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    Pandemic Fallout — Americans Delay or Cancel Retirement

    posted in Client Relationships, Retirement Planning Aug 3, 2021


    In addition to the pandemic’s impact on people’s health and emotional wellbeing, COVID-19 has taken a major toll on many Americans’ finances. As a result, you may have gotten some surprising calls from clients or discovered concerning developments when checking in with them.

    After seeing record unemployment and an economy that came to a virtual standstill, many U.S. adults were forced to shift their retirement goals as a result of the financial impact. In fact, almost one in five (19%) indicate they’ve been forced to delay retirement or not retire at all.1

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    For the Third Year Running, CUNA Mutual Group Annuities Recognized Among the Best

    posted in Retirement Planning, News & Press Jul 26, 2021

    A top U.S. weekly financial magazine has for the third year in a row recognized multiple annuity products from CUNA Mutual Group for its annual list of the best annuities available to investors, across numerous product categories. (Wondering which annuities made the lists in previous years? See our 2019 and 2020 announcements.)

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    CUNA Mutual Group Launches ZoneChoice™ Registered Index-Linked Annuity

    posted in News & Press Jul 21, 2021

    ZoneChoice gives consumers a simpler investing experience that can be personalized to each individual’s risk tolerance and features a new index developed by Barclays

    Madison, WI., July 13, 2021 – CUNA Mutual Group, a leading insurance and financial services company, announced today the launch of the new ZoneChoice Annuity issued by MEMBERS Life Insurance Company, a registered index-linked annuity. This new product will allow savers to personalize their investment strategy to meet their unique risk tolerance with the potential to deliver higher returns through varying market cycles along with valuable downside protection.

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    Helping Young Adults Rebalance Work, Life and Retirement Goals

    posted in Client Relationships, Retirement Planning Jul 6, 2021


    Today’s young adults, including the youngest millennials and older members of Generation Z, are experiencing a first working decade that’s very different from those of generations before them. Among the differences: high levels of educational attainment, significant student debt, a greater proportion of gig work, fluid expectations for their career paths and a practically unfathomable retirement target date.

    Older generations may tend to judge the choices of younger people, but it’s important to recognize the ways work, life – and retirement savings – have changed over the course of decades.

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    Pros and Cons of Cash: Are Annuities a Better Strategy?

    posted in Client Relationships Jun 29, 2021


    As an asset class, cash generally elicits one of two responses from investors: “cash is king,” or “cash is trash.” Most of your clients are probably in one camp or the other, while some could be conflicted. On one hand, they may see the positive benefits of holding onto cash — shielding against the unexpected or having more flexibility to invest as opportunities arise. On the other hand, they may harbor a genuine fear of missing out on possible investment returns and resulting portfolio growth.

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    How Financial Advisors Can Address Clients’ Needs As They Age

    posted in Client Relationships Jun 22, 2021

    It’s estimated that more than six million Americans age 65 and older are living with Alzheimer's dementia today. This number could more than double by 2060 if medical breakthroughs to prevent, slow or cure the disease aren’t developed.1 Given the aging U.S. population, these statistics may not be particularly startling; however, they should serve as a wake-up call for financial advisors.

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    The Unique Post-Pandemic Challenges of Women Investors

    posted in Client Relationships Jun 15, 2021


    If you’re asked to envision a typical investor, who comes to mind? Chances are the individual you picture is a male. Through the years, however, you’ve likely seen an uptick in the number of women who’ve shown an interest in investing or who control the finances in a household.

    There are many factors that may have caused this shift, whether it be the setting aside of traditional norms or the move toward more gender equality. However, there is data to suggest that women are bearing more of the financial brunt of the COVID-19 pandemic.

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    Volatile Markets? How and When to Communicate With Clients

    posted in Client Relationships Jun 8, 2021


    Financial advisors generally understand and accept that volatility is inherent in the stock market, but not all clients are as immune to the natural ebb and flow of investing.  Market dips may grip clients with fear, leading to a reactive leap out of their long-term investment strategy.

    In “panic mode,” having a big picture discussion about the economy or market cycles may briefly calm clients. It likely won’t take long, however, until they once again worry themselves into considering poor financial choices.

    As their financial advisor, part of the value you bring to the advisor/client relationship is a voice of reason to combat the fear. Acknowledging your clients’ concerns as valid has a twofold benefit. It reinforces that you take your clients seriously and that, by wanting to help, you are on their side. From there, leaning into a conversation about the situation and next steps may prove easier and more advantageous.

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    June is National Annuity Awareness Month

    Jun 1, 2021

    National Annuity Awareness Month is a great time to introduce and discuss the overall benefits of annuities to your clients.

    Guaranteed income conversations take on added importance when discussing confidence among retirees regarding their savings. Given the tumultuous nature of the market in the last year, many more of your clients may look for risk control options.

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    CUNA Mutual Group Annuities Launches Acceleration® Experience Platform to Help Strengthen and Innovate Advisor Practices

    posted in News & Press May 27, 2021

    Online platform expands CUNA Mutual Group’s digital suite of advisor resources

    Madison, WI., May 27CUNA Mutual Group announced today the digital launch of Acceleration®, a value-add program designed to help appointed advisors strengthen their client relationships and grow their practices to best meet their evolving financial planning needs.

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