Each January, your clients get inundated with annual statements, of all kinds. And they may get to thinking something like this… Huh, here’s a 403(b) from when I worked at the non-profit.  Completely forgot about that.  Nice!

And then the statement makes its way to the “for later” file.

This response is repeated in millions of homes year after year.  Random 401(k)s, IRAs, and other qualified plans of varying amounts are forgotten.  Until next January.

The opportunity

Random plans of varying amounts can add up and can represent a significant loss if your clients lose track of their plans.

Help them get their financial house in order so they can clearly see where their money is and, more importantly, can access it when the time is right.

What might that prospect look like

The “job changer” is typically in their 30s to 50s. Of course, the older client has the potential to have more changes over the years.

Also keep an eye out for clients who have moved around a bit, for example, the spouse of active military.

Start the conversation now

• “How long have you been with your present employer?”
• “Do you have retirement plans from previous employers?”
• “Do you know where all of your retirement money is?”

To this last question, many will be either unsure or will list a myriad of companies, still with uncertainty. Explain the benefits of consolidating their qualified accounts into an IRA to protect their retirement.

Products to solve for

Accumulation focus FIT Secure Growth
Income focus FIT Guaranteed Income

Now, make it happen!

Visit the IRA Landing Page

* https://www.bls.gov/news.release/nlsoy.t01.htm, 8/22/19