Do you have clients or prospects who…Have retired or are retiring shortly?
Are seeking tax-deferral on contributions, a tax deduction and anticipate their income tax bracket at retirement to be lower than their current bracket?
Do not have access to an employer-sponsored retirement plan?
Have maxed out contributions to their employer-sponsored plan, have income below the deductibility limits, and would like to save more?
Are seeking tax-free withdrawals in retirement to balance their retirement portfolio?
These questions are how you take your conversations above and beyond. They are not just relevant to your clients’ and prospects’ situation at-hand. They can be relevant to a spouse, a friend, a coworker…a referral.