Tag Archives: estate planning

TFS Insurance Advisor – February 2016 Newsletter

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To download or view the entire newsletter in PDF format, please click on this link or on the pictures above.

If you have questions regarding these products, please contact or our Business Development Specialist, Thomas Hyland Jr.

Thomas P. Hyland, Jr.
Business Development Specialist
(732) 758-9300 x127
THylandJr@TFSweb.com

TFS Insurance Brokerage, Inc.

Insurance Products Offered through TFS Insurance Brokerage, Inc.
Securities Offered Through TFS Securities, Inc. Member FINRA & SIPC
Investment Advisory Services Offered Through TFS Advisory Services
Mortgages Offered Through TFS Mortgage Corporation, Inc.
Find out about us at www.tfsweb.com

TFS Insurance Advisor – October 2015 Newsletter

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To download or view the entire newsletter in PDF format, please click on this link or on the pictures above.

Thomas P. Hyland, Jr.
Business Development Specialist
TFS Insurance Brokerage, Inc.
Direct:          (732) 758-9300 x127
Toll-free:       (800) 833-1862 x127
DirectFax:    (732) 576-4519
Email:          THylandJr@TFSweb.com
Find out about us at www.tfsweb.com

TFS Insurance Advisor – August 2015 Newsletter

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To download or view the entire newsletter in PDF format, please click on the above pictures or click here.

Thomas P. Hyland, Jr.
Business Development Specialist
TFS Insurance Brokerage, Inc.
Direct: (732) 758-9300 x127
Toll-free: (800) 833-1862 x127
DirectFax: (732) 576-4519
Email: THylandJr@TFSweb.com
Find out about us at www.tfsweb.com

Leverage Programs Available!

What if  your client needed to take a early retirement and  the social security benefits will not give them enough monthly income. If only they could wait a little longer. The solution? A Reverse Mortgage could be the answer. Click on the link and take a look.

http://wi.tfsweb.com/mortgage/socialsecuritydefexp.pdf

 

Richard E. Widmer VP-New Business Development
(732) 758-9300 x116 rwidmer@tfsweb.com NMLS ID 861176

TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard E. Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

 

 

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

Leverage Programs Available!

If you have a Client that owns or is looking to own, TFS Mortgage has the experience and expertise to assist you with a program that will give you the opportunity to not only help them reach their financial goals, but open up other opportunities that may not have been possible.

Take a look at a few programs that are available on the market today.

Conforming FHLMC/FMMA Loans–  Refinance, Cash out, Purchase with as little as 5% Down Payment

Jumbo Loans– High loan amounts

FHA/VA USDA– All government loans, Purchase, Refinance Cash Out with as little as Zero Down Payment.

Harp Programs– When Client owes more than the home is worth.

Construction Loans– From home improvements to building a new home.

Reverse Mortgages– Purchase or Refinance with 3 cash options for Clients 62 or older.

Commercial Lending– non residential properties, purchase or refinance

Asset Based Lending/ Stated Income for non- owner occupied homes/ Foreign Nationals

The list goes on…. Don’t loose any opportunities for your clients

when home ownership is available or wanted. Contact me with questions.

Richard E. Widmer VP-New Business Development
(732) 758-9300 x116 rwidmer@tfsweb.com NMLS ID 861176

Take a look at these case studies using Leverage to uncover and satisfy Clients needs.

Case One

*Tom and Lisa are  Married with two kids ages 3 and 5
*Home Owners for the past 10 years
*Mortgage 350k Value is 500k
*10k in credit card debt
*Car payments
*They have no real savings pattern
*No emergency fund
*No Life Insurance
Goal:
*College Funds 100 per month to spend.
*Uncovered- credit card debt, monthly payments, under insured

 

Solution

*Refinance for cash out.
*Lowering their payments, increasing their cash flow each month by $400
*Putting 5k into an emergency fund
*Opening two college fund accounts that are funded with the savings from the credit cards
*Obtain Life Insurance Polices
*Potential Mortgage Commission – $ contact me to discuss
*Potential Ins, Investment Commission $

 

Case Two

*Peter and Mary, married, 3 kids under 10
*Client called to cash in stocks
*Home under valued rate @ 6%
*Owes 400k Value 350k
*Just keeping above water
Goal:
*More savings , Collage fund

 

Solution:

*Clients Qualify for Harp 2.0 Refinance
*Lowers Rate and saves over $300 lowing rate by 1.5%
*Start College Funds
*More Life Insurance
*Surplus each month
*Potential Mortgage commission $ Contact me to discuss
*Potential Ins, Investment commission $..

 

Case Three:

Clients, both 62 years old, have a retirement portfolio totaling $500,000 which runs the risk of being depleted in 18 years; despite a financial plan that includes Social Security income and owning a home valued at $600,000.

Solution:

Using a HECM (Reverse Mortgage) loan with a tenure disbursement,  the clients paid off their existing mortgage and improved their monthly cash flow with supplemental tax-free cash. Now the
clients have sufficient assets and income to stretch their retirement assets
through ages 89

Reverse

 

These are just a few ways to help your clients reach their overall Financial Goals.

Convinced Yet??  “LEVERAGE = OPPORTUNITY”  Contact me to discuss how TFS Mortgage can help you reach your Clients Goals!

 

TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard E. Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

 

 

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

Mortgage equals Leverage Opportunity – Not Rate!

 

Take a look at these case studies using Leverage to uncover and satisfy Clients needs.

Case One

*Tom and Lisa are  Married with two kids ages 3 and 5
*Home Owners for the past 10 years
*Mortgage 350k Value is 500k
*10k in credit card debt
*Car payments
*They have no real savings pattern
*No emergency fund
*No Life Insurance
Goal:
*College Funds 100 per month to spend.
*Uncovered- credit card debt, monthly payments, under insured

 

Solution

*Refinance for cash out.
*Lowering their payments, increasing their cash flow each month by $400
*Putting 5k into an emergency fund
*Opening two college fund accounts that are funded with the savings from the credit cards
*Obtain Life Insurance Polices
*Potential Mortgage Commission – $ contact me to discuss
*Potential Ins, Investment Commission $

 

Case Two

*Peter and Mary, married, 3 kids under 10
*Client called to cash in stocks
*Home under valued rate @ 6%
*Owes 400k Value 350k
*Just keeping above water
Goal:
*More savings , Collage fund

 

Solution:

*Clients Qualify for Harp 2.0 Refinance
*Lowers Rate and saves over $300 lowing rate by 1.5%
*Start College Funds
*More Life Insurance
*Surplus each month
*Potential Mortgage commission $ Contact me to discuss
*Potential Ins, Investment commission $..

 

Case Three:

Clients, both 62 years old, have a retirement portfolio totaling $500,000 which runs the risk of being depleted in 18 years; despite a financial plan that includes Social Security income and owning a home valued at $600,000.

Solution:

Using a HECM (Reverse Mortgage) loan with a tenure disbursement,  the clients paid off their existing mortgage and improved their monthly cash flow with supplemental tax-free cash. Now the
clients have sufficient assets and income to stretch their retirement assets
through ages 89

Reverse

 

These are just a few ways to help your clients reach their overall Financial Goals.

Convinced Yet??  “LEVERAGE = OPPORTUNITY”  Contact me to discuss how TFS Mortgage can help you reach your Clients Goals!

 

TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard E. Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

 

 

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

Access home equity to help complete your client’s retirement plan.

 ReverseMortgageWidmer_001TFS Advisory Services 3C

               Now’s the time to make the INVESTMENT and become your Clients               newspapers

 “Trusted Mortgage Advisor”
Let me show you how!

For More Information Contact: Richard Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-300 ext. 116

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker:  NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ  07738(732) 758-9300 FAX (732) 758-9418

EXCITING NEW SALES TOOLS – TFS & North American are making it easier to educate your clients about life insurance

Tomorrow's Financial Services, Inc.Are you looking for a way to start a conversation with your clients about life insurance? TFS & North American are excited to share with you a new sales tool to help you do just that. We have developed a series of professionally produced educational client approved videos that can help  your clients begin to understand the myriad of ways in which life insurance can help them better achieve their financial goals. You can download a copy of these videos from YouTube or simply send your clients links to view them on YouTube.

Click on the hyperlinks below to take a look at any of the covered topics, and feel free to forward on to your clients for their benefit to!!!

Annuity Maximization – The objective is to provide a greater death benefit for heirs using annuity assets. Gain insight into how this strategy works and how you can help build your sales.

Business Planning – Your business clients have unique life insurance needs. Let us help simplify your sales process with our powerful sales strategies covering Buy-Sell, Executive Bonus, & Key Person Insurance.

College Funding – A premature death and the rising costs of college tuition can be hard on a family. Help your clients gain financial protection and help pay for college with a college planning strategy.

Estate Planning – Life insurance death benefit proceeds can provide the liquidity needed to pay off debt, replace income, supplement retirement income, create an equitable inheritance between heirs, and even provide protection for businesses.

Legacy Building – Use permanent life insurance to offer death benefit protection along with an efficient way to pass along assets to beneficiaries. Learn how to put this strategy to work for you.

Pension Maximization – Find your sales potential in this large market niche. From teachers to state and local government employees, discover your next sales opportunity today.

Policy Review – Life insurance left untouched may no longer be meeting your clients’ needs. Position yourself as an important resource and put a periodic policy review practice in place today. Take advantage of the TFS CPR program to help make this process even easier for yourself.

Retirement Planning – Help your client protect what’s important now while giving them a way to enjoy financial freedom later. Help boost your sales today with this key strategy.

Smart Money – Smart money is money your clients want to control and be able to access during times of need. While there are several places to store smart money, one option to consider is life insurance. Learn how to help your client make their smart money even smarter!

Contact Steven Hipsher at the TFS Home Office for help on your next case!
732-758-9300 x165 or shipsher@tfsweb.com

 

 

Awesome Sales Opportunity

I wanted to take a moment to share with you a sales idea. As we all know the main purpose for life insurance is death benefit. However, in addition to having a death benefit for your client’s heirs; with the right product your client can also have the potential for college funding and retirement planning in one product.

In this link,  College Funding & Retirement Hypo (click here) you will see a hypothetical illustration for a young family insuring the mother at age 31 with the North American Builder IUL.  Considering her child is 6 years old, variable loans will come out starting policy year 12 (when the child is college age) through policy year 15.  With the family paying only $200 per month until policy year 12 (payments will stop through the college years) they are able to take a loan of $7,942.00 each year their child is in college.  Then, they will resume paying $200 per month until the mother is retirement age (65).  Then through variable loans again – the illustration shows $31,409.00 coming out each year until age 100.

This concept sheet, Life Insurance to Supplement Retirement (click here) discusses the target client who might want to take advantage of Life Insurance to help supplement their retirement.

Our Preferred Partner, North American wants to help you promote these ideas with your clients. They have a library of marketing materials, including these beautiful customizable postcards available to you at NO cost.
Untitled-1Be sure to reach out to Steven Hipsher at the TFS Home Office today to find out more about these and other exciting sales opportunities just waiting for your clients. For the full sales suite on College Planning or Life Insurance to Supplement Retirement, please click the below links.

Using Life Insurance to help with college funding

Life Insurance as a supplemental retirement

 

Estate Planning with Life Insurance

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Help Clients Find The Right Plan.

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Estate Planning with Life Insurance

There’s a lot to consider in any estate planning situation. Are your clients aware of their options Have they anticipated things like estate taxes, which could impact the future value of their estate? Watch the video and learn how to help your clients create a solid estate plan.

Contact Steven Hipsher at the TFS Home Office today at
(732) 758-9300×165 or email at shipsher@tfsweb.com.