'2C7366/883+6=+
Transcript of '2C7366/883+6=+
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 110
Wh millennial are more intereted in aving forretirement
DC 07 2016 | Y KVIN OYL
In order to overcome trut iue among millennial advior need to conider a differentapproach and a completel new wa of thinking (Photo itock)
It eem a though the entire world ha taken to analzing and monitoring the millennialgeneration And rightfull o According to The Hartford there are etween 80 millionand 84 million millennial and in le than ten ear the will comprie 75 percent of theU workforce Hartfordrsquo reearch how millennial are more intereted in aving forretirement at a oung age than an generation efore them dating ack to the GreatDepreion
A numer of urve cite increaed participation in emploer-ponored retirementplan a a major component of thi trend and while that certainl i a factor it i hardlthe onl driving force ehind millennialrsquo willingne to ave
Related Cultivating client millennial
In fact it could e argued that the auto-enrollment proviion added to mot 401(k)plan are reponile for driving the increaed participation rate in emploer plan a
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 210
plan are reponile for driving the increaed participation rate in emploer plan aoppoed to conciou aving activit However jut ecaue millennial are intereted inaving for retirement doe not necearil mean the are doing it properl
Undertanding the millennial mindeto what i it aout millennial that make them more aving-conciou than previougeneration Theorie aound ut one contantl cited element i their collectiveexperience from the 2008 Great Receion Further millennial are the mot indetedgeneration in hitor carring ignificant tudent loan det a the enter the workforceWith thee factor in mind itrsquo not difficult to undertand their more conervativeapproach to finance
elow i a naphot of what the world looked like when each of the five generationcurrentl exiting in the workforce were etween the age of eight and 22 ear old
Millennial view have een haped political gloal and cultural event (Image Kevinole)
The rapid pace of political gloal and cultural event unfolding for millennial leap outimmediatel Add in the maive exploion in internet technolog mart device andocial network and there i a reaonale foundation for undertanding wh motmillennial are radicall different in their perception than prior generation
Now look at what the Dow Jone Indutrial Average did during each correponding ear
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 310
Now look at what the Dow Jone Indutrial Average did during each correponding ear
(ource Macrotrend LLC ldquoDow Jone 100 Year Hitorical Chartrdquo)
ince 2000 the millennial mindet around mone mdash everthing from aving it to takingout loan mdash ha een haped unprecedented change in the gloal econom
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 410
Millennial have a variet of concern aout aving for retirement and often the mi out ontax-preferred aving vehicle like Roth IRA (Photo itock)
Addreing millennialrsquo aving concernA Well Fargo tud found that 42 percent of urveed millennial a that det i theirlarget financial concern mdash and the are making trategic move to avoid it Thepercentage of millennial who alread own traditional and Roth IRA i roughl the amea the national average for all houehold at over 40 percent
According to the Invetment Compan Intitute (ICI) 20 percent of all Roth IRA are nowowned millennial uch ignificant participation rate how a generation exhiiting ahigh level of aving awarene ut there i ome ad new a well Millennial tend tohun profeional financial advice and trut financial profeional and intitution muchle than prior generation did A a reult Well Fargo found the tend to rel on advicefrom peer and famil a oppoed to profeional ource
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 510
Related Millennial Forcing change upon our indutr
Millennial eing more willing to ave mone than prior generation i certainl theldquogla i half fullrdquo piece of the equation Doutle not much additional anali or colorneed to e added to thi fact mdash millennial are motivated to ave
The iue on the ldquogla i half emptrdquo ide of the equation aound ut are certainl notinurmountale In order to overcome thee trut iue advior and thoe in thefinancial ervice indutr need to conider a different approach and a completel newwa of thinking
Three iue advior can addre In order for advior to tackle millennialrsquo aving concern itrsquo important to undertandthe concern the are facing in their attle to ave
The firt i the erroneou elief that retirement i the onl otacle on the mind of themillennial aver In fact millennial are eet and eieged the competing avingprioritie prior generation were impl not taught to incorporate into their aving planThing uch a paing off college det aiting elderl parent outliving their ownaving college aving for their kid and aving for health care need oth prior to andin retirement are ving for their attention
Advior need to recognize thi and approach their aving goal with the undertandingthat retirement i not millennialrsquo main priorit and in fact there are man need takingprecedent over it
The econd iue i millennial are ver entrepreneurial o the idea that emploer planare a one-ize-fit-all olution i not quite right The percentage to total numer ofindependent worker in the millennial generation i higher than in an other ometudie how millennial independent a alread making up 30 percent of theindependent workforce
Getting millennial who do have acce to emploer-ponored plan to etter leveragetheir advantage i till a great approach ut it need to e a component of a largertrateg intead of the ole one
Latl a large numer of millennial are echewing aving anthing for retirementdirectl preferring to put their often relativel meager availale aving dollar into cahequivalent or what i often referred to a ldquorain da fundrdquo Thi ro them of theopportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult man
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 610
Featured Video
opportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult manare not realizing the potential enefit of their generational penchant for aving mone
Related 17 wa to etter market to millennial
At a minimum advior hould teach thee oung aver to invet their ldquorain dardquodollar into Roth IRA intead of dumping them into aving account Thi wa the cantill have acce to their contriution dollar at an point hould an immediate financialneed preent itelf opening thee Roth ooner rather than later millennial alotart the five-ear Roth clock o the ooner thee oung aver put a few dollar in theooner the can realize the full enefit of the Roth IRA
Cloing the gapWhile millennial are philoophicall ahead of the curve on aving for retirement theneed more guidance than an prior generation The are paing down det from anumer of ource o their availale aving dollar are often omewhat mall and onlthe mot forward thinking financial profeional are willing to peak to them eforethe accumulate enough aet
uilding trut with millennial and helping channel their deire to ave i the ke touilding long-term relationhip The are the larget generation in hitor and theopportunit for advior recognize thi firt i potentiall maive
ee alo
What millennial want from work and life
How to target millennial with life inurance marketing
5 wa to ell life inurance to millennial
Wersquore on Faceook are ou
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 710
The AppAit tele-app program i awin-win for advior and cutomerPROVIDD Y LGAL amp GNRAL AMRICA
Drop a imple ticket and AppAit take over the adminitrative urden ofapplication fulfillment and cae management
HAR THI VIDO
Mot Recent Video
ehind the cene with Vicki Gunvalon[VIDO]
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 210
plan are reponile for driving the increaed participation rate in emploer plan aoppoed to conciou aving activit However jut ecaue millennial are intereted inaving for retirement doe not necearil mean the are doing it properl
Undertanding the millennial mindeto what i it aout millennial that make them more aving-conciou than previougeneration Theorie aound ut one contantl cited element i their collectiveexperience from the 2008 Great Receion Further millennial are the mot indetedgeneration in hitor carring ignificant tudent loan det a the enter the workforceWith thee factor in mind itrsquo not difficult to undertand their more conervativeapproach to finance
elow i a naphot of what the world looked like when each of the five generationcurrentl exiting in the workforce were etween the age of eight and 22 ear old
Millennial view have een haped political gloal and cultural event (Image Kevinole)
The rapid pace of political gloal and cultural event unfolding for millennial leap outimmediatel Add in the maive exploion in internet technolog mart device andocial network and there i a reaonale foundation for undertanding wh motmillennial are radicall different in their perception than prior generation
Now look at what the Dow Jone Indutrial Average did during each correponding ear
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 310
Now look at what the Dow Jone Indutrial Average did during each correponding ear
(ource Macrotrend LLC ldquoDow Jone 100 Year Hitorical Chartrdquo)
ince 2000 the millennial mindet around mone mdash everthing from aving it to takingout loan mdash ha een haped unprecedented change in the gloal econom
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 410
Millennial have a variet of concern aout aving for retirement and often the mi out ontax-preferred aving vehicle like Roth IRA (Photo itock)
Addreing millennialrsquo aving concernA Well Fargo tud found that 42 percent of urveed millennial a that det i theirlarget financial concern mdash and the are making trategic move to avoid it Thepercentage of millennial who alread own traditional and Roth IRA i roughl the amea the national average for all houehold at over 40 percent
According to the Invetment Compan Intitute (ICI) 20 percent of all Roth IRA are nowowned millennial uch ignificant participation rate how a generation exhiiting ahigh level of aving awarene ut there i ome ad new a well Millennial tend tohun profeional financial advice and trut financial profeional and intitution muchle than prior generation did A a reult Well Fargo found the tend to rel on advicefrom peer and famil a oppoed to profeional ource
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 510
Related Millennial Forcing change upon our indutr
Millennial eing more willing to ave mone than prior generation i certainl theldquogla i half fullrdquo piece of the equation Doutle not much additional anali or colorneed to e added to thi fact mdash millennial are motivated to ave
The iue on the ldquogla i half emptrdquo ide of the equation aound ut are certainl notinurmountale In order to overcome thee trut iue advior and thoe in thefinancial ervice indutr need to conider a different approach and a completel newwa of thinking
Three iue advior can addre In order for advior to tackle millennialrsquo aving concern itrsquo important to undertandthe concern the are facing in their attle to ave
The firt i the erroneou elief that retirement i the onl otacle on the mind of themillennial aver In fact millennial are eet and eieged the competing avingprioritie prior generation were impl not taught to incorporate into their aving planThing uch a paing off college det aiting elderl parent outliving their ownaving college aving for their kid and aving for health care need oth prior to andin retirement are ving for their attention
Advior need to recognize thi and approach their aving goal with the undertandingthat retirement i not millennialrsquo main priorit and in fact there are man need takingprecedent over it
The econd iue i millennial are ver entrepreneurial o the idea that emploer planare a one-ize-fit-all olution i not quite right The percentage to total numer ofindependent worker in the millennial generation i higher than in an other ometudie how millennial independent a alread making up 30 percent of theindependent workforce
Getting millennial who do have acce to emploer-ponored plan to etter leveragetheir advantage i till a great approach ut it need to e a component of a largertrateg intead of the ole one
Latl a large numer of millennial are echewing aving anthing for retirementdirectl preferring to put their often relativel meager availale aving dollar into cahequivalent or what i often referred to a ldquorain da fundrdquo Thi ro them of theopportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult man
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 610
Featured Video
opportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult manare not realizing the potential enefit of their generational penchant for aving mone
Related 17 wa to etter market to millennial
At a minimum advior hould teach thee oung aver to invet their ldquorain dardquodollar into Roth IRA intead of dumping them into aving account Thi wa the cantill have acce to their contriution dollar at an point hould an immediate financialneed preent itelf opening thee Roth ooner rather than later millennial alotart the five-ear Roth clock o the ooner thee oung aver put a few dollar in theooner the can realize the full enefit of the Roth IRA
Cloing the gapWhile millennial are philoophicall ahead of the curve on aving for retirement theneed more guidance than an prior generation The are paing down det from anumer of ource o their availale aving dollar are often omewhat mall and onlthe mot forward thinking financial profeional are willing to peak to them eforethe accumulate enough aet
uilding trut with millennial and helping channel their deire to ave i the ke touilding long-term relationhip The are the larget generation in hitor and theopportunit for advior recognize thi firt i potentiall maive
ee alo
What millennial want from work and life
How to target millennial with life inurance marketing
5 wa to ell life inurance to millennial
Wersquore on Faceook are ou
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 710
The AppAit tele-app program i awin-win for advior and cutomerPROVIDD Y LGAL amp GNRAL AMRICA
Drop a imple ticket and AppAit take over the adminitrative urden ofapplication fulfillment and cae management
HAR THI VIDO
Mot Recent Video
ehind the cene with Vicki Gunvalon[VIDO]
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 310
Now look at what the Dow Jone Indutrial Average did during each correponding ear
(ource Macrotrend LLC ldquoDow Jone 100 Year Hitorical Chartrdquo)
ince 2000 the millennial mindet around mone mdash everthing from aving it to takingout loan mdash ha een haped unprecedented change in the gloal econom
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 410
Millennial have a variet of concern aout aving for retirement and often the mi out ontax-preferred aving vehicle like Roth IRA (Photo itock)
Addreing millennialrsquo aving concernA Well Fargo tud found that 42 percent of urveed millennial a that det i theirlarget financial concern mdash and the are making trategic move to avoid it Thepercentage of millennial who alread own traditional and Roth IRA i roughl the amea the national average for all houehold at over 40 percent
According to the Invetment Compan Intitute (ICI) 20 percent of all Roth IRA are nowowned millennial uch ignificant participation rate how a generation exhiiting ahigh level of aving awarene ut there i ome ad new a well Millennial tend tohun profeional financial advice and trut financial profeional and intitution muchle than prior generation did A a reult Well Fargo found the tend to rel on advicefrom peer and famil a oppoed to profeional ource
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 510
Related Millennial Forcing change upon our indutr
Millennial eing more willing to ave mone than prior generation i certainl theldquogla i half fullrdquo piece of the equation Doutle not much additional anali or colorneed to e added to thi fact mdash millennial are motivated to ave
The iue on the ldquogla i half emptrdquo ide of the equation aound ut are certainl notinurmountale In order to overcome thee trut iue advior and thoe in thefinancial ervice indutr need to conider a different approach and a completel newwa of thinking
Three iue advior can addre In order for advior to tackle millennialrsquo aving concern itrsquo important to undertandthe concern the are facing in their attle to ave
The firt i the erroneou elief that retirement i the onl otacle on the mind of themillennial aver In fact millennial are eet and eieged the competing avingprioritie prior generation were impl not taught to incorporate into their aving planThing uch a paing off college det aiting elderl parent outliving their ownaving college aving for their kid and aving for health care need oth prior to andin retirement are ving for their attention
Advior need to recognize thi and approach their aving goal with the undertandingthat retirement i not millennialrsquo main priorit and in fact there are man need takingprecedent over it
The econd iue i millennial are ver entrepreneurial o the idea that emploer planare a one-ize-fit-all olution i not quite right The percentage to total numer ofindependent worker in the millennial generation i higher than in an other ometudie how millennial independent a alread making up 30 percent of theindependent workforce
Getting millennial who do have acce to emploer-ponored plan to etter leveragetheir advantage i till a great approach ut it need to e a component of a largertrateg intead of the ole one
Latl a large numer of millennial are echewing aving anthing for retirementdirectl preferring to put their often relativel meager availale aving dollar into cahequivalent or what i often referred to a ldquorain da fundrdquo Thi ro them of theopportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult man
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 610
Featured Video
opportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult manare not realizing the potential enefit of their generational penchant for aving mone
Related 17 wa to etter market to millennial
At a minimum advior hould teach thee oung aver to invet their ldquorain dardquodollar into Roth IRA intead of dumping them into aving account Thi wa the cantill have acce to their contriution dollar at an point hould an immediate financialneed preent itelf opening thee Roth ooner rather than later millennial alotart the five-ear Roth clock o the ooner thee oung aver put a few dollar in theooner the can realize the full enefit of the Roth IRA
Cloing the gapWhile millennial are philoophicall ahead of the curve on aving for retirement theneed more guidance than an prior generation The are paing down det from anumer of ource o their availale aving dollar are often omewhat mall and onlthe mot forward thinking financial profeional are willing to peak to them eforethe accumulate enough aet
uilding trut with millennial and helping channel their deire to ave i the ke touilding long-term relationhip The are the larget generation in hitor and theopportunit for advior recognize thi firt i potentiall maive
ee alo
What millennial want from work and life
How to target millennial with life inurance marketing
5 wa to ell life inurance to millennial
Wersquore on Faceook are ou
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 710
The AppAit tele-app program i awin-win for advior and cutomerPROVIDD Y LGAL amp GNRAL AMRICA
Drop a imple ticket and AppAit take over the adminitrative urden ofapplication fulfillment and cae management
HAR THI VIDO
Mot Recent Video
ehind the cene with Vicki Gunvalon[VIDO]
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 410
Millennial have a variet of concern aout aving for retirement and often the mi out ontax-preferred aving vehicle like Roth IRA (Photo itock)
Addreing millennialrsquo aving concernA Well Fargo tud found that 42 percent of urveed millennial a that det i theirlarget financial concern mdash and the are making trategic move to avoid it Thepercentage of millennial who alread own traditional and Roth IRA i roughl the amea the national average for all houehold at over 40 percent
According to the Invetment Compan Intitute (ICI) 20 percent of all Roth IRA are nowowned millennial uch ignificant participation rate how a generation exhiiting ahigh level of aving awarene ut there i ome ad new a well Millennial tend tohun profeional financial advice and trut financial profeional and intitution muchle than prior generation did A a reult Well Fargo found the tend to rel on advicefrom peer and famil a oppoed to profeional ource
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 510
Related Millennial Forcing change upon our indutr
Millennial eing more willing to ave mone than prior generation i certainl theldquogla i half fullrdquo piece of the equation Doutle not much additional anali or colorneed to e added to thi fact mdash millennial are motivated to ave
The iue on the ldquogla i half emptrdquo ide of the equation aound ut are certainl notinurmountale In order to overcome thee trut iue advior and thoe in thefinancial ervice indutr need to conider a different approach and a completel newwa of thinking
Three iue advior can addre In order for advior to tackle millennialrsquo aving concern itrsquo important to undertandthe concern the are facing in their attle to ave
The firt i the erroneou elief that retirement i the onl otacle on the mind of themillennial aver In fact millennial are eet and eieged the competing avingprioritie prior generation were impl not taught to incorporate into their aving planThing uch a paing off college det aiting elderl parent outliving their ownaving college aving for their kid and aving for health care need oth prior to andin retirement are ving for their attention
Advior need to recognize thi and approach their aving goal with the undertandingthat retirement i not millennialrsquo main priorit and in fact there are man need takingprecedent over it
The econd iue i millennial are ver entrepreneurial o the idea that emploer planare a one-ize-fit-all olution i not quite right The percentage to total numer ofindependent worker in the millennial generation i higher than in an other ometudie how millennial independent a alread making up 30 percent of theindependent workforce
Getting millennial who do have acce to emploer-ponored plan to etter leveragetheir advantage i till a great approach ut it need to e a component of a largertrateg intead of the ole one
Latl a large numer of millennial are echewing aving anthing for retirementdirectl preferring to put their often relativel meager availale aving dollar into cahequivalent or what i often referred to a ldquorain da fundrdquo Thi ro them of theopportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult man
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 610
Featured Video
opportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult manare not realizing the potential enefit of their generational penchant for aving mone
Related 17 wa to etter market to millennial
At a minimum advior hould teach thee oung aver to invet their ldquorain dardquodollar into Roth IRA intead of dumping them into aving account Thi wa the cantill have acce to their contriution dollar at an point hould an immediate financialneed preent itelf opening thee Roth ooner rather than later millennial alotart the five-ear Roth clock o the ooner thee oung aver put a few dollar in theooner the can realize the full enefit of the Roth IRA
Cloing the gapWhile millennial are philoophicall ahead of the curve on aving for retirement theneed more guidance than an prior generation The are paing down det from anumer of ource o their availale aving dollar are often omewhat mall and onlthe mot forward thinking financial profeional are willing to peak to them eforethe accumulate enough aet
uilding trut with millennial and helping channel their deire to ave i the ke touilding long-term relationhip The are the larget generation in hitor and theopportunit for advior recognize thi firt i potentiall maive
ee alo
What millennial want from work and life
How to target millennial with life inurance marketing
5 wa to ell life inurance to millennial
Wersquore on Faceook are ou
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 710
The AppAit tele-app program i awin-win for advior and cutomerPROVIDD Y LGAL amp GNRAL AMRICA
Drop a imple ticket and AppAit take over the adminitrative urden ofapplication fulfillment and cae management
HAR THI VIDO
Mot Recent Video
ehind the cene with Vicki Gunvalon[VIDO]
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 510
Related Millennial Forcing change upon our indutr
Millennial eing more willing to ave mone than prior generation i certainl theldquogla i half fullrdquo piece of the equation Doutle not much additional anali or colorneed to e added to thi fact mdash millennial are motivated to ave
The iue on the ldquogla i half emptrdquo ide of the equation aound ut are certainl notinurmountale In order to overcome thee trut iue advior and thoe in thefinancial ervice indutr need to conider a different approach and a completel newwa of thinking
Three iue advior can addre In order for advior to tackle millennialrsquo aving concern itrsquo important to undertandthe concern the are facing in their attle to ave
The firt i the erroneou elief that retirement i the onl otacle on the mind of themillennial aver In fact millennial are eet and eieged the competing avingprioritie prior generation were impl not taught to incorporate into their aving planThing uch a paing off college det aiting elderl parent outliving their ownaving college aving for their kid and aving for health care need oth prior to andin retirement are ving for their attention
Advior need to recognize thi and approach their aving goal with the undertandingthat retirement i not millennialrsquo main priorit and in fact there are man need takingprecedent over it
The econd iue i millennial are ver entrepreneurial o the idea that emploer planare a one-ize-fit-all olution i not quite right The percentage to total numer ofindependent worker in the millennial generation i higher than in an other ometudie how millennial independent a alread making up 30 percent of theindependent workforce
Getting millennial who do have acce to emploer-ponored plan to etter leveragetheir advantage i till a great approach ut it need to e a component of a largertrateg intead of the ole one
Latl a large numer of millennial are echewing aving anthing for retirementdirectl preferring to put their often relativel meager availale aving dollar into cahequivalent or what i often referred to a ldquorain da fundrdquo Thi ro them of theopportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult man
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 610
Featured Video
opportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult manare not realizing the potential enefit of their generational penchant for aving mone
Related 17 wa to etter market to millennial
At a minimum advior hould teach thee oung aver to invet their ldquorain dardquodollar into Roth IRA intead of dumping them into aving account Thi wa the cantill have acce to their contriution dollar at an point hould an immediate financialneed preent itelf opening thee Roth ooner rather than later millennial alotart the five-ear Roth clock o the ooner thee oung aver put a few dollar in theooner the can realize the full enefit of the Roth IRA
Cloing the gapWhile millennial are philoophicall ahead of the curve on aving for retirement theneed more guidance than an prior generation The are paing down det from anumer of ource o their availale aving dollar are often omewhat mall and onlthe mot forward thinking financial profeional are willing to peak to them eforethe accumulate enough aet
uilding trut with millennial and helping channel their deire to ave i the ke touilding long-term relationhip The are the larget generation in hitor and theopportunit for advior recognize thi firt i potentiall maive
ee alo
What millennial want from work and life
How to target millennial with life inurance marketing
5 wa to ell life inurance to millennial
Wersquore on Faceook are ou
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 710
The AppAit tele-app program i awin-win for advior and cutomerPROVIDD Y LGAL amp GNRAL AMRICA
Drop a imple ticket and AppAit take over the adminitrative urden ofapplication fulfillment and cae management
HAR THI VIDO
Mot Recent Video
ehind the cene with Vicki Gunvalon[VIDO]
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 610
Featured Video
opportunit to ave in tax-preferred 401(k) or IRA retirement vehicle A a reult manare not realizing the potential enefit of their generational penchant for aving mone
Related 17 wa to etter market to millennial
At a minimum advior hould teach thee oung aver to invet their ldquorain dardquodollar into Roth IRA intead of dumping them into aving account Thi wa the cantill have acce to their contriution dollar at an point hould an immediate financialneed preent itelf opening thee Roth ooner rather than later millennial alotart the five-ear Roth clock o the ooner thee oung aver put a few dollar in theooner the can realize the full enefit of the Roth IRA
Cloing the gapWhile millennial are philoophicall ahead of the curve on aving for retirement theneed more guidance than an prior generation The are paing down det from anumer of ource o their availale aving dollar are often omewhat mall and onlthe mot forward thinking financial profeional are willing to peak to them eforethe accumulate enough aet
uilding trut with millennial and helping channel their deire to ave i the ke touilding long-term relationhip The are the larget generation in hitor and theopportunit for advior recognize thi firt i potentiall maive
ee alo
What millennial want from work and life
How to target millennial with life inurance marketing
5 wa to ell life inurance to millennial
Wersquore on Faceook are ou
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 710
The AppAit tele-app program i awin-win for advior and cutomerPROVIDD Y LGAL amp GNRAL AMRICA
Drop a imple ticket and AppAit take over the adminitrative urden ofapplication fulfillment and cae management
HAR THI VIDO
Mot Recent Video
ehind the cene with Vicki Gunvalon[VIDO]
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 710
The AppAit tele-app program i awin-win for advior and cutomerPROVIDD Y LGAL amp GNRAL AMRICA
Drop a imple ticket and AppAit take over the adminitrative urden ofapplication fulfillment and cae management
HAR THI VIDO
Mot Recent Video
ehind the cene with Vicki Gunvalon[VIDO]
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 810
[VIDO]PROVIDD Y LIFHALTHPRO
In thi excluive interview Vicki Gunvalon hare how he uilt a $15 million aear annuit uine planning for
Regulator Market ma need to reinvent LTCIPROVIDD Y LIFHALTHPRO
Cioppa a Maine governor want to pur the creation of etter product
Dementia It more than AlzheimerPROVIDD Y LIFHALTHPRO
An aociation call for policmaker to rememer leer-knownneurodegenerative condition
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 910
neurodegenerative condition
Proteter Dirupt WellPoint Annual MeetingPROVIDD Y LIFHALTHPRO
Heckler call for more dicloure of information aout political contriution
MOR ROURC
POWRD Y PRV NXT
Holida onu OfferGet a ample Cop ofthe eminar Invitationthat PACKING ROOM
Free Download 401(k) and PenionRollover powerful conumer eookGive thi powerfuleook to our clientand propect togenerate hot annuitlead
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo
1272016 Why millennials are more interested in saving for retirement | LifeHealthPro
httpwwwlifehealthprocom20161207whyshymillennialsshyareshymoreshyinterestedshyinshysavingshyforampslreturn=1481126437 1010
PONOR HOWCA
Preenting the Fiduciar Reource CenterKeep track of the latet development related to the DOL rule and how ou need toadapt our firm to compl with change and provide the et ervice to our client
LARN MOR
FIDUCIARY ROURC CNTR raquo
Preenting the LifeHealthPro Video LirarAcce informative video from our expert editor and indutr partner Video wille availale throughout the ite and can e hared with colleague and client
ROW VIDO
VIDO LIRARY raquo