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Robert B. Ritter Jr.
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I help financial service professionals identify, understand, and capitalize on planning opportunities that exist or arise due to market conditions or tax law.
I help financial service professionals identify, understand, and capitalize on planning opportunities that exist or arise due to market conditions or tax law.

70 followers
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Strategic Alert #11 is to highlight a portion of the Main Platform on Day 2 of the 2018 InsMark Symposium East, The Qualified Leverage Strategy (QLS)
https://www.insmark.com/sites/default/files/SA11.pdf #InsMark #InsMarksAdvancedConsultingGroup https://youtu.be/yZoJtYOe1cg For those with $500,000 or more in qualified plan/traditional IRA balances, QLS is an alternative that every client should consider. Several different case study examples will be explored during Don’s Symposium session along with details on how to implement these plans with your existing clients immediately.
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Strategic Alert #10 is to highlight a portion of the Main Platform on Day 1 of the 2018 InsMark Symposium East, The Triple Play of Executive Trifecta® https://www.insmark.com/sites/default/files/SA10.pdf #InsMark #ExecutiveTrifecta #InsMarkIllustrationSystem https://youtu.be/yZoJtYOe1cg Designing benefit plans for important, non-owner officers of any organization is a lucrative marketplace. Executive Trifecta provides you with an unusual competitive opportunity because of these features: Funding has a positive impact on sponsor’s P&L in early years; Indemnity for the firm if the participant dies; No out-of-pocket costs for the participant; Survivor benefits for the participant’s family; Tax-free retirement benefits; “Golden handcuffs” that improve retention. #RetirementPlanning
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Strategic Alert #9 is to highlight a portion of the Main Platform on Day 2 of the 2018 InsMark Symposium East - Term vs. Permanent life insurance - “Buy term and invest the difference” continues to be the siren song of the uninformed – folks like Dave Ramsey and Suze Orman. Add to this the occasional CPA or attorney who can often throw a stink-ball into your presentation with a question like this, “Why would you pay $20,000 for something you could get for $500?” https://www.insmark.com/sites/default/files/SA9.pdf If this is the extent of the analysis, why indeed? But there is so much more to consider, and in this Symposium session, I will explore three new ways to deal with this Permanent vs. Term argument. Listen to what fellow producers have to say about the InsMark Symposium. https://youtu.be/yZoJtYOe1cg #InsMark #InsMarkIllustrationSystem #WealthyAndWise #Term Life Insurance vs. #Permanent Life Insurance #IUL
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From the research I’ve been doing on Twitter, Facebook, and Instagram, Millennials, in particular, are not getting much of a message about the value of 21st century, cash value life insurance. Blog #179 is my attempt to equip upscale Millennials with sufficient information to identify a financial adviser skilled in the living uses of modern-day life insurance, especially indexed universal life. It is a remarkable product in my estimation. #Millennials http://www.robert-b-ritter-jr.com/2018/07/31/blog-179-helping-millennials-with-financial-decisions/ #IndexedUniversalLife #Investments #FinancialPlanning #RetirementPlanning #TaxPlanning #LifeInsurance #InsMark #InsMarkIllustrationSystem #IUL I also hope my readers will encourage the Millennials they know to read Blog #179 to learn the unique features of indexed universal life.
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Strategic Alert #8 is to highlight a portion of the Main Platform on Day 2 of the 2018 InsMark Symposium East For my Symposium presentation on this subject, I will share a new variation called Exceptional Split Dollar believed by all who have seen it to be superior to “Jim Harbaugh” Split Dollar as it requires no payments or taxes from the covered executive. Exceptional Split Dollar produces more favorable results to both the employer and executive than the equity split dollar and reverse split dollar strategies of the 1970s, 1980s, and 1990s, the designs of which were always somewhat speculative due to the lack of specific tax law and regulation for the favorite variations. https://www.insmark.com/sites/default/files/SA8.pdf #ExceptionalSplitDollar #LoanBasedSplitDollar #InsMark
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The purpose of Strategic Alert #7 is to highlight the Beginners Workshop taking place at the 2018 InsMark Symposium East scheduled for September 14 - 15, at the Courtyard Marriott (and adjacent to the Marriott Downtown) in Philadelphia. Please note this is a Pre-Symposium session which will occur on September 13th from 2 pm – 6 pm. https://www.insmark.com/sites/default/files/SA7.pdf The Beginners Workshop focuses on InsMark’s two flagship software products: The InsMark Illustration System (IIS) and then InsMark’s Wealthy and Wise System (WAW). For both IIS and WAW, we will go through the input steps needed to build cases, teach you how to navigate through the systems, and explain how the cases are organized. Once you have this basic understanding, we will also show you at the end of the session how you can use your new found knowledge to then run InsMark sales presentations for virtually any advanced sales concept.
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The purpose of Strategic Alert #6 is to highlight a portion of the Main Platform on Day 1 of the 2018 InsMark Symposium East scheduled for September 14 - 15, at the Courtyard Marriott (and adjacent to the Marriott Downtown) in Philadelphia. #Arbitrage #IUL #Roth #WealthyAndWise® IRA Problem: Income tax at death. IRA Solution: Convert to a Roth. Roth Conversion Problem: Income tax cost. The tax cost to convert to a Roth is not a cost; it is an investment that produces a terrific return both for your clients and their heirs. Let’s see if I can’t prove that. https://www.insmark.com/sites/default/files/SA6.pdf #TaxPlanning #PremiumFinancing #RothIRA #RetirementPlanning #InsMark #IndexedUniversalLife #DoubleArbitrage Listen to what fellow producers have to say about the InsMark Symposium. https://youtu.be/yZoJtYOe1cg
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The purpose of Strategic Alert #5 is to highlight a portion of the Main Platform on Day 1 of the 2018 InsMark Symposium East scheduled for September 14 - 15, at the Courtyard Marriott (and adjacent to the Marriott Downtown) in Philadelphia. https://www.insmark.com/sites/default/files/SA5.pdf InsMark has spent the past three years assembling a team of the best niche specialists in the life insurance industry. The criteria for each specialist was (a) they had to be offering financial solutions that are very difficult for full service agencies to offer on their own, (b) they had to be recognized as one of the best providers in their specific area of expertise and (c) they had to be willing to work directly with you, your clients and their advisors to move the case from introduction all the way to close (including ongoing servicing). These specialists can leverage your time and provide solutions to your client that solve major problems and create incremental net profits for your firm. #AdvancedConsultingGroup #InsMark #CertifiedFinancialPlanner #FinancialPlanning #FinancialServices #InsuranceServices
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For the past 5 years, InsMark has always held its Symposium in Las Vegas. After the last meeting on March 2, 3 of this year, we had a number of producers ask us to hold this event in the East. Consequently, we are holding our first ever InsMark Symposium in Philadelphia on Sept 14th and 15th. Click these links for more https://youtu.be/yZoJtYOe1cg https://www.insmark.com/sites/default/files/SA4.pdf #InsMark #InsMarkIllustrationSystem #PremiumFinancing #PremiumFinancingSystem #WealthyAndWise® #InsuranceProducers #RetirementPlanning #FinancialAdvisor
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Blog #178: Coordinating Exceptional Split Dollar™ with Wealthy and Wise® (Part 2 of 2) #FinancialPlanning #FinancialServices #IndexedUniversalLifeInsurance #InsMarkIllustrationSystem #InsuranceProducers #Investments #LoanBasedPrivateSplitDollar #RetirementPlanning #TaxPlanning #WealthyAndWise Exceptional Split Dollar provides senior executives with a way to transform loans from an employer into substantial, tax free, retirement cash flow while producing a credit to earnings for the employer in all years. The coordination of Exceptional Split Dollar with Wealthy and Wise produces compelling retirement results. While any well-designed split dollar illustration can generate an interesting presentation, it is inadequate as a stand-alone retirement piece. The results can be effectively presented only by coordinating it with an overall retirement analysis. http://www.robert-b-ritter-jr.com/2018/06/28/blog-178-coordinating-exceptional-split-dollar-with-wealthy-and-wise-part-2-of-2/
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