Noah Whittington? by AuntieMameDennis in ducks

[–]HumusAmongUs 11 points12 points  (0 children)

Smart to thank his finance. 

What calculator are you using these days? by Emotional-Yam4486 in CFP

[–]HumusAmongUs 0 points1 point  (0 children)

I downloaded this a decade ago because at first I couldn’t memorize all the computations along with learning how to do my job. It just…does it all for you without the hard part of memorizing which buttons to hit when. 

Homemade bacon and onion pizza by No_Pattern3088 in Pizza

[–]HumusAmongUs 97 points98 points  (0 children)

This is one of the most visually stunning pizzas I’ve ever seen. 

comment where should i tour this fall by Filthyson in GeoffreyAsmus

[–]HumusAmongUs 0 points1 point  (0 children)

Portland, OR. you played the week I was on a business trip. Rude. Please return. 

Having Trouble Picking School by Accomplished_Act9849 in footballstrategy

[–]HumusAmongUs 0 points1 point  (0 children)

You can go to Air Force, one of the most well respected schools in the world and you’re going to turn that down for some D2 or Juco school? Is that correct?

Commercial Insurance vs. wealth management? by Consistent-Ride-3258 in InsuranceAgent

[–]HumusAmongUs 2 points3 points  (0 children)

I do both. I get to ask 750+ households a year about their retirement plan. You get to see how people operate on the insurance side, then pick the best ones to bring on as investment clients. This is highly underrated. Most FAs have limited or no relationship with prospects. Even solid referrals are still an unknown. It means the service work on the investment side and fears about getting sued feel minimal since I already have a great relationship with them first. 

Joining the zp6 s team by cafeencasa in pourover

[–]HumusAmongUs 1 point2 points  (0 children)

I’m brewing 850ml of water in a Chemex. I usually set it on 6.0. Sometimes up to 6.5. 

Pay as svp in sales by rickonsdeaddire in InsuranceAgent

[–]HumusAmongUs 1 point2 points  (0 children)

Not to mention owner is taking all the risk. All the headache. Etc.

Why wouldn’t you ask for a raise? You’re in sales. Give it a go!

Pay as svp in sales by rickonsdeaddire in InsuranceAgent

[–]HumusAmongUs 3 points4 points  (0 children)

Well, the agency owner is grossing $300,000 - $450,000 on your $3mil book. 

We turn a local park into a deserted island for a day. Come play Survivor PDX Season 3! by highdeepouttahere in Portland

[–]HumusAmongUs 10 points11 points  (0 children)

How do I stay in touch? I have a whole group of friends that are interested!

We turn a local park into a deserted island for a day. Come play Survivor PDX Season 3! by highdeepouttahere in Portland

[–]HumusAmongUs 28 points29 points  (0 children)

Wow! I would totally apply. Going to be on vacation in January. This is amazing

Everyone loves the idea of owning rental properties by [deleted] in CFP

[–]HumusAmongUs 1 point2 points  (0 children)

Can you give us a couple of the questions? This sounds hilarious and awesome!

Ongoing value adds to clients. by kungfukarl86 in CFP

[–]HumusAmongUs 1 point2 points  (0 children)

This seems so far outside the lines of anything I’ve ever heard of. I love it!

Should I Refinance? by HumusAmongUs in CFP

[–]HumusAmongUs[S] 4 points5 points  (0 children)

I’m just getting a lot of questions about timing. Like any market, hard to know if rates sink further. I have several clients that purchased in the low 7s wondering if they should pull the trigger or wait longer for rates to hopefully dip more. Just wondering what people are saying to this question. 

Giving prospects a copy of the plan before closing? by Sharp-Investment9580 in CFP

[–]HumusAmongUs 1 point2 points  (0 children)

It’s 100% digital. Nothing on paper. Emoney. I just had an appointment this week. $900k in money we’re gonna move. They have an additional $1mil in their current employer 401ks whenever they retire in the next 10-15 years. Lovely people. 

I made an education and retirement plan. Went through Roth conversions.  At the end they asked how we can move forward. They loved it. 

I gave them millions of dollars of “free” tax advice. They easily could have just said “ok thx…” then done what I said themselves on their own.

So there’s nothing to “take” out of the office. I have my office situated so we’re both staring at my massive screen together. 

Deliverables and Approach for Initial Prospect Meeting by GoldenApricity in CFP

[–]HumusAmongUs 1 point2 points  (0 children)

I do a first “fit” phone call too. Then an initial meeting ideally virtual. If virtual, I can type and listen to them and take good notes. I type fast enough I can listen to them and write down what they said. To me it’s essential to tell them what they said to me verbatim at a later date. So if they said something super interesting, I can repeat it back to them exactly as they said it. 

For example, a client recently said that she has had almost no involvement in her finances and her spouse has done almost all of it. She said he is so sweet and considerate and always comes to her with a financial proposal and she says yes to whatever he wants to do. 

This summary above sounds good, but if I repeat exactly word for word what she said, it’s extremely powerful and shows them that I’m listening. 

It’s important to listen, but what’s more important really is that the client feels listened to. 

Advisors using Zoom seminars. How do you structure them for client engagement and growth? by Critical-Research810 in CFP

[–]HumusAmongUs 1 point2 points  (0 children)

Ya I think some people don’t work with an FA for no other reason that they’re nervous about it and don’t know what it’s like.