 Your Client's Money is Protected!Agents and advisors, let’s take a moment to recognize the power of the work you’ve already done. Right now, while the markets are volatile, you can feel great knowing that your clients who placed their trust in you — and in safe money strategies — have not lost a penny due to market volatility. That’s the power of the plans you put in place. That’s the power of you being the hero for your clients. But let’s take it a step further.Right now is the perfect time to reach out to those clients who have annuities in place. Give them a call. Remind them of the great decision they made when they chose to protect their money. Remind them that their nest egg is secure, their money hasn’t lost value, and if they have lifetime income benefits, they have options that could be turned on for guaranteed income. Better yet, set up those review appointments.Face-to-face, phone, or virtual — it doesn’t matter. What matters is the reassurance you give, and the conversations you open up. Because more often than not, during these review meetings, your clients will share that they have other money sitting in volatile places — money that could be safely protected in an annuity. These conversations don’t just strengthen your relationships. They uncover opportunities. They give your clients peace of mind. And they remind your clients that you are the steady, trusted guide in uncertain times. So be the hero today. Pick up the phone, reach out, and let your clients know:
 Uncertainty: Agents, producers, and advisors across the country — let’s face it, we are in a time of upheaval, uncertainty, and volatility in the equity markets. I know I might sound like a broken record — my recent commentaries have circled around this same theme — but the reality is this: Middle America needs our help now more than ever. People are anxious. They’re watching their 401(k)s and IRAs get battered by market swings. They’re seeing headlines about tariffs and wondering what it all means for their future. And while the market tumbles, we stand strong with guarantees. Clients are looking for safety. They’re looking for income they can count on. They’re looking for someone to trust — and that someone is you. FIA’s Are The Financial Shield Your Clients Need: Fixed-indexed annuities are shining right now. Interest rates are high. Our products are offering tremendous opportunities for growth without market risk. And when you pair that with a volatile stock market and an uncertain economic outlook, it’s clear — the stars are aligning. We, the Safe Money Places agents, are finally in the spotlight. And in a time like this, we look like the hero. So be the hero. Pick up the phone. Reach out to those clients who said, “I want to wait until the market comes back.” You and I both know — now is the time. They’re probably already panicking and calling their current advisors. Be the calm in the storm. Credibility Counts:At the Ohlson Group, we give you the tools to win. When you work with Ohlson Group, you’re part of the Safe Money Places agent network, you’re backed by a brand that builds trust. You can proudly display that badge on your website — because it means something. It means you’re aligned with professionals who specialize in helping retirees and pre-retirees secure their future. Now Is The Time!So, if you’ve got a prospect, and you’re not quite sure what to do — call us. Email us. Whether it’s a tricky case, a big case, or just someone you’re not sure how to approach, we’re here to help. Let’s make this the moment where you step up for your clients and step into your role as their financial hero. Strike while the iron’s hot. Make hay while the sun is shining. Give us a call today — let’s go to work.
 If you’ve ever struggled to distinguish between wants and needs, you are not alone. Sometimes we want something so intensely it feels like a need. Similarly, we may actually need something that we have dismissed as a want. For example, we may think that taking some time off work is a frivolous want and not something we should dedicate too much of our headspace to. In reality, we may be barreling towards burnout if we don’t give ourselves a break. It isn’t always easy to tell the difference between a need and a want or to identify the value in satisfying our needs and wants. However, understanding our needs and wants better can help us to improve our financial health and well-being. Anyone considering life insurance will face two challenges, how much do they need and how do they fit this want within their budget. Challenge #1: Balancing life insurance coverage with changing needsEach stage of life has different needs to protect, as the illustration below shows, but how does one protect today’s needs and prepare for tomorrows?  Challenge #2: Balancing life insurance needs with your budgetLife insurance is generally more affordable than most people realize. But trying to buy a life policy that will cover all the needs for an entire life would probably exceed current budget available today. How does one address those needs in a cost-effective and budget-friendly way? A balanced solution that uses both temporary and permanent insurance Rather than make one policy do everything, combining two different types of policy may be a more effective and cost-efficient solution.
The benefit of balancing temporary and permanent insurance Using both types of policy can address challenges concerning coverage and budget:
Permanent insurance can provide a base of protection, while term insurance acts as a supplement during times of greater need. A balanced solution addresses immediate and future needs without delaying the purchase of permanent insurance.  Advantages of a balanced approach:
Work with The Ohlson Group and Levon Justice to find the right type and amount of life insurance for your client's needs. Together, we can find the right balance for your client's life insurance needs.
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The Digital Millennium Copyright Act of 1998, as amended, (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that materials we host infringe your copyright, you (or your agent) may send us a notice requesting that we remove the material or block access to it. If you believe in good faith that someone has wrongly filed a notice of copyright infringement against you, the DMCA permits you to send us a counter-notice. Notices and counter-notices must meet the then-current statutory requirements imposed by the DMCA; see http://www.loc.gov/copyright/ for details. Notices and counter-notices should be sent to [email protected]. The Ohlson Group, Inc., (877) 844-0900. We suggest that you consult your legal advisor before filing a notice or counter-notice. Also, please be aware that there are penalties for false claims under the DMCA.
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