Sales Week: Simple ways to help your clients improve their fiscal fitness

TIPS FOR STRONG FISCAL FITNESS

As the New Year begins, you may have clients coming to you with questions about their financial strategy for the future – or you may be looking for a touchpoint to give them a reason to meet with you.

One way to bring value to your relationship is to share tips to help them start off the year strong. 

Create a budget. Use this opportunity to help clients set or evaluate their budget and see what goals they would like to achieve. Allow for unexpected expenses like taxes, cost of living and other investments. They should also consider the needs of any dependents or beneficiaries who may rely on them financially.

Pay off debt. Clients who reduce debt eliminate the burden of payments and can improve their credit score. By helping clients create a strategy for paying down any debt, you can help them be on their way to reaching their retirement goals.

Wait to take retirement income. Resisting the temptation to begin taking their money too soon can help your clients avoid tax penalties. And fixed index annuities by EquiTrust can help clients bridge the income gap before taking Social Security benefits.

Evaluate cash flow. Help them understand what they’re spending now and what they’re saving for the future. Show them how their retirement strategy is progressing, and suggest changes they could make to meet their financial goals. If you haven’t already, take this opportunity to set up annual review appointments. And use this Income, Assets and Expenses worksheet to capture their information and recommend any adjustments.

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To talk through ways you can help your clients have a
healthy financial future, call 866-598-3694.