Talk To Local Contacts About The Math Behind Retirement Investing Hot

GatorBobGatorBob  
 
 
0.0 (0)
Write Review

 

Please allow me, a retired journalist and former owner and operator of two small businesses, to air my feelings and opinions.

I’m now 82 years old, 14 years older than my wife. I’m not afraid I will outlive my money, but I am fearful my wife may outlive hers. I become a bit more fearful day by day. It's something I live with every day, perhaps because we did our planning without assistance from a financial advisor. We did a pretty good job of planning financially for me, but we did not take our age difference into account. Suddenly, the mistake looms large.
 
When I retired at age 60, my wife was only 46. This is when we should have financially separated our retirement plans.
 
A financial advisor could have helped me better grow my wealth. Given the opportunity, I know now, a good financial advisor could have put into place a retirement plan that would provided real diversification. What’s really important is that financial advisors reach people like me before it’s too late. What to do?
 
Don’t rely on financial planning seminars that include a free lunch at some hotel. Old-timers are very leery of anything connected to offering something for “free.” We see this as some kind of trick that will eventually include high-pressure tactics designed to get us to accept whatever is presented at “seminars.” No one likes to be pressured into anything. Besides, most old-timers will trick you. They will accept your free meal but under no circumstances engage your services.
 
Newspaper ads that spell out the virtues of retirement planning very effective. While the older generation still reads newspapers, what we look for are discount coupons for food and clothing. 
 
Television advertising is out of reach financially for most advisory firms, but it's also not too efffective. We oldsters usually mute the sound when commercials come on. We take more bathroom breaks than younger people.
 
The Internet won't give you enough penetration. The elderly are generally not skilled at surfing the Net.
 
The best way to reach oldsters is word of mouth. I have no doubt that I would have responded positively if the owner of a small independent financial advisory business in my city had contacted me to explain the math behind the importance of early retirement planning. Age 60 is late, but not too late, for financial planning. Age 46, however, would hae been a great time to start.
 
My wife and I were members of a downtown merchants association, but we never heard the words “retirement planning” mentioned at any of our business meetings or social events.
 
From my perspective, financial planners could benefit greatly by combing their files for satisfied business clients, and then trying to link them to prospective clients in similar businesses. Word of mouth is the best way to advertise any business.
 
Talk to your clients. Talk to your prospects. Then ask them to talk to each other.
 

 

 

This Website Is For Financial Professionals Only


User reviews

There are no user reviews for this listing.
Already have an account? or Create an account

A Strategically Focused CE Curriculum

With classes approved for over a decade by the CFP Board, IWI, and NASBA, Advisors4Advisors CE classes are an optimal knowledge stream for CFP®, CIMA®, CPA, CPA/PFS®, CFA®, and other practitioners. It's not a grab bag of speakers willing to sponsor CE content. Nor is it a one-man CE course. It's a group of subject matter experts with amazing communication skills and a history of thought leadership that, together, give advisors a well-rounded knowledge system for running a professional practice ethically and intelligently.

CE Since October 2008

A4A CE classes for financial professionals began in October 2008, the week Lehman Bros. collapsed. Initially billed as “The Financial Crisis Webinar Series,” A4A connects advisors with authoritative sources on investing, tax, and financial planning, chosen by A4A Editor Andrew Gluck, a veteran financial reporter. A4A members get a stream of CE classes for an advisor who: 

  • holds a CFP®, CIMA®, CPA, CPA/PFS, CFA or other designation requiring CE annually 
  • values monthly CE classes by Fritz Meyer, Craig Israelsen, Bob Keebler, Frank Murtha, or Andrew Gluck
  • diversifies a core of client portfolios in low-expense funds
  • invests based on MPT and economic fundamentals
  • advises on tax and financial planning as well as investing
  • needs financial counseling skills
  • wants the Certified Financial Counselor™ designation 
  • is building a brand as a thought leader locally or in a niche
  • wants the facts when bad news breaks
  • wants CE aligned with a content marketing system
  • wants 24/7 access to CE on-demand
  • insists on objective evidenced-based tax and investment planning analysis

CFP CE Reviews

10
Average Attendee Rating
Poor Average Excellent
"Excellent presentation, and provided a new way to look at portfolio longevity and withdrawal rates."
10
Average Attendee Rating
Poor Average Excellent
"So much information, so little time - Great analysis."
10
Average Attendee Rating
Poor Average Excellent
10
Average Attendee Rating
Poor Average Excellent
"Very good."
7.0
Average Attendee Rating
Poor Average Excellent
10
Average Attendee Rating
Poor Average Excellent
"Very much a 30,000 foot view. Need to find out more about the other 3 courses before signing up."
10
Average Attendee Rating
Poor Average Excellent
10
Average Attendee Rating
Poor Average Excellent
9.0
Average Attendee Rating
Poor Average Excellent
WWMWWM
10
Average Attendee Rating
Poor Average Excellent
"Very Informative !"
6.0
Average Attendee Rating
Poor Average Excellent
"Very painful to listen to. Took too long to get to the points. I may need to listen again to get what he is saying. But then, I'm not..."
10
Average Attendee Rating
Poor Average Excellent
9.0
Average Attendee Rating
Poor Average Excellent
"Great"
10
Average Attendee Rating
Poor Average Excellent
"I thought it was good, Paul made several thought-provoking comments. I expected the session to be more technical based on the topic title. "
MEMBER REVIEWS 
Lynn Najman, CFP®
I’ve subscribed to A4A since its inception, and always find it intellectually stimulating and on point. It’s one of the few CE solutions out there that doesn’t waste my time by pushing product or talking down to me.

PeteDeacon-CPA-CFP

Pete Deacon, CPA, CFP®
A4A has had a profound effect on my business. Since 2009, I’ve relied on the consistent messaging and updates to run my business successfully. Being able to present the information from Bob, Fritz, and Craig's ongoing CE webinars has been a significant benefit.

fredericMayersen-phd-cfp

Fredric Mayerson, MBA, PhD, CFP®
I've been a financial professional and professor of finance for 35 years and find Fritz Meyer and Robert Keebler to be among the most engaging, incredibly knowledgeable, and experienced presenters I’ve encountered. They deliver an extraordinary amount of information in an extremely interesting way — sequentially and developmentally, utilizing pedagogical tools and techniques that few possess.  A4A to is the most consistently excellent CE program available.  
Ron Roge, MS, CFP®
I’ve been attending A4A many years because the CE classes are outstanding, and my time is valuable. Though I have over 35 years of experience, I’m always learning something new on A4A. I attend fewer conferences now because the CE is generally not advanced. If you want to learn from the best, in a faster, easier, and less expensive way, I highly recommend A4A.

John R. Day, CPA/PFS®

I’ve been a member since 2011 and never miss the monthly webinars with Fritz Meyer. I appreciate Fritz’s independent views on the economy and markets and Bob Keebler keeps me updated on excellent tax planning ideas. A4A is a great value!

NormanPolitzinerCFP

Norman Politziner, CFP

I wouldn't miss a Fritz Meyer webinar unless my pants were on fire. I've relied on Andrew Gluck's knowledge systems --client communications and CE -- for two decades. It's simply the best solution for tax, financial, investment, and risk-management professionals.®   

Dan Hawley, CFP® 

A4A, for over a decade, has been a great resource for useful and accurate information and CE. A4A and Advisor Products are bargains for an advisory practice. 

KevinBrosious-CFP-CPA-PFS

Kevin Brosious, MBA, CFP®, CPA/PFS®

I get CPA CE credit and CFP credit for the webinars.  But not only that, the A4A content is terrific