C2P Advisory Group Rebrands to Clarity Insurance Marketing and Announces New Leadership to the Team
C2P Advisory Group Rebrands to Clarity Insurance Marketing and Announces New Leadership to the Team
Nick Mueller
Vice President of Business Development
nmueller@c2penterprises.com
Nick is the Vice President of Business Development at C2P Enterprises. Nick will provide advisors and clients with the resources, tools, and information they need to make successful financial decisions. Utilizing his experience in both the client service and advisor advocate roles, Nick works alongside his internal partner Sean Atkins with advisors in every field of the business with a focus on providing them proven, successful and most importantly profitable practice management tools.
Nick began his career in the financial services industry in 2013 after graduating college. He immediately took to the advisor support role and worked successfully as an internal wholesaler for both a mutual fund and a unit investment trust distribution firm. He believes in studying the markets, products, and information at hand to make well-informed decisions in order to provide the highest quality support to his clients. He joined the C2P and PCA teams in July 2017.
Nick graduated from Denison University in 2012 and he
currently holds his Series 7 and 63 in addition to his life insurance license. Nick and his wife Rebecca are the proud owners of two dogs, and he enjoys hiking, cooking, basketball, and exploring the local food scene in Cleveland.
Kalem Mackey, CFP®
Executive Vice President
Kalem Mackey is the Executive Vice President at Clarity Insurance Marketing and has served as a financial advisor, insurance wholesaler and sales manager over the course of his 20-year career.
Kalem is Brian Mann’s partner and president of Elite Advisory Group, a wealth management firm located in Huntington Beach, Cal. Prior to joining Clarity Insurance Marketing, Kalem worked alongside Mann and played an integral role in building a wholesale insurance marketing organization and maintaining consistent production growth. Kalem is frequently called upon as a guest speaker to train advisors on how to master various financial planning strategies.
With extensive experience in sales management, Kalem helps advisors bring a personal and seamless experience to the sales process. He realizes the challenges families across the country face in meeting their financial aspirations and works to help advisors best serve their needs. He provides coaching and support, assisting them to deliver in-depth and comprehensive services to meet their clients’ unique goals.
Brian Mann
Business Development Officer | Partner
Brian D. Mann is a Partner and the Business Development Officer at C2P Enterprises. He is also CEO and Managing Partner of Elite Advisory Group, his own independent retirement planning and wealth management firm.
In his twenties, Brian founded an independent marketing organization (IMO), which grew into a national insurance industry leader. Brian partners with the best advisors in the country, in order to grow their businesses and achieve sustainable success. He understands the challenges business owners face, and is not satisfied with his own growth unless others have grown in tandem.
Brian strongly emphasizes embracing the best practices of high-performing advisors and pursuing innovative solutions to achieve better outcomes. He enjoys helping others embrace change for the benefit of their customers, teams, and stakeholders.
Brian is the past Chairman of the Board for the National Association for Fixed Annuities (NAFA) and also serves as a member of the President’s Advisory Board for the Congressional Medal of Honor Foundation (CMOH). He is co-author of Chicken Soup for the Financial Advisor’s Soul and Chicken Soup for Every Retiree’s Soul.
Brian and his wife Lynnette have a blended family with five children. Their faith is central to their lives and they are very involved with their church and community. He enjoys golfing, skiing, mountain biking and traveling.
Pablo Terra
Chief People Officer | Founding Partner
Pablo Terra is the Chief People Officer and a founding partner of C2P. As CPO, Pablo focuses on building and maintaining a company culture by overseeing all aspects of HR. He is also responsible for the company’s day-to-day operating activities and developing, upgrading, and revamping tools, training, and support systems. Outside of daily operations, Pablo manages the strategic planning and execution of information technology and human capital development while emphasizing efficiency and client service. Pablo has fine-tuned his knowledge of process development and systems implementation throughout his career and developed his skills as a gifted leader and motivator.
Pablo was inspired to join C2P because of Jason’s vision for the financial services industry and the company’s goal of helping American families. He is proud to be part of an experienced team that promotes innovation and provides excellent service.
Pablo excels at organization, leadership, and breaking down complex issues into workable solutions. At his previous company, he effectively executed two Enterprise Resource Planning systems and two warehouse management systems. He received the Spirit Award for his ability to bring out the best in those he worked with and the Community Service Award for his efforts to help better his community.
Pablo received his bachelor’s degree from John Carroll University with a double major in logistics and business administration. He is a member of the Council of Small Enterprises, was a leader and coach for his local soccer association, and was a board member and volunteer for Junior Achievement to foster entrepreneurship, work-readiness, and financial literacy skills in school-aged children. He currently volunteers for and supports numerous other charitable organizations, including Seeds of Literacy, Habitat for Humanity, Fill This House, and Cleveland’s Food Bank.
Pablo has been married to his wife, Melissa, for over 30 years, and they have two children: Tyler and Tatiana. He is originally from Uruguay, where he grew up in the wine business, as his father owned a winery and import company. Pablo enjoys playing sports, working out, traveling, wine, and sometimes…the Cleveland Browns.
Jason King
Business Development Associate
jking@c2penterprises.com
Jason works alongside the Business Development team applying his financial planning knowledge in the implementation of The Bucket Plan Best Interest Process and Holistic Planning Process for the benefit of the advisors he supports. He is available to assist in the understanding of the planning process, tools and resources as well as the strategic development and creation of plans for your clients.
Jason started in the financial services industry after realizing he enjoys helping people feel confident about their financial futures. He attained his CERTIFIED FINANCIAL PLANNER™ designation in 2018 and holds his Life & Health, Series 7 & 66 licenses. He is also a member of the Financial Planning Association.
Jason graduated from The University of Minnesota Twin Cities– Carlson School of Management in 2016 with a B.S. in Finance and minors in Accounting and Entrepreneurship. Jason lives in Minneapolis and enjoys spending his time traveling, hiking, playing soccer, rock climbing, scuba diving and snowboarding.
Things you must know about Jason:
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NEW YORK, Feb. 5, 2020 /PRNewswire/ — Clarity 2 Prosperity (C2P), a financial training and coaching organization led by financial advisors, coaches, mentors and business leaders, has been named one of three finalists in the practice management category for InvestmentNews‘ 2020 Innovation Awards. The award honors firms with products, services, technologies or platforms that allow advisors to run their businesses more efficiently or effectively. The winners for each category will be chosen by InvestmentNews’ advisory board of industry experts and announced at the April 30 awards dinner in New York City. To read more about how Clarity 2 Prosperity is making a mark on the industry and changing the way financial advice is created, delivered and used, click here.
“We are excited to be named as a finalist for InvestmentNews‘ Innovation Award and to be recognized for our contributions to the industry for practice management,” said Jason L Smith, president, CEO and founder of Clarity 2 Prosperity. “One of the biggest challenges advisors face is how to bring another rainmaker into their business. Even with the best technical skills and tools, a lack of internal processes and training make it hard to attract and retain top talent while also making them a valuable addition to a firm. This award reaffirms that the training platform we have designed is successfully providing financial advisors with a planning process that can help them systematically and profitably grow and scale their businesses.”
Clarity 2 Prosperity was built by top advisors as a membership organization to provide a robust, turnkey and product-agnostic platform featuring 21 turnkey proven processes for advisors to grow, automate and enhance their firms. Clarity 2 Prosperity also provides a range of coaching support to ensure success and ongoing innovation, including live large-group training events, a small group coaching program, an on-demand e-Learning center and one-on-one coaching through MENTORCONNECT, an exclusive platform built to schedule individual calls directly with an assortment of highly-successful advisors and accomplished experts.
For more information about Clarity 2 Prosperity and its upcoming training events, visit www.Clarity2Prosperity.com.
ABOUT INVESTMENTNEWS ICONS & INNOVATORS AWARDS
For four years, InvestmentNews has paid tribute to visionaries who have shaped and transformed the financial advice profession through its Icons & Innovators program. Now in its second year, InvestmentNews is recognizing the crucial role firms play in cultivating and implementing innovative answers to the financial advice industry’s greatest problems, such as retirement readiness, inefficient practices and inadequate educational resources. With 18 finalists in six categories, the Innovation Awards demonstrate the importance of supporting original and inventive ideas in business. Winners in each firm category will be chosen by InvestmentNews‘ advisory board of industry experts and announced at the April 30 awards dinner in New York City.
ABOUT CLARITY 2 PROSPERITY: Clarity 2 Prosperity is a financial training and coaching organization led by financial advisors, coaches, mentors and business leaders. Its mission is to shift advisor focus from selling products to becoming holistic service providers, effectively serving the comprehensive needs of American families. Members are trained on the philosophy and financial planning process detailed in the best-selling book, The Bucket Plan® – Protecting and Growing Your Assets for a Worry-Free Retirement, to provide comprehensive and easy-to-understand financial plans to the families they serve. Learn more at www.Clarity2Prosperity.com.
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Fixed indexed annuities have had explosive growth over the past decade. Academics, financial institutions, financial planners, and investment advisors have expanded the application of these products, which were once just seen as something “sold by insurance salespeople,” to become a valuable tool within a holistic financial plan. Even economist Roger Ibbotson, a 10-time recipient of the Graham and Dodd Award for financial research excellence and professor emeritus at the Yale School of Management, unveiled recent research analyzing the emerging potential of fixed index annuities as a bond alternative in retirement portfolios. However, the ability to objectively evaluate these products has been a challenge
To understand how to evaluate these products, we must first understand the mechanics of how these products are designed. For every dollar of indexed annuity premium, the majority is used to support the product’s minimum interest guarantee. This minimum guarantee is the anchor that helps classify the product as a fixed annuity and supports one of the main reasons that clients purchase these products, and that is safety. The minimum guaranteed interest rate is established by the NAIC, the National Association of Insurance Commissioners. They have the ability to increase or decrease the rate, and carriers have to adjust accordingly.
The current economic environment we’re facing has been challenging for all fixed-income investments, and annuities are certainly not immune. If we remain in a very low-interest-rate environment like we are in right now, the NAIC might lower the minimum guaranteed interest rate. For an indexed annuity, this would potentially allow the insurance company to lower the MGIR on their products, ultimately freeing up more of the insurance company’s portfolio yield to help cover expenses and potentially allocate more money to the options budget. The more money allocated to the options budget, the more options they can buy. The more options they can buy, the higher the caps and the rates to your client.
Now, as with any fixed annuity, the funds used to back these guarantees are invested in bonds and other long-term instruments to generate a yield. The funds are part of the insurance company’s general account, and the policy owner does not have any interest in the underlying investments. This is a big reason that these products are fixed insurance products and not securities.
Click here for more information about Fixed Indexed Annuities (FIA).
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AdvisorPR®
(702) 685-7450
Cleveland—September 17, 2019 – C2P Advisory Group, a fiduciary-friendly insurance marketing organization (IMO), has been named the winner of WealthManagement.com’s prestigious 2019 Industry Awards in the category of Insurance Service. Now in its fifth year, these awards recognize new technology innovations and products that enhance advisors’ ability to move the industry forward, help advisors better run their businesses and enhance service to their clients. This year WealthManagement.com received a record number of nominations—more than 650—for consideration.
“The WealthManagement.com Industry Awards allow us to recognize the creativity, success and excellence of firms like C2P Advisory Group, that serve the financial advisor community,” said David Armstrong, Editor-in-Chief of WealthManagement.com.
As the winner of the Insurance Services category, C2P Advisory Group has been recognized for its Best Interest Annuity Screening Process, developed as a method to conduct an objective, thorough and analytical review to help advisors identify, screen and ultimately select annuity providers and products that best meet their individual clients’ financial objectives. More than 200 annuities are regularly reviewed for five primary criteria, including income produced, carrier strength, fees and expenses, accumulation potential and renewal integrity.
“Fixed indexed annuities have had explosive growth over the past decade and can be a valuable tool within a holistic financial plan. However, the ability to objectively evaluate these products has been a challenge,” said Dave Alison, CFP®, EA, executive vice president and founding partner of C2P Advisory Group. “The goal of creating the Best Interest Screening Process was to help strip away singular factors, including commissions and incentives, to provide a thorough, analytical way to help identify an insurance product in the best interest of the client.”
The award-winning process was designed to help both insurance agents improve upon their existing abilities for proper product selection as well as to open new opportunities for securities advisors to integrate fixed-indexed annuities into their financial plans with confidence.
“This is one of the premiere recognitions in our industry today, and it is truly an honor to be included as a recipient,” said Douglas S. King, CFP®, president and CEO of C2P Advisory Group. “The insurance industry is a highly-competitive space, and we see the Best Interest Screening Process as a key differentiator for us and for our advisors. We have invested a significant amount of resources into building tools that can help advisors offer an insurance component in a holistic financial plan. We’re proud to be acknowledged for this mission and accomplishment.”
Advisors and organizations interested in accessing the Best Interest Screening Process are encouraged to contact C2P Advisory Group at (844) 381-4115 or Info@C2PAdvisoryGroup.com.
“The Best Interest Annuity Screening Process has been a critical tool supporting C2P Enterprises’ overall objective: making holistic financial planning more accessible to investors worldwide,” added King. “We believe this service is helping professionals elevate their abilities to use these financial tools for their intended purposes: lifetime income, principal preservation, long-term care coverage and legacy planning.”
C2P Advisory Group
C2P Advisory Group is a fiduciary-friendly insurance marketing organization (IMO) that facilitates advanced product screening, selection and support for all lines of fixed insurance products, such as fixed and indexed annuities, single premium and traditional life insurance and asset based long-term care products. It works to create efficient back-office support and quality service standards to help advisors issue new business quickly, accurately and effectively. Winner of the 2019 WealthManagement.com Industry Award for its Best Interest Annuity Screening Process, the firm is dedicated to the implementation of best interest practices for the use of its insurance products—effectively mitigating risk for institutions, their advisors, and ultimately American families nationwide through sophisticated case design, product selection and implementation of insurance solutions as financial planning tools. For more information, visit www.C2PAdvisoryGroup.com or call (844) 381-4115.
About WealthManagement.com
WealthManagement.com, an Informa business, provides everything wealth professionals need to know to stay knowledgeable about the industry, build stronger relationships, improve their practice, and grow their business—all from one site. Learn more about the WealthManagement Industry Awards at Events.WealthManagement.com.
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