"Hey, we can't save for retirement now. We just out of school, have student loans to pay and I need a new car. Plus, time to have some fun and I have plenty of time to save."
"We can't save another nickel between the growing family, new mortgage, and private schools. We will have plenty of extra money later. Plenty of time."
"Save more for retirement? Are you kidding? We have one kid in college and another right behind this one. It's the most expensive time in our lives. When the kids are out of college, we will get a big pay raise, and will start plowing away retirement money then."
"I know that we should be saving more for retirement, but things didn't work out like we thought. We got caught in a market sell off and had to start a new job. We are just strapped."
"Where did the years go? We thought that we had plenty of time to save for retirement. We weren't worried because our 401k’s and our tech stocks were flying. Then boom... a market correction. Is there anything that we can do now? We need additional retirement income…"
Luckily, the answer is "Yes!"
You can help your clients establish their own "Personal Pension Plans" and utilize annuities for a portion of that plan. You should contact your clients now to discuss their alternatives, because the past can directly affect the future. Now might be time to keep some of their money in a safe place. Let us help you, help them.