show episodes
 
Exploring timely insurance and retirement planning topics for today's forward-thinking financial professionals. Crump Insights is a presentation of Crump Life Insurance Services, a leading third-party distributor and service provider of insurance and retirement products. Join us for the latest market updates, sales strategies and information that impact the industry, your practice, and your clients.
 
Welcome to the SmartLinx Podcast! Each podcast runs about 10 to 20 minutes in length and covers topics ranging from human resources to compliance, scheduling, recruiting, payroll and more. Our own Darcy Grabenstein interviews subject matter experts, both internal and external, to provide you with actionable insights. And now, on to today’s podcast!
 
Welcome to the Financial Advocate Podcast - Formerly known as "The Special Needs Connection" & "Caring For Aging Parents." We found ourselves sharing podcasts to both shows so we decided to combine them into one podcast! You will continue to find strategies, resources and connections for dealing with the emotional, physical, and financial challenges of aging parents and raising children with special needs. Hosted by Colin Meeks, a Certified Financial Planner focusing on Eldercare Financial P ...
 
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show series
 
Hans and Robby go over the Social Security benefits for widows and widowers, and how these benefits might fall short in retirement. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com o…
 
Do you know what your “other income” is? Hans and Robby go over how your Social Security is taxed, and strategies you can put into place that could lower the taxes paid. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardina…
 
People with bad pre-existing conditions are under the influence that they cannot get life insurance, and that’s just not true. Hans and Robby go over multiple life insurance policies that accept people with pretty severe pre-existing conditions. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” …
 
Hans goes over client examples where using a CFP, or Certified Financial Planner, makes all the difference in their retirement, from being able to have more money to being able to retire early. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can …
 
At age 72, the government makes you start making distributions from your IRA and 401k. Hans goes over why you should think about required minimum withdrawals instead of required minimum distributions in your 50s and 60s. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalG…
 
For many business owners, the Tax Cuts and Jobs Act of 2017 dramatically reduced their tax exposure. And in spite of the pandemic, many industries experienced record year in 2020, particularly in real estate and certain manufacturing sectors. With the potential for higher taxes on the horizon, now is the time to share executive benefit strategies w…
 
Pre-existing conditions prevent many people from obtaining long term care insurance and specifically home health care insurance. Hans goes over solutions for consumers with pre-existing conditions, through age 89, who want to protect themselves against the high cost of bringing help into their home. Don’t forget to get your copy of “The Complete Ca…
 
Every year, Medicare beneficiaries have the choice of 2 paths, and they can only pick one. Hans and Robby go over both paths, as well as the pros and cons. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing …
 
Hans and Robby go over Social Security statements, how to get them and the information you can get from them. Hans even goes over his own personal statement! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailin…
 
Do you know your tax rate? How about your standard deduction? Hans explains taxes in 2021, especially for those age 65 and over! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or c…
 
One of the most important, yet often overlooked responsibilities for financial advisors and life insurance agents is the policy review. Crump has streamlined this often tedious and time consuming process, making it easy to complete and opening new opportunities to assist your clients. In this episode, Crump's Brandi Graver shares her insight and ad…
 
Hans, Robby, and Tom dive into estate planning for second marriages today, especially for those who are bringing in children from their first marriage. They get into how life insurance can be a saving grace for those who find themselves in this situation! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Re…
 
Retirement is not a time to be worrying about your money and the market. Diversification is essential to making sure you don’t have to worry about outliving your money. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal…
 
The Secure Act made changes to your IRA contributions, especially at ages 70 and 71. If you are at these ages, or are coming up on them, you are going to want a plan in place for your retirement savings. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free…
 
Let's face it: The insurance industry has been slow to innovate and implement digital change. But COVID changed that, and the investment that Crump and carrier partners made in digital solutions prior to the pandemic paid off for financial advisors, and more importantly, their clients. Now, it's easier than ever to transact business, freeing up tim…
 
At the beginning of every year, there is a Medicare Advantage Open Enrollment Period. Hans goes over what this period allows Medicare beneficiaries to do, as well as the 3 other periods! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact…
 
Almost every year, Social Security beneficiaries get an increase in their checks, called COLA, or the cost of living adjustment. Hans goes over how much that is for 2021 and why it matters to you! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You c…
 
Hans and Robby discuss the two different types of life insurance, Term and Whole, and specially what type you should have in retirement. Hans goes over why you need life insurance in retirement as well! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free!…
 
Hans goes over annuities, specially 3 different types, and how they work for people in retirement. The biggest advantage is that annuities create a guaranteed income for you exactly when you need it. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! Yo…
 
Hans and Robby discuss QCDs, or Qualified Charitable Distributions. These distributions are a way to give your IRA money, tax free, to the charity of your choice. Find out all the advantages of QCDs this week on Finishing Well! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on Ca…
 
COVID-19 has certainly changed the way we connect and stay in touch with our clients, and year-end planning is no different. The traditional face-to-face office meeting is out. This could actually make what is often a hectic time of year much easier for clients and advisors. In this episode, Lillian Vogl, Director, Advanced Sales at Crump, joins us…
 
Hans goes over the recent report released by the Department of Treasury about the status of long term care insurance in the United States. He explains what they found, what changes might be made, and what it means for you. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on Cardina…
 
Medicare Annual Open Enrollment ends on December 7th. Hans goes over what you need to make sure you have done before then. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling…
 
Hans and Robby discuss what exactly full retirement age means for your Social Security benefit. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more a…
 
Hans goes over state taxes, social security taxes, pension taxes, estate taxes, and IRA distribution taxes and how they can differ between the state you choose to retire in. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Car…
 
The LTCI market continues to evolve, and the ability to blend long term care insurance into annuity products offers clients a powerful new asset to offset the rising costs of care. November is Long Term Care Insurance Awareness Month, so it's an ideal time to reconnect with clients who were declined or failed to acquire LTCI in the past. In this ep…
 
Hans and Robby go over a specific long term care policy. They also discuss why long term care is so personal to both of them. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or call…
 
Hans goes over what qualifies as “qualified money”, as well as explains the advantages of this. Then he tells Robby the story of a client he had any how he used his IRA in order to leave the legacy he wanted. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for…
 
Hans and Robby go over all your options for where to receive long term care when you are older! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more a…
 
Hans and Robby go over the options you have this Medicare Annual Enrollment season! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or calling 919-535-8261. Learn more at CardinalGu…
 
It's been an interesting year, to say the least. And while COVID-19 has disrupted business, it's also forced positive change in the insurance industry. The adoption of accelerated underwriting is dramatically reducing turn times and making it easier for financial advisors and insurance professionals to do business. In this episode, Crump Senior VP …
 
Hans and Robby go over why you need to prepare before signing up for Medicare, and what some of the pitfalls you might run into. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.com or c…
 
Hans and Robby go over why you need a tax preparer, like a CPA, and a tax planner, like a financial planner and what the differences are between the two. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing ha…
 
Hans and Robby explain the halo of life insurance, which is a list of 5 people who cannot touch the money given to your beneficiaries. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by emailing hans@cardinalguide.co…
 
Hans and Robby talk all about MYGAs, what they are, and why they might be right for you, especially if you have a lot of money just sitting in your savings account! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contact Hans and Cardinal by …
 
Hans and Robby break down a specific insurance policy on today’s show. This policy allows you to rollover your IRA money into a policy that will not only provide your family a benefit at your death but also provide long term care benefits for you and your spouse. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Livi…
 
Robby and Hans talk all about planning for retirement this week, especially as the world around us is changing. Almost everyone wants to age at home, but in order to do this, you have to have a plan. Otherwise, it is very unlikely that you will be able to finish your life at your home. Don’t forget to get your copy of “The Complete Cardinal Guide t…
 
Medicare with no extra coverage is a problem. One option you have for fixing this problem is a Medicare Advantage plan. Hans goes over what you need to consider when looking at these Part C plans. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You c…
 
Hans and Robby go over questions Cardinal has gotten about Social Security Spousal benefits, including common law marriages, divorcees, widows, and everything in between! If you have any questions about your specific situation, feel free to contact Hans and Cardinal for answers! Don’t forget to get your copy of “The Complete Cardinal Guide to Plann…
 
There are 3 tax benefits you are going to get out of having a Roth IRA in retirement. Hans goes over what these are, as well as what you can do right now, no matter your age, to make sure your IRA and 401k accounts are in a good spot. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon o…
 
In retirement, if one spouse passes away, how do you keep the surviving spouse’s income whole? Hans and Robby answer this question and go over how life insurance for the surviving spouse can fill the gap in your retirement income plan. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon …
 
This video is about Teaching Financial Literacy to Children. Sam and I are both financial literacy advocates and we both agree that you can't start early enough. Sam has some great ideas for teaching financial literacy and competency at an early age. It is important to remain positive and keep it simple when starting out. I hope you enjoy! Check ou…
 
No matter who you are, you need a minimum of $25,000 in life insurance when you die. We know most people don’t think they need it, but Hans goes over the many reasons why it is necessary. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can contac…
 
The purpose of your IRA should be to create retirement income. For many, they view it as a vehicle to leave an inheritance to their children. Hans goes over why this might not be a good idea and examples of what you could do instead! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or…
 
Hans goes over your options for paying for home health care even if you have some health issues and limited income. The most important aspect of getting set up for long term care is purchasing it while you are in your 50’s or early 60’s. Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazo…
 
Many people think Medicare will pay for home health care, but it really does not. Hans goes over what exactly Medicare covers and what other options you have for covering long term care costs! Don’t forget to get your copy of “The Complete Cardinal Guide to Planning for and Living in Retirement” on Amazon or on CardinalGuide.com for free! You can c…
 
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