AND HIS ADVISORS

Respectfully, regarding their specific areas of expertise, Joe asked his Advisors
“What are the top three tools in your toolbox that you utilize to best serve your clients?”

Three Top Tools

“The Three Top Tools For Retirement Income”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)   “Financial GUARANTEES utilizing indexed and / or interest crediting of gains for growth.”
(2)   “Income GUARANTEES for life.”
(3)   “Asset GUARANTEES of principal serving as a foundation to help you attain your hopes, dreams, and desires.”

Answered by Joe Phillips who utilizes tools that have these attributes to better serve his clients, and then his team of Advisors do the rest. It is that 1, 2, 3, simple.”

“The Three Top Tools For Estate Planning”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)   “The Generation Skipping (Dyansty) Trust”
(2)   “The Bypass Trust”
(3)   “Charitable Remainder Unitrust”

Answered by Lloyd Copenbarger, founder of what Joe has come to believe is perhaps the premier estate planning law firm on the West Coast.  Mr. Copenbarger’s and Joe’s professional relationship dates back to 2002.  An introduction by Joe to Mr. Copenbarger for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.

“The Three Top Tools For Investments”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

 

(1)   “Secured Income”
(2)   “Risk-managed Stocks”
(3)   “Real Estate”

Answered by Jerry Verseput, Certified Financial Planner.  If Joe could, he would change Jerry’s title to “Certified Financial Planner Extraordinaire.”  Joe loves it that Jerry comes to the table not with a salesperson’s mindset, but from an engineer’s mindset. His 15 years at Intel, heading up their chip set engineering division certainly prepared him to better serve his investments clients with the diligence and discipline that many times Joe has found lacking in salespersons.  An introduction by Joe to Mr. Verseput for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.

“The Three Top Tools For Long Term Care”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)   “Upfront due diligence by the professional as to actual needs.”
(2)   “Upfront completion of current health issues/questionnaires.”
(3)   “Upfront completion of current financial questionnaires.”

Answered by Barbara Hanson, Long Term Care Specialist, with over 1,000 policies in force (Joe thinks most agents give token service in the representation of long term care insurance products as they are licensed to do so and maybe have 10 or so policies in force.  But expertise?  Not so much.)  An introduction by Joe to Barbara for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.

“The Three Top Tools For Small Business Consulting”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)   “Pro-active active preparation of business and personal income taxes (what good is it to just make “profits”
for the IRS?)”
(2)   “Face to face business consulting because otherwise the consultant will end up literally not knowing who
you actually are.”
(3)   “Face to face real estate counseling. Owning your own building/office complex can end up being your”
retirement.”

Answered by Terry Guy, founder of Small Business Consulting, Inc. Mr. Guy was one of the first three stockholders of Kinko’s.  Joe loves receiving his counsel, because Mr. Guy has personally experienced the Good, Bad and Ugly dynamics of owning a small business as seen through his own eyes, yes … but also through the eyes of hundreds of business persons as well.  An introduction by Joe to Mr. Guy for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.

“The Three Top Tools For Life Insurance Planning”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1) “Garbage in / Garbage out … unless the financial evaluation relating to life insurance is thorough, IT WILL
NOT MEET ONE’S NEEDS.”
(2) “Knowing Suitability of the respective life insurance product. Unless the professional goes well beyond the
scope of selling a product, it may well not be appropriate to purchase.”
(3) “Honesty, integrity, truthfulness, etc. of the CLIENT and of the PROFESSIONAL representing the life
insurance company is of utmost importance.”

Answered by Jim Manzi. Mr. Manzi is a “consultant to consultants” who has personally agreed to work with Joe’s clients. Joe thinks of Jim that he has so much knowledge that there is nothing about life insurance planning that he does not know.  An introduction by Joe to Mr. Manzi for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.

“The Three Top Tools For Income Tax Reduction”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)  “Focus on tax efficient development of retirement funds”
(2)  “Focus on tax efficient development of retirement funds”
(3)  “Use of “what if” altogether approach to tax planning”

Answered by Mark Courtney, nationally known tax consultant.  So, what is Mr. Courtney “known” for nationally?  On a daily basis he answers the most difficult tax questions for CPA’s enrolled agents, tax preparers, financial planners, insurance agents so that these respective professionals can better serve their clients.  Joe loves it that when asked a technical question, Mr. Courtney rarely has to go to his computer to find out the answer.  More than once, Mr. Courtney has been working in his garden and has answered even the most difficult of questions.  An introduction by Joe to Mr. Courtney for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe

“The Three Top Tools For Obamacare”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)  “Shop and compare specific to Obamacare benefits/rates”
(2)  “Application process review”
(3)  “Payment options review”

Answered by Susie Rector. How good is Susie? She has been Joe’s “go to person” for over 10 years on any and all questions with regard to health insurance, be it individual and/or group coverage. And when Obamacare came along, on her own initiative, she became certified to answer questions regarding same.  An introduction by Joe to Mrs. Rector for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.

“The Three Top Tools For Reverse Mortgage Planning”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)  “Utilization of a Reverse Mortgage Calculator.”
(2)  “Utilization of an amortization table.”
(3)  “Work with a practicing professional with a bio such as mine.”

Answered by Dan Casagrande, Reverse Mortgage Consultant.  Mr. Casagrande has a way of taking the mystery out of understanding a reverse mortgage.  By the way, Joe thinks a “reverse” mortgage as actually being a “forward” mortgage because it can be a quasi-pension to enhance one’s finances going forward.  An introduction by Joe to Mr. Casagrande for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.

“The Three Top Tools For Computers”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

 

“The Three Top Tools For Financial Identity Theft Prevetion”

“What are the top three tools in your toolbox that you utilize to best serve your clients?”

(1)   “Create strong passwords”
(2)   “Secure your computer”
(3)   “Place a security freeze on your credit report: Transunion, Equifax, Experian”

Answered by Jon Cole, Certified Identity Theft Risk Management Specialist.  Mr. Cole has been instrumental in helping Joe and his clients adopt and maintain state of the art identity theft prevention tools.  An introduction by Joe to Mr. Cole for a no fee based appointment, either in person or via conference phone call, is available upon request by e-mailing Joe.