VALUE
ADDED ANALYSIS SERVICES
PERSONAL
VALUES PLANTM
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PERSONAL
VALUES PLANTM ONLINE is our interactive,
unique and proprietary program. It helps an advisor work with
a client to prioritize and balance their assets and cash flow
with their financial goals. It makes the impact of their financial
decisions understandable. Most important, it gives you, as
an advisor, a tool to make simple adjustments and illustrate
their consequences. The understanding achieved solidifies
your relationships and everyone's expectations are clear.
It is a revolutionary process based on simple, yet effective
principles and beliefs that guide and motivate your clients
to commit and take action to strive for their personal values.
Our service creates a feeling of value, supports the concept
of you being professional, objective, and willing to take
the necessary time to do things right, and most important,
is the first step in transforming you into a trusted professional
advisor who is Someone Who CARESTM.
We
have one simple questionnaire that's easy to learn and to
fill out that produces two different reports - one for balancing
someone's money with their goals and one for illustrating
the possible need for life insurance.
| Investment
Analysis For Goals |
"Suitability"
and "know your customer" are a legal and ethical
obligation of anyone that is in the business of helping
clients with their financial challenges. Traditional
methods of determining what is suitable, and planning
tools used to support decisions have recently been proven
to be flawed. Our investment analysis helps a client
make objective, informed goal-based decisions. We utilize
"pre-asset allocation" decision support models
for our clients. Without pre-asset allocation, actual
allocation becomes a misleading exercise. We feel we
have "a better way."
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| Risk
Management For "Life" |
Without
knowing the amount of death benefit that is needed,
the amount becomes a guess. Why not use an analysis
method where objective decisions and their impact can
be clearly understood and the appropriate decisions
can be made. INTERACTIVE ADVISOR LIFE INSURANCETM
is a unique, new concept of merging our needs analysis
and life insurance solutions, which forecasts possible
future changes. This new approach is the result of an
objective and honest appraisal of what (if any) life
insurance need analysis programs are currently available
and what changes would need to be made. Its development
was a colaborative effort between experienced agents,
marketing executives, insurance industry company leaders,
consulting actuaries and prospective clients. The result
is what is being described as a totally new and revolutionary
method of managing a potential capital shortfall if
death were to occur. This will change forever the way
life insurance needs analysis is calculated, solutions
(policies) are manufactured, compensation is determined,
systems used and the image of people in the industry.
INTERACTIVE ADVISOR LIFE INSURANCETM
is NOT JUST A LIFE INSURANCE POLICY. IT IS A PROCESS. |
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MONTE
CARLO SIMULATION
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We
provide Monte Carlo Simulation analysis software which runs
hundreds of thousands of random return scenarios of our investment
models to calculate the mathematical probability of achieving
a client's specific goals. Using technology such as this is
a prudent way of understanding future possibilities and results.
It also is a great tool for clients and advisors to learn
about market fluctuation and risk management techniques. |
VALUEMETERTM
|
A
new, unique and proprietary analysis software appropriately
called VALUEMETERTM that helps
clients and you, their advisor make the RIGHT PERSONAL VALUES-BASED
DECISIONS, while mutually enhancing your respective financial
positions. It helps your client and you compare financial
products, such as mutual funds, variable annuities, fixed
annuities, CDs, etc. based on HISTORICAL RATES OF RETURN minus
EXPENSES (commissions, expense ratios, transaction costs,
bid-asked apread, and market impact), TAXES ordinary income,
dividends, and capital gains), and all ADJUSTED FOR INFLATION.
This illustrates what provides the BEST VALUE for your CLIENTS
and YOU. |
HOME
AS AN INVESTMENT
|
Is
a home a good investment? What affects your investment return
on your home and how do you calculate the rate of return you
will have earned when a home is sold? Are there ways to maximize
a home as an investment? We have a proprietary and unique
software program to answer all of these and other questions
your clients may have. A service like this to help your clients
understand one of their largest assets helps solidify our
relationship as an Advisor Who CARES. |
SPEND
VS. SAVE
|
Clients
need help and motivation in making the decisions to spend
or save for the future. This simple illustration helps educate
someone to make informed decisions. The real cost of something
should include the cost of the "investment opportunity"
that is lost. We illustrate and compare the future values
of both, what they purchased versus the potential value of
a hypothetical investment. |
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