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NEW SECURE ACT UPDATED!

Deepen Your IRA Knowledge, Learn Advanced Strategies for Lifetime RMDs, Avoid Rollover Mistakes, and Build Your Retirement Planning Skills…

• Get the technical and educational support you need to guide clients
• Learn key steps to respond to the “Death of the Stretch IRA”
• Understand new IRA inheritance strategies
• Incorporate smart RMD strategies based on the new Secure Act rules
• Understanding rollover rules that won’t blow up clients’ retirement

Savvy IRA Planning is the industry’s only complete advisor and client education system that gives you:

• 4 client education presentations
• 1 CPA education presentation
•  2 Financial Advisor guides
•  Question/Answer forum
• Software discount: 10% off Holistiplan
• 12 CFP CE credits
• On-demand webinar training
•  Twice annual member update webinars
•  Monthly newsletter
• Client IRA education handouts
• Custom article reprints

Savvy IRA Planning® will be your guide to the wide-ranging retirement-related tax changes coming down the pike. You’ll get updates throughout the year including:

• Member-only webinars briefing you on new tax provisions
• Monthly newsletter explaining complicated and challenging IRA issues, especially new ones as they become law
• Updated client presentations and updated addendums to your Financial Advisor’s Guide to Savvy IRA Planning as Congress changes the rules

Key reasons to improve your IRA knowledge:

1. Because you’ll expand your level of service to a growing market. Boomers own a disproportionately high percentage of IRAs. They’re an ideal market with serious financial concerns. Once your IRA expertise is solid, you’ll have the solutions they need.
2. Because you want to maximize your clients’ retirement resources. What good is making 5%, 8%, 10% per year or even more if your clients end up giving huge chunks of it back to Uncle Sam?
3. Because it helps you uncover new assets. As an IRA specialist, you want to tell your clients that in order to make sure that their required minimum distributions are being calculated correctly, you need specific information for each account. With a bit of value-added advice like that, they’ll be more likely to provide you with the complete list you want.
4. Because it makes it easier for new clients to transition to you from other professionals. Once you are truly knowledgeable about the IRA rules, you can position yourself as a “distribution specialist.” This will remind potential clients that they are planning for a new phase of life, and one that you happen to specialize in. That’s a strong differentiator.
5. Because you will increase your revenue. Building your IRA knowledge will definitely help you attract more clients. Professionals who truly incorporate the tax impact of retirement account distributions are few and far between, and consumers are willing to pay a premium for those professionals.
6. Because you’ll receive more referrals from professionals. Your goal should be to become the go-to source for IRA information in your community and someone that CPAs, attorneys and other professionals can turn to as a resource.
7. Because IRA issues cut across financial products. The IRA rules are extremely flexible when it comes to holding investments. That makes IRA planning critical for just about any type of professional. Whether you are a fee-only professional, insurance-only professional, hybrid professional, broker, etc., a sound understanding of the IRA rules is bound to help you better service your clients and grow your business.
8. Because it connects with clients and prospects on the tax issue. The more money and income people have, the more they seem to hate paying taxes. By positioning yourself as a distribution specialist who focuses not just on investments, but also on minimizing the impact of taxes during retirement, you build instant credibility and rapport with clients.

Here’s your action plan for building IRA knowledge and meeting clients and prospects.

Step One: Learn

Building your retirement planning and IRA expertise requires ongoing learning and testing. The Savvy IRA Planning program includes resources to help you build your knowledge so you can effectively solve client and prospect cases.

Here’s how you will begin building your IRA expertise with the Savvy program:

1. Educational Webinar Training Series. Throughout the year, Savvy IRA Planning members will gain access to hyper-focused educational videos. These videos are designed to help you answer common questions, understand critical planning strategies, and steer clear of all-too-common mistakes.

   Allow the expert to carefully guide you, step by step, through the key material contained in the Savvy IRA Planning program. All are available for on-demand viewing at your convenience. Here are some of the topics we will cover:
   • What are the rules for contributing to multiple retirement accounts?
   • What happens when a non-spouse beneficiary dies?
   • What is a see-through trust?
   • How to properly calculate and take RMDs for beneficiaries
   • How the Tax Cuts and Jobs Act impacts IRA planning
   • And much more
2. Read the FA’s Guide to Savvy IRA Planning. This guide, written explains all the major aspects of smart IRA planning. It equips you with the technical knowledge and insights that you’ll need to educate clients and prospects about the value you will deliver, minimizing the impact of taxes on their retirement distributions.
3. Review the guide to common IRA questions: 150 IRA Planning Questions Answered: What Savvy Advisors Need to Know. This report gives you specific answers to real-life IRA questions you’ll likely encounter as you educate clients and prospects on IRA planning. There’s no better way to improve your understanding of complex IRA issues than reviewing these questions and testing your understanding of them.
4. Earn up to 12 CFP CE credits. Once you’ve viewed the training webinars, read the manual, and reviewed the IRA questions, the next step in building your expertise is to take the Savvy IRA Planning 120-question online exam. When you pass, you’ll be eligible for 12 CFP Continuing Education Credits.

Step Two: Interact

Stay up-to-date on IRA news and rules with monthly and quarterly expert insights through Savvy IRA Planning. It’s not uncommon that some IRA issues or common practices must be reviewed—even rethought—based on news out of Washington. Your Savvy IRA Planning subscription aims to keep you informed on important changes that likely impact the kind of IRA cases you most frequently encounter. Here’s how you’ll stay up to date:

Twice a year you get select subscriber questions answered by our team of experts during subscriber-only webinars. You can also submit your own IRA questions to be considered through the Savvy IRA Planning website.

The ongoing review of subscriber questions and answers are critical to building your IRA expertise. Each month, scan your Savvy IRA Planning e-newsletter for news and select answers to new tricky IRA questions.

The e-newsletter should be a monthly must-read for you.

Step Three: Promote

Boomers remain desperate for knowledge and expertise on key retirement issues. None is bigger than understanding how their retirement nest eggs will be converted into retirement paychecks. You’ll want to integrate your growing IRA knowledge into your presentation schedule, be it workshops, seminars, classes, talks, lunch and learns, etc. Savvy IRA Planning program equips you with the tools to promote your IRA expertise to clients and prospects that want to learn more.

Marketing Toolkit. It’s filled with tips, timelines, checklists, and templates to help you plan, deliver, and follow up with your Savvy IRA Planning presentations. Plus, your subscription includes FINRA-reviewed post cards, press releases, and flyers to market your IRA events.

Article Reprints: Savvy IRA Planning program also includes customizable FINRA-reviewed article reprints to share with clients and prospects—perfect for a drip-marketing campaign. Just add your photo, logo, and contact information and you’re ready to go. Post articles on your website, social media, in an e-newsletter, or order hard copies to hand out in client and prospect meetings.

Step Four: Connect

Teach Boomers about their retirement options. Baby Boomers want to learn. Now you can deliver expert IRA content in classes, workshops, seminars, lunch & learns, or any creative way you’d like. Your subscription includes FINRA-reviewed education presentations (customizable) in PowerPoint complete with speaker notes:

• Strategies to Help You Save Taxes and Get More Out of Your IRA
• 6 Retirement Account Options Every Retiree Must Know: Picking the Right One After You’ve Left Your Job
• Savvy IRA Planning for CPAs: 10 Things CPAs Should Know About IRAs
• Should I Stay or Should I Go? An Overview of the Factors to Consider When Making Rollover Decisions
• The New Retirement Rules: Understanding SECURE Act 2.0

The Baby Boomer's Guide to IRA Planning: Send your clients and prospects home with a professional IRA resource. Give your clients and prospects a copy of The Baby Boomer’s Guide to IRA Planning, a 4-panel, 2-sided, 8.5” x 11” client handout. It explains key IRA concepts necessary to understanding IRA planning decisions. It’s a perfect incentive to offer people who complete your feedback and follow-up form after your presentation.

Build your expertise and establish your competitive advantage with these in-depth resources.

Here Are the Details of What’s Included in Your Savvy IRA Planning Program

The opportunities for professionals in the IRA market are virtually endless. The Boomer market is exploding and there are more potential clients up for grabs today than ever before. And the market conditions are only expected to improve for the foreseeable future.

IRA planning crosses into just about every aspect of a client’s financial plan, so executing the right strategies and eliminating costly mistakes can have a profound impact on a client’s success.

Join Savvy IRA Planning
Click to Learn More.

Your Savvy IRA Planning program includes:

COMPREHENSIVE GUIDES

The Financial Guide to Savvy IRA Planning. ($297 value)

This 200+ page guide walks you through all the major aspects of smart IRA planning. It equips you with the technical knowledge and insights that you’ll need to educate clients and prospects about the value you will deliver minimizing the impacts of taxes on their retirement distribution.

Keep one step ahead with this guide that’s packed with everything you need to know about smart IRA planning. You’ll get technical insights and key facts so you can deliver precisely what your clients and prospects are seeking: minimized tax impact on their retirement distributions.

In this manual, you’ll learn:

Chapter 1: What Financial Professionals Need to Know About IRAs

• How being an IRA expert will help expand your business
• An overview of the IRA market
• Why IRA owners are desirable clients
• 8 ways IRAs and other retirement accounts are different than any other type of account
• How much you know about IRAs

Chapter 2: Contributions and Deductions

• When IRA contributions can be made
• How to make IRA contributions
• Understand how to coordinate between IRA contributions and Roth IRA contributions
• What is compensation for traditional IRA and Roth IRA contribution eligibility
• 2 factors that can restrict your client from making an IRA contribution
• What defines active participation in an employer-sponsored retirement plan
• 3 benefits of nondeductible IRA contributions
• Why Roth IRA contributions may be eliminated for some clients
• How a client can make an IRA contribution for their non-working spouse
• 5 qualifications for the Retirement Savings Contributions Credit
• How to correct excess contributions

Chapter 3: The 6 Retirement Account Options Every Retiree Must Know

• 6 potential options your clients may have available to them when considering what to do with their retirement plan funds
• When a client would want to leave their money in their current plan
• 4 exceptions to the 10% early distribution plan
• Why a client would roll over their plan funds to another employer plan
• When to roll employer-sponsored retirement plan funds to an IRA
• 4 benefits of consolidating retirement accounts
• Why a client may want to take a lump-sum distribution
• 3 key net unrealized appreciation (NUA) rules
• 4 valid NUA distribution triggering events
• 3 NUA mistakes to avoid
• When a client can use 10-year averaging

Chapter 4: What Professionals Need to Know About Moving Retirement Account Money

• 3 benefits of moving retirement money directly between two accounts
• 3 rules when moving retirement account money indirectly
• How the once-per-year rollover rule affects your clients
• 7 eligible rollover distributions

Chapter 5: Taxation of Distributions from IRAs and Other Pre-Tax Retirement Accounts…and Other Lesser Known Costs

• When can clients take IRA distributions
• When do clients have to take distributions
• 7 side-effects of IRA distributions
• How to calculate how much of an IRA distribution is tax free
• 14 exceptions to the 10% penalty rules

Chapter 6: Required Minimum Distributions for Account Owners

• When the required beginning date (RBD) for distributions is
• 4 exceptions to the RBD date
• How to delay RMDs for all retirement accounts
• How to calculate your client’s RMD
• When to use the Joint Life Table
• 3 common RMD confusions
• How and when to aggregate RMDs across multiple retirement accounts
• Understanding qualifying longevity annuity contracts (QLAC)

Chapter 7: Roth IRAs and Designated Roth Accounts

• The difference between Roth IRAs and designated Roth accounts
• Requirements for a Roth IRA conversion
• Why a client would recharacterize a Roth IRA conversion
• 4 Roth IRA conversion strategies
• Ordering rules for non-qualified Roth IRA distributions

Chapter 8: Integrating IRAs into the Overall Plan

• 2 prohibited investments within an IRA
• 7 prohibited transactions for IRA accounts IRA accounts
• Why annuities are popular investments with IRA owners
• How to coordinate IRAs with Social Security benefits
• Medicaid planning and IRAs
• Education planning and IRAs

Chapter 9: Estate Planning for IRAs

• 2 financial goals of estate planning
• An overview of the Federal Estate Tax
• 3 beneficiary form questions to ask your clients
• Who can be named an IRA beneficiary
• 2 advantages to the stretch IRA
• Why clients would name a trust as their IRA beneficiary
• Difference between conduit and discretionary trusts
• How to implement IRA trusts
• Three entity rule

Chapter 10: Planning for Beneficiaries

• How to avoid mistakes and maximize value after the death of a retirement account owner
• 4 rules for executing a qualified disclaimer
• How to properly title inherited IRAs
• How to calculate RMDs for non-designated beneficiaries
• How to plan for spouse beneficiaries
• Calculating RMDs for Calculating RMDs for successor beneficiaries

Join Savvy IRA Planning
Click to Learn More.

Tackle the tough, complex IRA questions with answers.

150 IRA Planning Questions Answered: What Savvy Advisors Need to Know ($299 value): This report (75+ pages) gives you specific answers to real-life, difficult IRA questions you and your clients will encounter. IRA experts spend much of their time researching and answering tricky IRA planning questions. Now you’ll have easy access to a body of questions you’ll likely face as you educate clients and prospects about IRA planning.

Topics include:

• Contributions
• Conversions
• Distributions
• Rollovers
• Beneficiaries
• Trusts
• SIMPLE and SEP IRAs
• Early distributions
• Alternative investments/prohibited transactions
• Lump sum distributions from company plans
• Coordination with Social Security
• And more!

Here are some examples:

• Can my client’s mother’s IRA be taken by Medicaid if she needs to go into a nursing home?
• My client does not have an IRA, but she does have a 401(k) at the company she works for. Can any of her 401(k) funds be converted to a Roth IRA?
• My client will be 70½ this year. She is still working and contributing to her 401(k). What required distributions will she have to take this year?
• Can an IRA asset, such as shares of stock, be rolled to another IRA?
• Does an inherited employer plan transfer to the beneficiary automatically qualify as an inherited IRA, or does the beneficiary have to apply for it as an inherited IRA?
• My client wants to name her grandchildren as the beneficiaries of her Roth 401(k). Can she place the Roth 401(k) in a trust which will force stretch distributions only? If not a trust, is there any other way that she can accomplish the same end result?
• Are there any restrictions on taking distributions from a SEP IRA or a SIMPLE IRA?

Get trained by the nation’s leading IRA experts.

EDUCATIONAL WEBINAR TRAINING SERIES

Throughout the year, Savvy IRA Planning members will gain access to hyper-focused educational videos. These videos are designed to help you answer common questions, understand critical planning strategies, and steer clear of all-too-common mistakes. ($499 value) Allow the expert to carefully guide you, step by step, through the key material contained in the Savvy IRA Planning program. All sessions are available for on-demand viewing at your convenience. Here are some of the topics we will cover:

Part One: Introduction to what you need to know about IRAs: six retirement account options for retirees and moving retirement account money

• How IRAs and retirement accounts are different from your clients’ other assets.
• The “new” once-per-year rollover rule.
• How to properly evaluate the 6 potential rollover options a client may have after they’ve left their job.
• How to implement advanced strategies like NUA to save clients valuable tax dollars and attract new business.

Part Two: The IRA nitty-gritty: contributions, deductions, taxation and required minimum distributions

• How to help clients identify the true cost of retirement account distributions by factoring in both ordinary income taxes and potential “side effects.”
• The IRA and plan pro-rata rules and how to potentially isolate clients’ basis for tax-free Roth conversions.
• How to correctly calculate an IRA or plan owner’s required minimum distribution.
• Which retirement accounts can be aggregated together for RMD purposes and, more importantly, which retirement accounts cannot be aggregated together.

Part Three: Understanding Roth IRAs and integrating IRAs into your clients’ overall financial plans

• How to determine whether or not a Roth conversion makes sense for your client.
• Tactics to maximize the value of clients’ Roth IRA conversions while minimizing the resulting income tax bills.
• Key differences between Roth IRA accounts and designated Roth accounts like Roth 401(k)s.
• Why strategic placement of investments across a client’s various accounts can meaningfully lower their tax liability.
• How to help clients integrate their IRA planning with their Social Security planning to get the most out of both.

Part Four: Estate planning issues for IRAs and planning for beneficiaries

• What actions need to be taken before and after a client’s death to make sure beneficiaries can “stretch” distributions.
• Strategies to consider when a client wishes to make a charitable bequest.
• The critical rules you absolutely must know when a client names – or wants to name – a trust as their IRA beneficiary.
• The 3 options a spousal beneficiary has after inheriting an IRA and how to choose which option is best.
• How to properly calculate and take RMDs for beneficiaries.

Earn CE credits while gaining IRA mastery.

120 Question Online CE Exam ($120 value)

When you learn the Savvy IRA Planning material, you’ll be eligible to earn 12 CFP®Continuing Education credits. Taking a 90-minute, multiple-choice test, and correctly answering 84 or more questions earns you the 12 CE credits.

You’ll earn a Certificate of Completion and the CFP® Board will be notified within one month of the time you pass your exam.

Demonstrate your IRA knowledge—Present workshops, classes, and seminars to pre-retirees and CPAs

Baby Boomers are hungry for education on navigating the complexities of their retirement finances. Once they attend your workshops, they’ll see the gulf that exists between their awareness and your knowledge and insights. These Finra-reviewed presentations include PowerPoint slides and talking points.

Presentation One: Savvy IRA Planning: Strategies to Help You Save Taxes and Get More Out of Your IRA ($299 value)

You get 45+ PowerPoint slides (FINRA-reviewed) and 35+ pages of speaker notes in this customizable 45-minute client education presentation. It’s ideal for large groups or one-on-one presentations. Here’s how your marketing copy summarizes the presentation you will make:

Baby Boomers are asking:

• What type of retirement account is right for me?
• Can I still contribute to a retirement account and if so, how much?
• When do I need to take withdrawals and how much do I have to take?
• How are my IRA withdrawals taxed?
• How does my IRA fit into my overall plan?
• What happens to my IRA when I die?
• How can I minimize taxes so I can spend more of my hard-earned money?

Learn the rules for:

• Contributing to traditional IRAs and Roth IRAs
• How indirect and direct rollovers work
• How retirement accounts are taxed
• How to calculate your required minimum distribution
• Roth IRA conversions
• Inherited IRAs
• How spousal IRAs work

At this workshop you will learn:

• 7 strategies for Savvy IRA planning
• 6 rollover options for your retirement plan funds
• 3 common required minimum distribution mistakes
• The difference between indirect and direct rollovers
• How to coordinate your IRA planning with your overall retirement, estate, tax, education, Social Security and financial plans
• 3 different options for spousal IRA beneficiaries

Presentation Two: 6 Retirement Account Options Every Retiree Must Know: Picking The Right One After You’ve Left Your Job ($299 value)

One client’s retirement is very different from another’s. This customizable client education presentation – 45+ PowerPoint slides (FINRA-reviewed) and 35+ pages of speaker notes – is a perfect 45-minute presentation for large groups and individual sessions alike. Here’s how the marketing copy included in your program materials describes your presentation:

Baby boomers are asking:

• 6 different options for your retirement plan funds
• When to leave assets in a company retirement plan
• How to roll your money to a new company retirement plan
• When to roll over to an IRA
• When and if you should take a lump sum distribution
• When to convert your funds to a Roth IRA
• Why you would consider an in-plan Roth conversion

Learn the rules for:

• Indirect and direct rollovers
• IRA rollovers
• The stretch IRA
• Rollovers for beneficiaries
• Net unrealized appreciation transactions
• How to undo a Roth IRA conversion
  

  Savvy IRA Planning
  for CPAs

Presentation Three: Savvy IRA Planning for CPAs: 10 Things CPAs Should Know About IRAs

Connect with CPAs and other professionals by presenting this new workshop: IRAs and other Retirement Accounts: What CPAs Need to know.

Now you can award CPE credits to CPAs, too. Your Savvy IRA Planning Membership gives you this new presentation and the ability to award CE credits to CPAs who attend. Horsesmouth is a registered CPE sponsor with the National Association of State Boards of Accountancy (NASBA) (Please note: certain guidelines must be followed to award credit.)

Presentation Four: Should I Stay or Should I Go? An Overview of the Factors to Consider When Making Rollover Decisions

Now you can use it meeting with your clients and prospects to easily and informatively walk them through the range of options they face when looking to rollover a retirement account. 

Presentation Five: The New Retirement Rules: Understanding SECURE Act 2.0

This informative presentation is ideal for both public presentations and one-on-one meetings. You'll go through the biggest changes in the SECURE Act and explain how they change retirement planning for everyone. Most importantly, you'll emphasize the point that everyone needs a review of their personal strategies. (27 slides plus script)

Everything you need to attract clients and prospects to your presentations.

Join Savvy IRA Planning
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Get the IRA Planning Expertise You Need to Educate Clients and Unlock Retirement Assets. Don’t Lose Your Share of the $25 Trillion Retirement Market.

Are you poised to claim your fair share of this burgeoning $7.4 trillion IRA market?

IRAs are an integral part of many clients’ financial, estate, and retirement plans. The funds accumulated in these accounts often represent a lifetime’s worth of work. That means there are more people than ever for you to help, which is good for potential clients and of course, good for you. Let’s take a look at how IRA expertise can help your business soar…

Expand your level of services to a growing market

Baby boomers own a disproportionately high percentage of IRAs as well as a disproportionately high percentage of the wealth. IRA planning is an absolute must to expand into this incredibly profitable market. Make it easier for clients to transition to you from other professionals.

One of the best ways to turn potential clients into actual clients is to clearly differentiate you from the client’s previous professional. Once you are truly knowledgeable about the IRA rules, you can position yourself as a “distribution specialist.”

Increase your revenue

Building your IRA knowledge will definitely help you attract more clients, which will obviously have an impact on your bottom line.

Receive more professional referrals from CPAs and attorneys

If you want more referrals (and who doesn’t?) one of the best ways is to become a knowledgeable IRA specialist. If you can help answer IRA questions quickly and reliably, you’ve demonstrated your value and what it’s like to work with you. This must happen BEFORE professional referrals come your way.

Reduce the possibility of costly errors

Each year many professionals find themselves in the crosshairs of lawsuits and arbitrations, often because of inadvertent errors. The more aware you are of the IRA rules, the less chance there is for those mistakes to occur.

Connect with the most sought-after clients and prospects

When you position yourself as a distribution specialist who focuses not just on investments, but also on minimizing the impact of taxes during retirement, you build credibility and rapport with your top clients and prospects.

Add Savvy IRA Planning to Your Client Education Program Today

Become the go-to IRA expert in your community by adding Savvy IRA Planning to your client education program right now. You’ll be happy you did. And when you become a subscriber, you’ll be licensed to use the Savvy IRA Planning program with all your clients and prospects for a full year.

Remember, this is what you get with your Savvy IRA Planning program.

COMPREHENSIVE GUIDES

The Financial Guide to Savvy IRA Planning: This guide (200+ pages),  walks you through all the major aspects of smart IRA planning. It equips you with the technical knowledge and insights that you’ll need to educate clients and prospects about the value you will deliver minimizing the impacts of taxes on their retirement distribution. ($297 value)

150 IRA Planning Questions Answered: What Savvy Advisors Need to Know:This report (75+ pages) gives you specific answers to real-life, difficult IRA questions you and your clients will encounter. IRA experts spend much of their time researching and answering tricky IRA planning questions. Now you’ll have easy access to a body of questions you’ll likely face as you educate clients and prospects about IRA planning. ($299 value)

CLIENT PRESENTATIONS

Savvy IRA Planning:You get: 45+ PowerPoint slides and 35+ pages of speaker notes (45 minute presentation). Ideal for large groups or one-on-one presentations. ($299 value)

6 Retirement Account Options Every Retiree Must Know: Picking the Right One After You’ve Left Your Job. Customizable client education presentation. You get: 45+ PowerPoint slides and 35+ pages speaker notes (45-minute presentation). Ideal for large groups or one-on-one presentations. ($299 value)

Savvy IRA Planning for CPAs: 10 Things CPAs Should Know About IRAs: Customizable education presentation for CPAs. You get: 45+ PowerPoint slides and 35+ pages speaker notes (45 minute presentation). ($299 value)

Should I Stay or Should I Go? An Overview of the Factors to Consider When Making Rollover Decisions: We’ve created a slimmed down version of Savvy IRAs Six Rollover Options presentation. Now you can use it meeting with your clients and prospects to easily and informatively walk them through the range of options they face when looking to rollover a retirement account. ($299 value)

The New Retirement Rules: Understanding SECURE Act 2.0: You'll go through the biggest changes in the SECURE Act and explain how they change retirement planning for everyone. Most importantly, you'll emphasize the point that everyone needs a review of their personal strategies. ($299 value)

CLIENT REFERENCE

The Baby Boomer’s Guide to IRA Planning. FINRA-reviewed. This handout (50 copies) is a 4-panel, 2-sided, and 8.5" x 11" reference to distribute to clients and prospects. It explains key IRA concepts necessary to understanding IRA planning decisions. ($297 value)

New Retirement Rules Card (FINRA-reviewed).This full-color, 2-sided handout can be personalized with your photo and contact information. It covers all the main points in the presentation, making it a great take-home reminder or client touch.

ARTICLE REPRINTS

7 Article Reprints (PDF). FINRA-reviewed. Brand these article reprints with your contact information, photo and logo to create a client touch that’s both instructive and memorable. ($485 value)

MONTHLY E-NEWSLETTER

Savvy IRA Planning Newsletter. Each month you’ll receive an e-newsletter with answers to select subscriber questions on IRA planning, plus tips, insights, and news about the program and the complex world of IRAs.

CE EXAMS

Take our online exam to qualify for 12 CFP Continuing Education Credits. Certificate of Completion included. CFP Board notified within one month of passing exam. ($120 value)

SOFTWARE

Special 10% discount on Holistiplan software: Holistiplan allows advisors to immediately identify key income break points for tax planning opportunities like ROTH conversions, tax-efficient withdrawals, charitable giving, and much more. Holistiplan brings tax planning to every advisor so they can bring it to every client. The future of tax planning is here.

SEMI-ANNUAL WEBINARS

Subscriber-only update webinars. Two times a year Horsesmouth will conduct a webinar aimed at answering select questions from subscribers about IRA planning, as well as updating you about any new developments in the field and the Savvy IRA Planning program. Webinars will be live and available for on-demand viewing later.

MARKETING TOOLKIT

Marketing Toolkit for Savvy IRA Planning. FINRA-reviewed. PDF templates: poster, postcards and press release. ($299 value)

PRIVATE WEBSITE

SavvyIRA.com website gives you instant access to key elements of the program, including presentations, marketing toolkits, article reprints, newsletter archives, training webinars, semi-annual webinars, CE exams, and more.

ANNUAL LICENSE

First Year License. Deliver Savvy IRA Planning seminar presentations to clients and prospects for 12 months. After your first year, renew your Savvy IRA Planning license and get our annual program update: new IRA developments, updated slides for your presentations, and updated client reference materials. ($597 value)

Risk-Free GUARANTEE for Savvy IRA Planning

We think educating clients and prospects about IRA planning issues is so important to your community, your clients and your success, that we’re trying to make it as easy for you as possible to gain this important expertise. So here’s our promise:

Order Savvy IRA Planning today.

Make Savvy IRA Planning a key client-education offering for your pre and post retirees and their friends and families. The coming baby boomer IRA rollover wave presents the biggest business development opportunity ever for professionals looking to solve tricky, complicated income-planning issues.

By helping people better understand the opportunities and pitfalls of IRA planning, you’ll be building trust and "peace of mind" among clients and prospects. They’ll be thankful for your guidance in putting together the retirement income-planning puzzle. That’s why I can make the following guarantee when I urge you to subscribe to Horsesmouth’s Savvy IRA Planning:

Learn the program. Present it to your clients and prospects. Use it one-on-one and in group settings—as a client education workshop. Do that for 12 months. If you’re not finding that your clients and prospects are extremely grateful to have a competent, confident and knowledgeable professional guide them through the ins and outs of IRA planning, we’ll completely refund 100% of your purchase price—guaranteed, no questions asked. Just call and tell us you’re returning all the materials to Horsesmouth at: Horsesmouth, 230 Park Avenue, 3rd Floor West, New York, NY 10169. Phone: 212-343-8760, Ext. 1.

Request a Desktop Demo for Savvy IRA Planning:

Demo includes:

• Client Workshop Presentations and Speaker Notes
• The Financial Advisor's Guide to Savvy IRA Planning
• 150 IRA Planning Questions Answered
• Educational Webinar Training Series
• Marketing Toolkit
• Article Reprints
• Newsletters
• Client Handouts
• Savvy IRA Subscriber Website

Click here to sign up or call (888) 336-6884 ext. 1

Go Ahead and Sign-Up Now—There’s No Risk So Give It a Try

Here are the key things to consider: IRA knowledge is completely fundamental to your business. There’s no getting around that fact. Just about all your clients will have at least one, if not many more, IRAs. That’s the way the system has evolved in the United States.

Here’s the other thing: The IRS rules and regulations around IRAs have evolved into a veritable minefield of tax bombs waiting to go off with just one false move—a missed deadline, a faulty distribution, a flawed conversion, and so on.

No one planned it this way, but that’s how it has developed over the last 40 years. It’s really a crazy system.

But this is where you come in. You get to be the hero in this situation. Because people simply have no idea how bad or potentially dangerous their IRA accounts are.

But you can sound the alarm. You can be the trusted professional, the educator in your community, delivering Savvy IRA Planning presentations and the accompanying message: This is serious business and need to be approached with caution.

Once you offer folks who attend your presentations an opportunity to come in to your office for a one on one consult regarding their own IRA and retirement picture, you’ll be on your way to collecting new clients.

I guarantee that. But you’ve got to have your own solid base of IRA knowledge in order to become the IRA “go to guy” in your community.

That’s why I invite you now to become a subscriber of our Savvy IRA Planning (a $5,024 value) for only $597. If there’s any topic that demands your year-round attention, it’s managing IRAs. Join the program today and save!

Best,

Sean M. Bailey
Editor-in-Chief
Horsesmouth
230 Park Avenue, 3rd Floor West
New York, NY, 10169
(888) 336-6884 ext.1

P.S. I’ve been interviewing professionals who’ve started to present Savvy IRA Planning in their communities. Here’s an interesting anecdote from one. He said he got 12 people to come to his IRA presentation, which is much lower than the 20 or so he usually gets when he teaches about Social Security and Medicare. But, he pointed out, every one of the 10 attendees was a HNW prospects and now he’s following up with all of them. Of course, that makes sense. Go ahead and join Savvy IRA Planning now. You’ve got everything to gain.

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About Horsesmouth

Since 1997, Horsesmouth has been helping financial professionals succeed by providing timely guidance on key topics such as business development, practice management, financial planning and investment strategies.

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