JANUARY 2012

Beat the Estate Tax Blow with Deferred Annuities and an Irrevocable Trust. The hinge around which estate planning revolves is gifting.
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High-Income Clients Save More with these Underutilized Retirement Plans. Financial advisor clients potentially could be socking away more than $100,000 a year tax-deferred with this kind of retirement plan. Over five to 10 years, they can accumulate $1 million to $2 million.
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MAKE A SMART DECISION: Help your clients better prepare for the future. A discussion with Harold Evensky on managing retirement assets.
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In This Issue

• Industry News

• Tools for Producers

• Requirement Updates

• Insurance CE Courses

• 10% Savings

Featured Book

"Understanding Social Security, Medicare, and Government Benefits," 2012 Edition. This is an educational book serving as a tool to help financial advisors through the maze of programs, rules and regulations that affect many if not all of their aging Baby Boomer clients, their spouses and dependents.

(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

"Things that are bad for business are bad for the people who work for business."

~ Thomas E. Dewey

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 01/31/2012) *

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
 © 2012 Broker Educational Sales & Training, Inc. All Rights Reserved.

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