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


market watch

MarketWatch — Make sure the fee you pay an investment adviser fits your portfolio needs

Volatile markets are opportune times to review how you’re getting financial advice. Read Dave Alison’s advice here.

ValueWalk Podcast — Preparing for a major market downturn

In this episode of the Valuewalk Podcast Dave Alison, CFP, EA, founding partner of C2P Enterprises. discusses his approach to investing, financial planning and preparing for a major market downturn

To listen to the episode click here.

Clarity 2 Prosperity Named as a Finalist for 2020 InvestmentNews Innovation Awards

NEW YORKFeb. 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.

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.

(702) 685-7450

Investor’s Business Daily –How Advisors Set Tough But Achievable Goals For Their Employees

To grow your firm, you rely on staffers to produce superior work. From administrative aides to junior planners, you’ll drive better results by dangling carrots that push everyone to excel. Read Jason Smith’s thoughts here.

Fixed Indexed Annuities

Fixed Indexed Annuities: Understanding The Product Mechanics & How They Can Be Used In a Client’s Best Interest

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

The Mechanics of Fixed Indexed Annuities: Interest Rates & Option Costs

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).

wealth management 2019 industry award winner

C2P Advisory Group Announced as Winner of 2019 WealthManagement.com Industry Award for Insurance Services Category

C2P Advisory Group has been announced as winner of the 2019 WealthManagement.com Industry Award for the Insurance Services Category. Read the full press release below. (more…)

US News and World Report: Best Investments During an Economic Slow Down

Growth-focused stocks, ETFs and mutual funds have dominated this bull market, and Dave Alison, certified financial planner at Clarity 2 Prosperity, says in a downturn, value investments may get the upper hand. Read the full article here.

Grow.com — Don’t worry about getting a perfect credit score — this score is all you need

Your credit score is a number that lenders use to assess your creditworthiness, which impacts whether you get a loan and what kind of interest rate you’re offered, explains certified financial planner Dave Alison, executive vice president at Prosperity Capital Advisors in Westlake, Ohio. Your credit score is calculated based on factors like whether you make payments on time and how much debt you have.

Read the full article here.

Grow.com — What is Financial Literacy?

“No doubt about it, it’s a lack of education,” says Jason Smith, CEO and founder of Clarity 2 Prosperity, an organization that trains financial planners. “For generations we’ve failed at educating our children on important financial basics.”

Read Jason Smith’s thoughts here.

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