies and William files for his survivor benefit. Likewise, William’s survivor benefit based on Wanda’s record will be subject to the GPO, reduced by two-thirdsHORSESMOUTH
The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, Horsesmouth AssociateEditor.
HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” withoutwarranty
WEP AND GPO
2. Wanda dies and William files for his survivor benefit. Likewise, William’s survivor benefit based on Wanda’s record will be subject to the GPO, reduced by two-thirdsHORSESMOUTH STORE
All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A 25% discount off of all Horsesmouth products—including Key Financial Data cards and extra Boomer’s Guides. HORSESMOUTH MASTER MEMBER CENTER Master Membership is the answer for advisors who want to power their business with Horsesmouth. Get all our programs with a single Master Membership. Includes: All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A25%
HORSESMOUTH ARTICLE REPRINTS STORE Take the Lead Educating Your Clients. CHALLENGE: You need to communicate more with your clients, who want increased contact and financial education to help them make better decisions. SOLUTION: Send them FINRA-reviewed, custom-branded, professionally written articles about the most important financial questions they face. Welcome to the Horsesmouth Article Reprints Store HORSESMOUTH: SAVVY MEDICARE PLANNING FOR BOOMERS The Boomer's Guide to Savvy Medicare Planning (50 copies): Elaine Floyd, CFP®, Horsesmouth’s Director of Retirement and Life Planning, has worked to develop a client resource on Medicare—one that addresses the basics, but also dives into the more advanced aspects of a complicated topic.HORSESMOUTH
The base premium of $144.60 in 2020 means that the estimated cost of Part B services for the average beneficiary came in at $578.40 per month ($578.40 x .25 = $144.60). So the government’s 75% share of the per-capita Part B cost is $433.80 ($578.40 x .75). To reduce this subsidy paid by the government, the IRMAA forces individuals withincome
HORSESMOUTH
A new SEC rule means that you will be able to collect reviews and testimonials from your clients. Here is what the ruling says and steps to get you started in gathering reviews and implementing client endorsements in your marketing.HORSESMOUTH
Analyzing Potential Roth Conversions With eMoney. Here we give you a deep dive on how we use eMoney to make the case for Roth conversions, which have become our go-to weapon in fighting back the onslaught of future taxes. Here is how we convince a KEY FINANCIAL DATA T CF CL CFC CLTC 2021 begin at AGI of: American Opportunity . Tax Credit/Hope: $2,500 credit. $160,000 joint: $80,000 all others. Lifetime learning credit: $2,000 credit. $119,000 jointNEW TAX LAW
Login. Not a member? Click here to learn more about the New Tax LawBriefing.
SHOULD BUSINESS OWNERS PUT SPOUSE ON PAYROLL FOR SOCIAL | 3. How long will it take to make up that $170,000 in taxes? A long time. By dividing $170,000 by $385, we see that it will take 441 months, or 37 years,HORSESMOUTH
The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, Horsesmouth AssociateEditor.
HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” withoutwarranty
WEP AND GPO
2. Wanda dies and William files for his survivor benefit. Likewise, William’s survivor benefit based on Wanda’s record will be subject to the GPO, reduced by two-thirdsHORSESMOUTH
The Case for Advisors Becoming Cybersecurity Guides. People and businesses can vastly improve their cybersecurity with just a small amount of knowledge and action. Be the professional to help the public guard against the cybersecurity threat. With Sean M. Bailey, Horsesmouth Editor in Chief; and Devin Kropp, Horsesmouth AssociateEditor.
HORSESMOUTH: HORSESMOUTH WORKSHOPS Extraordinary Advisor MasterclassVirtual Workshop: April 1–May 14, 20217 sessions on Fridays (Week 1 is on Thursday, April 1) Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business.HORSESMOUTH
US (888) 336-6884 CA (877) 881-8883 Topic Headline Author. Login HORSESMOUTH: KEY FINANCIAL DATA FOR 2020 Key Financial Data, 2020 that you can send in the mail, hand out in person and include in any other client or marketing campaigns. The branded, coated, 8.5 x 11 Key Financial Data card is the type of client handout that reinforces your reputation as a client-centered, forward-thinking advisor. SPECIAL ALERT: Unlimited PDF updatesthroughout the
HORSESMOUTH
Source: Tim Gallwey. Self-1 is often critical and controlling and is the voice in our heads that interferes with our performance by running a constant critical commentary. This commentary has usually come about from all the “shoulds,” “oughts” and rules that we have absorbed from parents, teachers, figures of authority, and in Tim’s case, tennis coaches. HORSESMOUTH: 50 THINGS Advisor and Horsesmouth columnist Bill Smith came up with a FINRA-reviewed list to help you communicate your role to your clients. It's called: " 50 Things: What a Professional Financial Advisor Does For You ." Some of the 50 things included in the list are: Prepares a financial plan and/or an investment policy statement for you.HORSESMOUTH
The Roth IRA is an incredibly effective tool that can save clients lots of taxes down the road. Nevertheless, a Roth is not right for every situation, all of the time. Consider these potential disadvantages before you make the move. HORSESMOUTH: SOCIAL SECURITY MASTERY PROGRAM It's called the Social Security Mastery Program. And the program is designed for advisors who want the best available resources to help their clients make smart retirement income decisions— but who don't want to put on client education workshops and seminars as part of their business development strategy.HORSESMOUTH
This material is provided exclusively for use by Horsesmouth members and is subject to Horsesmouth Terms & Conditions and applicable copyright laws. Unauthorized use, reproduction or distribution of this material is a violation of federal law and punishable by civil and criminal penalty. This material is furnished “as is” withoutwarranty
WEP AND GPO
2. Wanda dies and William files for his survivor benefit. Likewise, William’s survivor benefit based on Wanda’s record will be subject to the GPO, reduced by two-thirdsHORSESMOUTH STORE
All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A 25% discount off of all Horsesmouth products—including Key Financial Data cards and extra Boomer’s Guides. HORSESMOUTH MASTER MEMBER CENTER Master Membership is the answer for advisors who want to power their business with Horsesmouth. Get all our programs with a single Master Membership. Includes: All memberships—all the technical training, client education, communication and marketing support for one price, in one place, on one annual billing cycle, for you and your team. A25%
HORSESMOUTH ARTICLE REPRINTS STORE Take the Lead Educating Your Clients. CHALLENGE: You need to communicate more with your clients, who want increased contact and financial education to help them make better decisions. SOLUTION: Send them FINRA-reviewed, custom-branded, professionally written articles about the most important financial questions they face. Welcome to the Horsesmouth Article Reprints Store HORSESMOUTH: SAVVY MEDICARE PLANNING FOR BOOMERS The Boomer's Guide to Savvy Medicare Planning (50 copies): Elaine Floyd, CFP®, Horsesmouth’s Director of Retirement and Life Planning, has worked to develop a client resource on Medicare—one that addresses the basics, but also dives into the more advanced aspects of a complicated topic.HORSESMOUTH
The base premium of $144.60 in 2020 means that the estimated cost of Part B services for the average beneficiary came in at $578.40 per month ($578.40 x .25 = $144.60). So the government’s 75% share of the per-capita Part B cost is $433.80 ($578.40 x .75). To reduce this subsidy paid by the government, the IRMAA forces individuals withincome
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A new SEC rule means that you will be able to collect reviews and testimonials from your clients. Here is what the ruling says and steps to get you started in gathering reviews and implementing client endorsements in your marketing.HORSESMOUTH
Analyzing Potential Roth Conversions With eMoney. Here we give you a deep dive on how we use eMoney to make the case for Roth conversions, which have become our go-to weapon in fighting back the onslaught of future taxes. Here is how we convince a KEY FINANCIAL DATA T CF CL CFC CLTC 2021 begin at AGI of: American Opportunity . Tax Credit/Hope: $2,500 credit. $160,000 joint: $80,000 all others. Lifetime learning credit: $2,000 credit. $119,000 jointNEW TAX LAW
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SHOULD BUSINESS OWNERS PUT SPOUSE ON PAYROLL FOR SOCIAL | 3. How long will it take to make up that $170,000 in taxes? A long time. By dividing $170,000 by $385, we see that it will take 441 months, or 37 years,MEMBER LOGIN
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HOW DO YOU ANSWER LIFE’S TOUGH FINANCIAL QUESTIONS? * With three kids, how do we get the best deal on college? * How do we deal with RMDs across our four retirement accounts? * Should I move from Medicare Advantage to Medicare Supplement? * What happens when grandparents help pay for college costs? * Are there income limits for doing a Roth conversion? * Can I file for retroactive Social Security benefits at 64? * Can my daughter get a merit scholarship without being atop student?
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* I missed a required distribution. What should I do? * If we leave the country for a year, should we dis‑enrollfrom Medicare?
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* What colleges offer the best financial aid packages? * What is the best repayment plan for a federal student loan? * If I stop using my HSA, what happens to it? * When do RMDs begin for inherited IRAs? * I just inherited an IRA. What should I do now? * How do we protect our financial accounts online? * If I retire early, will my pension impact my Social Security? * As a federal employee, should I Sign Up for Medicare at 65? X Get the education, tools, client answers, analysis, marketing programs and communications you need to help Boomers maximize their Social Security decisions. Your browser does not support the video tag.X
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Every day, receive new ideas and insights on business development, financial planning and practice management from hundreds of top experts and advisors. Processing free trial request X Get comprehensive access to the full range of Horsesmouth memberships. Your browser does not support the video tag. Show me all the details! FINANCIAL PROS COME TO HORSESMOUTH FOR ANSWERS. Our portfolio of services provides the latest education, tools, marketing and support: Most people leave money on the table with Social Security. Gain access to the education, tools and answers you need to help clients make smart decisions and maximize their benefits. Comprehensive marketing and communications program included.Learn More
------------------------- Everyone must sign up for Medicare, yet few people understand what to do. Help clients avoid the pitfalls and put this critical piece of the retirement planning puzzle into place. Comprehensive marketing and communications program included.Learn More
------------------------- Help clients and prospects protect themselves from the growing epidemic of identity theft, credit card fraud, phishing scams and ruinous hacks. Show them how to improve their Cybersecurity Score. Comprehensive marketing and communications program included.Learn More
------------------------- With the arrivals of both the DOL ruling and the wave of Boomer RMDs (required minimum distributions), it is more important than ever before to be fully competent in IRA planning. Get up to speed, now. Comprehensive marketing and communications program included.Learn More
------------------------- Help parents save money and their sanity as they search for the colleges right for their kids. Show them how to discover the true costs, get the best deals, and maximize their financial aid opportunities. Comprehensive marketing and communications programincluded.
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------------------------- Help clients and prospects through the process of setting up a caregiving plan. Guide and encourage them with valuable resources on the medical, financial, legal, and emotional aspects of caregiving. Comprehensive marketing and communications program included.Learn More
------------------------- Strategies for helping your clients transfer their assets to the next generation. Make sure they have a good plan in place to pass on the wealth they have accumulated, financial and otherwise. Comprehensive marketing and communications program included.Learn More
------------------------- Two programs in one. Help retirees pay lower taxes by developing a retirement tax planning strategy. Also, educate all clients on how to best take advantage of the new tax rules. Comprehensive marketing and communications program included.Learn More
FINANCIAL PROS ALSO COME TO GROW THEIR BUSINESS. Our business development and practice management services help youmake it happen:
Every day, receive the latest insights, how-to articles and best practices for running a modern financial services practice. Learn from hundreds of top advisors and experts.Free Trial
------------------------- Help your clients and prospects throughout the year. Tap into a constantly updated and expanding set marketing and client communications campaigns (FINRA‑reviewed).Learn More
------------------------- Build your network of CPAs, attorneys and other COIs with new strategies and tactics. Includes ongoing communications, article reprints, and presentations (FINRA‑reviewed).Learn More
HORSESMOUTH MASTER MEMBERSHIP Get comprehensive access to the full range of Horsesmouth memberships. Consolidate existing memberships into a single Master Membership, and get all the technical training, client education, communication and marketing support, in one place for you and your team. * The most efficient and simple way to get it all * Extra logins for two team members * Get new materials for all programs every year * Apply existing credits for lowest first-year rate * 25% discount off Horsesmouth workshops * 25% discount off Horsesmouth productsLearn More
UPCOMING EVENTS
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SHOW CLIENTS WHEN TO CLAIM THEIR SOCIAL SECURITY BENEFITS These must-have tools for financial advisors can help you instantly recognize the maximum benefit scenario, suggest a popular “hybrid” scenario, identify valid spousal strategies, and more. With Elaine Floyd, CFP®, _Director of Retirement and Life Planning_ Monday, November 30, 2020 at 2:00 p.m. ET / 11:00 a.m. PTSign Up
-------------------------Workshop
BOOMER SPIKE COMING! FOUR-DAY INTENSIVE SOCIAL SECURITY/MEDICARE WORKSHOP Deepen your understanding of the nuances, learn the range of claiming strategies, and build your base of Social Security and Medicareexpertise.
With Elaine Floyd, CFP®, _Director of Retirement and Life Planning;_ and Sean M. Bailey, _Horsesmouth Editor in Chief_ Virtual Workshop: December 7–10, 2020; February 22–25, 2021Sign Up
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EXTRAORDINARY ADVISOR VIRTUAL MASTERCLASS Become an extraordinary advisor who creates more influence, impact, and income, no matter what the markets are doing. Learn the “right-brain techniques” for growing a deeply personal and successful business. With With Ellen Rogin, CPA, CFP® Virtual Workshop: November 6–December 18, 2020 7 sessions on Fridays (Week 4 is on Tuesday, November 24)Sign Up
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5 WAYS RETIREMENT PLANNING CHANGES UNDER THE SECURE ACT AND CARES ACT The SECURE Act and CARES Act have brought major changes to retirement planning for 2020 and beyond. From a new RMD age to the death of the stretch IRA, learn how to help your clients in this new landscape. With Jeffrey Levine, CPA/PFS, CFP®, AIF®, CWS®, MSA Wednesday, December 9, 2020 at 4:00 p.m. ET / 1:00 p.m. PTSign Up
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GETTING NEW CLIENTS IN THE PANDEMIC WORLD: THE KEY SOLUTIONS FOR 2021AND BEYOND
Join us as we examine how the financial advisory business has changed and propose a solution for 2021 that will smartly grow your business, your brand, and your new client list. With Chris Holman, PCC, _Executive Coach;_ and Sean M. Bailey, _Horsesmouth Editor in Chief_ Thursday, December 10, 2020 at 4:00 p.m. ET / 1:00 p.m. PTSign Up
-------------------------Free Webinar
5 FACTS BOOMERS NEED TO KNOW ABOUT MEDICARE What happens if you don’t enroll in Medicare on time? How does private insurance work with Medicare? What can you expect to pay for health care through Medicare? Get the answers to these and other important Medicare questions. With Elaine Floyd, CFP®, _Director of Retirement and Life Planning_ Monday, December 14, 2020 at 2:00 p.m. ET / 11:00 a.m. PTSign Up
-------------------------Free Webinar
2021 KILLER MARKETING IDEAS AND TRENDS Put the ‘new’ in New Year with this look at new marketing ideas—both online and off—that will get you noticed and remembered by clients, prospects, referrals and COIs. With Sean M. Bailey, _Horsesmouth Editor in Chief_ Thursday, December 17, 2020 at 4:00 p.m. ET / 1:00 p.m. PTSign Up
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THE FINANCIAL EDUCATOR WEBINAR COACHING PROGRAM Learn to master being a virtual financial educator. Present webinar presentations with confidence and add millions in new assets everyyear!
With Sean M. Bailey, _Horsesmouth Editor in Chief_ and Chris Holman, _Executive Coach_ Virtual Workshop: January 6–April 28, 2021Sign Up
-------------------------Workshop
“NEW NORMAL” PRACTICE MANAGEMENT WORKSHOP Transform your business into a profit machine with the capacity, systems, and services to attract a whole new level of clients. With Debra Taylor, CPA/PFS, JD, CDFA, _Taylor Financial Group, LLC;_ Virtual Workshop: January 11–14, 2021Sign Up
-------------------------Workshop
SAVVY TAX PLANNING SCHOOL FOR FINANCIAL ADVISORS Now a four-day virtual workshop—watch from your home or office. Your ability to deliver proactive tax strategies will help clients avoid costly mistakes, minimize tax surprises, and boost their satisfactionwith your services!
With Debra Taylor, CPA/PFS, JD, CDFA, _Taylor Financial Group, LLC;_ and Jeffrey Levine, CPA/PFS, CFP®, AIF®, CWS®, MSA Virtual Workshop: January 25–28, 2021Sign Up
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KEY TAX CHANGES FROM THE TAX CUTS AND JOBS ACT Easy to comprehend at a glance, this quick-reference card tells you what the new tax laws are and how they differ from the old ones.Learn More
------------------------- KEY FINANCIAL DATA FOR 2021 Sending your clients a customized (Preliminary) Key Data Card is a simple way to remind them that you’re looking out for their best financial interests. Also great for sharing with key strategic allies.Learn More
------------------------- THE FAMILY GUIDE TO CAREGIVING This 3-panel, 6-sided, 8.5" x 11", laminated reference guide for clients reinforces your expertise and helps to explain how every client can consider and put in place a family caregiving plan.Learn More
------------------------- THE BABY BOOMER’S GUIDE TO LEGACY PLANNING This 3-panel, 6-sided, 8.5" x 11", laminated reference guide for clients walks readers through the six steps of legacy planning and explains the importance of acting now.Learn More
------------------------- THE SAVVY PARENTS’ GUIDE TO CUTTING COLLEGE COSTS This 3-panel, 6-sided, 8.5" x 11", laminated reference guide for clients reinforces your expertise and helps to explain key concepts every client must consider when making college planning decisions.Learn More
------------------------- THE BABY BOOMER’S GUIDE TO SOCIAL SECURITY This 3-panel, 6-sided, 8.5" x 11", laminated reference guide gives your clients a solid overview of how Social Security works. Perfect to handout at client meetings about retirement income planning.Learn More
------------------------- HACK-PROOF YOUR LIFE NOW! Position yourself as the go-to resource for cybersecurity safety to your clients and prospects. This book is designed to teach you and your clients about the biggest cybersecurity threats we all face everysingle day.
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------------------------- RETIREMENT CALENDAR CHECKLIST FOR 2021 Remove a little pain from your clients’ lives by acting as their retirement guide star over important dates, details, and deadlines throughout the year.Learn More
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Horsesmouth designs custom programs for wealth management firms, broker dealers, RIAs, asset managers, insurance companies, banks and others. Our corporate partners range in size from the largest financial services companies to small shops. We collaborate with partners on a wide variety of initiatives, including the following: * Enterprise programs* Custom programs
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Horsesmouth helps financial professionals educate their clients and grow their businesses. Every day, we serve tens of thousands of advisors, consultants, agents, accountants and other professionals, representing every major financial firm and business model. We are guided by extensive primary research and two decades of experience. The company was founded in 1996 and is headquartered in midtown Manhattan, with employees spread out across the country.Management Team
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