Synergy Thinking

Join Stephanie Alper-Lisi and Kevin Fisher from One America as they discuss Alternative Long Term Care Options in the Marketplace. On today’s show, Kevin tells us about One America’s niche trade and how it compares to other products in the market. We talk about the current landscape of alternative long term care options, different leverage options for advisors, recommendations to advisors for clients who self-fund, how taxes are paid out, and why brokerage accounts are the first place people turn to when clients have qualified and non-qualified money. Please contact Synergy Life Brokerage at, www.SBKG.com so we can connect you with Kevin Fisher and The One America network. Show Notes:00:00 Welcome to Synergy Thinking00:38 Who is One America and what is the hybrid long-term care space?04:13 What is One America’s niche trade and how does it compare to other products in the market?08:27 Is there any leverage for underwriting an 80 or 81-year-old with long-term care?11:13 What do you recommend to an advisor who has a client who wants to self-fund yet wants to off alternative long term care options16:17 How are taxes paid out in alternative long-term care?19:20 Why is it that brokerage accounts are the first place people turn to for qualified and non-qualified money?20:48 How to connect with Kevin and One America See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Robert Stuchiner as they discuss the challenges of premium financing and potential alternatives? On today’s show, we talk about the current landscape in the premium finance market, the scope of interest rates over the next 10-15 years, how to guarantee cash value when building a policy long term, and if advisors should continue to take advantage of the low-interest-rate environment today. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies. Show Notes:00:00 Welcome to Synergy Thinking00:36 What does the current premium finance market look like?03:20 What's going to happen to interest rates over the next 10 to 15 years?07:15 Can you guarantee to have cash value built-in that policy long term?08:55 Should advisors be trying to take advantage of the low-interest-rate environment today?09:48 Commercial financing vs premium financing? Can I do both?13:25 How to connect with Synergy Life Brokerage See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Robert Stuchiner as they take on the new section 7702 tax policy. On today’s show, we talk with Robert, what is section 7702 and what has the implementation of the code looked like? From what happened by reducing the guaranteed interest rate down to 2%, how is having the ability to put more money into life insurance a bad thing, which products Robert is looking for in the marketplace, and how FINRA licensing, dovetails beautifully with variable life insurance policies. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies. Show Notes:00:00 Welcome to Synergy Thinking00:49 What is 7702 and what has the implementation of the code looked like?05:35 What happened by reducing the guaranteed interest rate down to 2%?07:51 How is having the ability to put more money into life insurance a bad thing?10:33 Which products Robert is looking for in the marketplace12:02 How FINRA licensing, dovetails beautifully with variable life insurance policies.13:25 How to conenct with Synergy Life Brokerage See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Robert Stuchiner as they take on The Platinum Era of Estate Planning Pt. 2. On today’s show, we talk with Robert about what has changed in estate planning since we last spoke. From how the race for the white house and the stimulus can raise or decline estate tax, to how brokers can zero out their clients' exposure to estate tax. Please contact Synergy Life Brokerage at, www.SBKG.com so we can elaborate on some of these complex strategies. Show Notes:00:00 Welcome to Synergy Thinking00:42 What’s changed in estate planning since we’ve last spoken and how may the election affect the rise or decline?03:12 How might the government stimulus affect the 23 million dollar tax exclusion?06:06 How can you zero out exposure to a clients estate tax10:04 How intergenerational split dollar can help your children avoid large 13:08 How the 75/20 rate of the internal revenue code makes this the platinum era for estate planning14:19 Why the 75/20 rate can help you make a tax deductible donation and clear estate tax, pretax See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Robert Stuchiner as they explore 3 Mega Trends in the life insurance industry today!. On today’s show, we talk with Robert about how the pandemic has forced the life insurance industry to pivot. From the volatility of the stock market affecting life insurance markets, how the bond market plays a role in this and is there a reason to be optimistic, how the adoption of major technologies have positively impacted the life insurance industry and how the pandemic has affected underwriting. Learn more about how the pandemic has affected life insurance by contacting Synergy Life Brokerage at, www.SBKG.com.Show Notes:00:00 Welcome to Synergy Thinking00:39 What are the three major trends affecting life insurance markets during the time of Covid01:23 Why is the volatility of the stock market affecting life insurance markets03:26 How does the bond market play a role in this and is there a reason to be optimistic?05:03 Why is the adoption of major technologies the second major trend? Is this positive or negative?08:03 How has the ability to work from home only enhanced life insurance businesses11:55 How is the pandemic affected underwriting?13:53 What are the two requirements for life insurance policy without fluids?15:52 How will the cost of premiums and term policies be impacted? See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi, and Robert Stuchiner as they explore the platinum era of estate planning. On today’s show, we talk with Robert about why this is the platinum era of estate planning, why might estate tax laws disappear, how a blue wave in November would guarantee no “clawback”, and why you and your attorney should be talking about spousal lifetime access trusts. Learn more about how to connect with Synergy Life Brokerage, and what types of opportunities come from the Secure Act at www.SBKG.com.Show Notes:00:00 Who is Synergy Life Brokerage00:41 Why is this the platinum era of estate planning?02:57 Why might estate tax laws disappear?06:11 If Democrats win the house or presidency could there be a clawback?06:31 Why you and your attorney should be talking about spousal lifetime access trusts07:41 Ways advisors can connect with Synergy Life Brokerage for additional information See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi, Yosi Amster and Joseph Horner (GraciePoint) as they explore Premium Financing. On today’s show, we talk with Yosi and Joseph about access Premium Financing, which age demographic is choosing to access Premium Financing, how is a Premium Finance policy structured, how to split the finance between multiple products, and and how to incorporate, “high level view” into an existing policy. Learn more about GraciePoint and Premium Financing at www.SBKG.com.Show Notes:00:00 What is Synergy Thinking00:47 Who is Joe Horner01:10 Who is Yosi Amster02:18 What is Premium Financing and how do I get access to it?04:29 Which age demographic is choosing to access Premium Financing?06:23 How is a Premium Finance policy structured?07:41 Are you able to split the finance between multiple products?09:04 What is, “high level view” and how can it be incorporated into an existing policy?11:44 How does an advisor access Premium Financing and work with GraciePoint? See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Robert Stuchiner as they explore The Secure Act and what types of opportunities come from the act?. On today’s show, we talk with Robert about The Secure Act, what case studies were covered at The Heckerling Conference, how to convert your IRA into something that's more tax friendly, and how to purchase life insurance with an IRA. Learn more about how to connect with Synergy Life Brokerage, and what types of opportunities come from the Secure Act at www.SBKG.com.Show Notes:00:00 Who is Synergy Life Brokerage00:37 What is The Secure Act03:45 What is The Heckerling Conference04:17 How do you convert your IRA into something that's more tax friendly?06:09 How to purchase life insurance with an IRA06:44 Ways advisors can connect with Synergy Life Brokerage for additional information See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Robert Stuchiner as they explore Life Insurance in a Low Interest Rate Environment. On today’s show, we talk with Robert about why we are in the platinum era of estate planning, why might estate tax laws disappear, how might the upcoming elections effect this platinum era of estate planning, and how advisors should handle a policy change? Learn more about how to connect with Synergy Life Brokerage, and life insurance in a low interest rate environment at www.SBKG.com.Show Notes:00:00 Who is Synergy Life Brokerage00:37 Why are we in the platinum era of estate planning02:51 Why might estate tax laws disappear?05:01 How might the upcoming elections effect this platinum era of estate planning?06:59 How should advisors handle a policy change?07:38 Ways advisors can connect with Synergy Life Brokerage for additional information See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Robert Stuchiner as they take a deep dive into SLATS and what they are. On today’s show, we talk with Robert about what SLATS stand for, does one need to buy life insurance to put into a SLAT plan, do you need a special access lifetime trust with SLATS, who becomes the beneficiary and how brokers can contact Synergy in order to better understand SLATS. Learn more about how to connect with Synergy Life Brokerage, and how you can discuss this with your clients today at www.SBKG.com.Show Notes:00:00 Who is Synergy Life Brokerage00:55 What is a SLAT and what does it stand for02:28 Does one need to buy life insurance to put into a SLAT plan?03:18 Do you need a special access lifetime trust? Who is the beneficiary in that situation?04:37 How can Synergy help brokers work with SLAT concepts? See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Rebecca Maxwell of Asentiv NYC as they take a deep dive into networking success in the new year. On today’s show, we talk with Rebecca Maxwell about networking, common misconceptions about networking, when is the right time to expand networks with existing relationships and how to leverage a clients network to expand your business. Learn more about how to connect with Synergy Life Brokerage, Rebecca Maxwell and Asentiv and how you can discuss this with your clients today at www.SBKG.com.Show Notes:00:00 Who is Synergy Life Brokerage00:37 Who is Rebecca Maxwell?01:17 What is networking and what are some common misconceptions?02:50 What are some of the myths that are out there that you've seen?04:03 How long does it take to really deepen that relationship in order to see you business starts to evolve?06:12 What are some other myths that are completely wrong when it comes to networking strong business relationships?07:17 When is the right time to leverage a clients network to begin to expand your business?08:50 What other ways can advisors expand their network and where should they be looking?10:32 What kind of clients do you and Asentiv work with? 12:14 What kind of program does Asentiv offer attorneys, CPA’s and/or financial advisors?13:14 How can listeners take advantage of the variety of opportunities offered by Asentiv?13:38 How advisors can contact Synergy Life Brokerage and acquire information on Asentiv and networking? See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper-Lisi and Cara Sharpe of NJLTC as they take a deep dive into disability insurance. On today’s show, we talk with Cara about who should be buying disability insurance, how long does a disability insurance benefit period last, if guaranteed issue options exist for disability insurance, and more! Learn more about how to connect with Synergy Life Brokerage, Cara Sharpe and NJLTC and how you can discuss this with your clients today at www.SBKG.com.Show Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:45 Who is Cara Sharpe and what does NJLTC do for their clients?01:39 Who should be buying disability insurance?03:17 Do consumers who work for companies that offer long term disability need an individual plan?05:50 How long does a disability insurance benefit period last?07:26 What are the typical insurance carriers in this marketplace?08:30 Do pre existing conditions exclude consumers from getting disability insurance?09:40 How does NJLTC work with business owners looking to protect themselves with disability insurance?11:28 What’s the process look like for advisors looking to get their clients disability insurance?12:48 Do clients need to offer a medical exam to receive disability insurance?13:17 Do guaranteed issue options exist for disability insurance?15:29 How advisors can contact Synergy Life Brokerage and acquire information on disability insurance  See acast.com/privacy for privacy and opt-out information.

John Hancock Announces Aspire With Vitality! Join Stephanie Alper-Lisi and Robert Stuchner as the brand new addition to Vitality, “Aspire”. On today’s show, we talk with Robert about Aspire and how it benefits those with diabetes, how the Unduo monitoring device works and how it can lower your clients premium, why Vitality and Unduo are one of the best diabetic management platforms, and how much will Aspire and Vitality cost your client? Learn more about Vitality, Aspire, Unduo and how you can discuss this with your clients today at www.SBKG.com.Show Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:48 What has happened with, “Vitality” with John Hancock since we last spoke about it02:28 What is Aspire and how does it benefit those with diabetes03:10 How the Unduo monitoring device works and how it can lower your clients premium05:33 Why Vitality and Unduo are one of the best diabetic management platforms06:40 How much will Aspire and Vitality cost your client?07:33 Ways advisors can contact Synergy in order to learn more about Aspire and Vitality See acast.com/privacy for privacy and opt-out information.

What are PBR and CSO tables and how do they impact your client? Join Stephanie Alper-Lisi and Robert Stuchner as they discuss the changes in principal-based reserving (PBR). On today’s show, we talk with Robert about changes in mortality rates, how principal-based reserving affecting carriers in New York, if this will have a positive or negative effect on life insurance, and how Synergy Life Brokerage can navigate changes to principal-bass. Learn more about PBR and CSO tables and how you can discuss this with your clients today at www.SBKG.com.Show Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:41 What the changes in mortality rates are affecting the insurance industry02:45 Is this change going to have a positive effect on carriers?04:18 How is principal-based reserving affecting carriers in New York?05:30 How is Synergy Life Brokerage helping brokers navigate changes to principal-bass?  See acast.com/privacy for privacy and opt-out information.

What is the magic of split dollar? Join Stephanie Alper-Lisias and Robert Stuchner as they discuss what is the magic of split dollar. On today’s show, we talk with Robert about what role “sharing” plays when it comes to split dollar, the two types of split dollars, their similarities and differences, and should business owners terminate the split dollar arrangement. Learn more about split dollar and how you can discuss this with your clients today at www.SBKG.com.Show Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:31 What is the magic of split dollar? 01:17 What role does “sharing” play when it comes to split dollar?03:10 What are the two types of split dollar?04:28 Should the business owner terminate the split dollar arrangement?05:38 Is there a taxable event to the insured when you roll out of split dollar?06:18 How does this affect business owners who are trying to retain some of their key employees?06:48 How should they utilize synergy in order to be able to discuss this with their clients? See acast.com/privacy for privacy and opt-out information.

Do You Have Client’s that No Longer Want, Need or Afford their life insurance policy? Join Stephanie Alper-Lisias and Robert Stuchner as they discuss what clients can do with life insurance they no longer can afford, want or need their life insurance policy. On today’s show, we talk with Robert about exit strategies, what advisors and clients can do, and if policies are taxable. Learn more about the options for clients who no longer needs, or can afford life insurance at www.SBKG.com.Show Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:44 Is there an exit strategy today for senior citizens that no longer need or want or can afford their life insurance policies?01:56 If they don’t want their insurance what can they do?04:44 Is that taxable to the insured or to the owner of the policy if they sell the policy?06:55 How does ensuring a better world fund take my policy and what would they do with it?08:06 What made Robert start this charitable organization?09:03 How would an advisor who has a client, a senior citizen who doesn't need, want or afford their insurance policy? 9:30 How can advise your partner with you See acast.com/privacy for privacy and opt-out information.

What is the power of substitution? Join Stephanie Alper-Lisias and Robert Stuchner as they discuss how advisors can take advantage of tax exclusion. On today’s show, we talk with Robert about What is the “cliff tax”, why are you suggesting substitution and will it affect the “cliff tax” , what are the promissory note and how does it work? Learn more about the power of substitution for your clients and how Synergy Life Brokerage can help you at www.SBKG.com.Show Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:31 How Synergy take advantage of today’s tax exclusion03:46 What is the “cliff tax”?04:41 Why choose substitution and how will it affect the “cliff tax”?08:03 What are the promissory note and how does it work?09:24 Why aren’t more advisors using “substitution” as a solution?09:52 How can advise your partner with you See acast.com/privacy for privacy and opt-out information.

Why is social media crucial for an advisor to have? Join Stephanie Alper-Lisias and Freda Thomas as they discuss how advisors can work with LinkedIn in order to boost their profiles. On today’s show, we talk with Freda Thomas on the Do’s and Don’ts on injecting keywords into your profile, how LinkedIn can really help as a prospecting tool, how LinkedIn is a powerful resource and tool for today's financial advisor, and how can advise your partner with you. Learn more about how you can partner with Freda Thomas and what options are accessible for your clients and how Synergy Life Brokerage can help you at www.SBKG.comShow Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:40 How advisors can work with LinkedIn in order to boost their profiles00:58 Who is Freda Thomas01:57 Why LinkedIn is a powerful resource and tool for today's financial advisor.03:58 Do’s and Don’ts on injecting keywords into your profile06:54 How can LinkedIn really help as a prospecting tool?08:54 Additional tools and resources LinkedIn can offer10:04 How can advise your partner with you See acast.com/privacy for privacy and opt-out information.

What is Reg 187 and how does it affects consumers & advisors? Join Robert Stuchiner and Stephanie Alper-Lisias as they discuss New York’s newest amendment to Reg 187. On today’s show, we talk about how this will affect the client + broker relationship, how brokerages prepare to prepare advisors and businesses, and how Synergy will work with advisors and agency on Reg 187. Learn more about what options are accessible for your clients and how Synergy Life Brokerage can help you at www.SBKG.comShow Notes:00:00 Who is Robert Stuchner and Stephanie Alper-Lisi00:31 What is Reg 187 and whats the market place saying01:38 How this will affect the client + broker relationship02:50 How Lincoln Financial will prepare advisors03:11 Will other brokerages prepare advisors03:51 How is this going to affect businesses05:00 How will Synergy work with advisors and agency’s on Reg 18706:22 How to contact Synergy Life Brokerage to learn more about achieving long-term sustainable advantages as a broker See acast.com/privacy for privacy and opt-out information.

Join Stephanie Alper Lisi and John Zetterstrom from Vest Financial as they discuss ways brokers can spark conversations on life insurance with their clients. See acast.com/privacy for privacy and opt-out information.