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Since the majority of time and effort for any financial advisor goes into prospecting for new business, you should always strive to make the most profit from each contact. This means you will need to make each prospect as comfortable as possible when discussing their finances. You will also need an array of ideas and strategies that will keep your prospect’s interest, and then determine when a financial product will fit that strategy. Cash value life insurance is not the easiest financial pro....

Congratulations! You submitted your 2018–19 Free Application for Federal Student Aid(FAFSA®) form! Wondering what happens next? Here are a few things to look out for: 1. Review Your FAFSA® Confirmation Page After you complete the FAFSA form online and click “SUBMIT,” you’ll see a confirmation page like the one below. This is not your financial aid offer. You’ll get that separately from the school(s) you apply to and get into. Your school(s) calculate your aid. The confi....

The Internal Revenue Service Data Retrieval Tool (IRS DRT) is available for the 2018‒19 FAFSA® form. Many of you remember the issues from last March that shut things down for your clients and their FAFSA submissions. Additional security and privacy protections have been added to address concerns that data from the tool could be used by identity thieves to file fraudulent tax returns. The IRS DRT will not return for this school year but it is there for next school year. The IRS DRT remains the....

Having one child who is heading to college can be stressful, but having to help multiple children at the same time can feel like too much to manage. While I can’t save you from a forgotten application deadline or the “how to do your own laundry” lessons, hopefully, I can help make the financial aid part of the process run more smoothly with these tips: How many FSA IDs will my children and I need? How many FAFSAs do we have to complete? An FSA ID is a username and password combination....