FEBRUARY 2012

6 Critical Trends for Retirement Plans in 2012. Regulatory changes will dominate the industry this year. Lincoln Trust Co. on Wednesday released a report on six “megatrends” that would affect the retirement plan industry in 2012.
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In Search of Retirement Income. Talk to any financial advisor today about retirement planning and you will note that few are talking about growth anymore.
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Lull in Estate Tax May Trap Wealthy Americans. Tax changes that President Barack Obama and Congress hammered out in the final days of 2010 discouraged clients from seeking estate-planning advice last year, even though estate lawyers argue there are many planning opportunities that shouldn’t be missed.
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New Tool for BDs to Meet FINRA Rule 2111 on Suitability Standards. Ipreo launches new compliance certificate to meet revised suitability standard.
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Tax Traps of 2012. Political gamesmanship and questionable policy decisions have left a minefield for taxpayers to negotiate for next year, and starting to plan now for the changes that will impact 2013’s return may be the best way to mitigate potential damage.
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The Secrets Of Social Security. Even for the typically affluent clients of financial advisers, informed decisions about how and when to claim Social Security benefits can mean thousands of extra dollars a year, and tens of thousands of dollars over a lifetime. Are you prepared to advise clients on this crucial decision?
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In This Issue

• Industry News

• Tools for Producers

• Requirement Updates

• Insurance CE Courses

• 10% Savings

Featured Book

The "Individual Retirement Arrangements" course offers a comprehensive look at the history and types of IRAs including; Traditional IRAs, Simplified Employee Pension Plans (SEP-IRAs), Simple-IRAs, and Roth IRAs.

(Click here to order.)

This book is approved for state insurance CE as well as, other advanced designations such as CFP, CIMA, and PACE.

Need more CE? Visit us at www.bestonlinecourses.com.

Monthly Quote

"The future belongs to those who see possibilities before they become obvious."

~ John Sculley Business

BEST 2012 Pocket Tax Guide
Our 2012 Pocket Tax Guide is a tri-fold document that contains tax information such as 2012 & 2011 Individual Income Tax Rates, Long-Term Care Insurance, Roth IRAs and more. View the Pocket Tax Guide by clicking here: Color or Black & White.

Genworth 2011 Cost of Care Survey
Explore the industry's most comprehensive report on long term care costs by clicking here.

MetLife's 2011 Market Survey of Long-Term Care Costs
View the 2011 MetLife Market Survey of Nursing Home, Assisted Living, Adult Day Services, and Home Care Costs by clicking here.

Sircon ProducerEDGE - Brought to you by BEST
Sircon ProducerEDGE is the industry’s most powerful, personalized view of insurance compliance, made specifically for producers managing their own licensing, education, and renewals. Sircon ProducerEDGE provides need-to-know information in an easy-to-access, understandable format so you can focus on what you do best – servicing your clients. Best of all, Sircon ProducerEDGE is FREE. Now available at www.produceredge.com/brokered.

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The following states have updated their insurance CE requirements. (Click a link below to view updates, CE requirements and due dates.)

Broker Educational Sales & Training, Inc. (BEST) has been providing insurance continuing education programs to financial and insurance professionals in all 50 states and the District of Columbia, since 1986. We continuously provide maximum insurance CE credit hours; offer competitive pricing; allow the financial and insurance professionals to complete their CE requirements online quickly & easily; offer Self-study courses - mailed to the professional's home or office; supply pertinent and up-to-date insurance CE courses.

BEST can offer:

• NAIC Suitability in Annuity Transactions Training Courses

• CFP CE Courses

• Ethics CE Courses

• Long-Term Care Partnership CE Courses (ClearCert Certified)

• State Insurance CE Bundles

Visit www.bestonlinecourses.com to purchase the courses you need to complete your CE requirements.

CFP® Certification Exam Preparation. BEST has partnered with
Keir Educational Resources, an industry leader in providing exam preparation to individuals seeking the CFP® certification. With over 40 years of experience in writing study materials for CLU\ChFC, CFP®, CPCU\IIA, and FINRA, Keir has made preparing for the exam efficient and effective.

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Broker Educational Sales & Training, Inc. would like to offer you a special deal. Save 10% off your purchase when ordering continuing education. Use Promotional Code NEWSTEN when ordering. (Offer expires on 02/29/2012) *

Already completed your CE? Know a producer who needs CE? This coupon is transferrable! Just pass this promotional code onto another producer and they can save 10% on their purchase! Use discount at: www.bestonlinecourses.com.

*You must order on or before the expiration date to receive the discount. After purchasing the CE course, you have 6 months to complete. (Promotional code ONLY valid at time of purchase! Be sure to have promotional code on hand when placing your order.)

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Broker Educational Sales & Training, Inc.
7137 Congress Street, New Port Richey, FL 34653
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