Author: David Smith

BEST NEW INCOME IDEA – Strong Day 1 Income FOR LIFE – NO FEES – 7 Year Chassis

Compare Against ANY Other Annuity with Rider  There are so many income rider annuities on the market now that I stopped keeping count. Whether variable, indexed or fixed, the count keeps growing. But can you identify ONE that beats this combination of benefits for immediate income? No Fees! Period! Help Maximize Legacy! 7 Year Surrender Schedule No annuitization! Client Maintains Control. 5.45% Payout FOR LIFE on a 65 Year Old Male or 5.25% FOR LIFE on a 65 Year Old Female. 6.00% Payout FOR LIFE on a 70 Year Old Male or 5.75% FOR LIFE on a 70 Year Old Female. Income Commencement 30 Days After Issue. 45% Participation Rate in the S&P 500 Income Start and Stop Provisions РMaximize Client Flexibility and Legacy. Death Benefit = Premium Minus Withdrawals Plus Interest. Principal Protected From Market Losses. Principal Protected From Fee Erosion. Illustrations Using Historical (Actual) S&P 500 Returns. Call me for details and to discuss your clients who need income SOON! And with all the market volatility, call me for HIGHEST fixed rates and BEST ideas for principal protected indexed annuities. Sincerely, David W. Smith dsmith@theasagroup.com Vice President of Annuities The ASA...

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The Insured Retirement Institute Releases 2 Consumer Education Pieces

The Insured Retirement Institute has released 2 consumer education pieces that have completed a FINRA review. You may read the full article at Planadviser via the following link: https://www.planadviser.com/iri-publishes-retirement-income-education-participants/ Please note that FINRA review does not imply any endorsement by FINRA. Also, registered representatives should always seek approval from their compliance department prior to using marketing/educational materials with the public. PDF: How Will You Get Paid After You Retire? PDF: Social Security Retirement Benefits: What Are They Really Worth? Sincerely, David W. Smith dsmith@theasagroup.com Vice President of Annuities The ASA Group Supporting Financial Advisors Since...

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Pennsylvania recently adopted the NAIC suitability in annuity transactions model

Effective 12/26/2018, producers must complete a one-time, approved, 4-hour training course on annuity products. Existing licensees will have until the end of their first complete license period to complete 4 hours of approved annuity suitability training. Compliance with another state’s training requirements that are substantially similar to this requirement will be deemed in compliance with Pennsylvania’s trainign requirement. An insurer must verify that an insurance producer has completed the annuity training course required. Sincerely, David W. Smith dsmith@theasagroup.com Vice President of Annuities The ASA Group Supporting Financial Advisors Since 1977 Office: 501.400.8580 | Fax: 501.400.8580...

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IRS Raises 2019 IRA and 401(k) Contribution Limits.

Of note to most of us is the IRA contribution limit being raised to $6,000 from $5,500.  This is the first increase since 2013. Please use the IRS website link below to see all changes for 2019. https://www.irs.gov/newsroom/401k-contribution-limit-increases-to-19000-for-2019-ira-limit-increases-to-6000 Sincerely, David W. Smith dsmith@theasagroup.com Vice President of Annuities The ASA Group Supporting Financial Advisors Since 1977 Office: 501.400.8580 | Fax: 501.400.8580...

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