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Program Overview for clients

Phone script for top prospects

FAQs

NASD approved Seminar script and slides

Turn Second Incomes into Primary Tax Deductions!

Dentist Connect
No Pain, Big Gain

CPA Connect
Perfect Timing


CLIENT PROFILE

Born before 1961

1-5 Employees

Earned Income
> $100,000

If a client doesn't have a retirement plan with you, now is the perfect time to check in. There may still be time to sell a SEP for 2005. Call -- find out whether he or she has a plan, what type, and the amount contributed last year. But your primary opportunity is to open a defined benefit plan for 2006, before a 2006 contribution is made to any other retirement plan. Defined benefit plans must be opened by the end of the fiscal year for the business.

Your best clients are making a lot of money and paying large tax bills. They max out their retirement plans and claim all of the deductions allowed by law. But taxes still take a big bite out of their hard-earned dollars.

How can you help?
Your clients who are self employed, professionals, or small business owners could save $50,000** or more in taxes with a Solo db retirement plan. Now is the perfect time to contact them about 2006 tax year savings — while the wounds are still fresh from 2005 payments.

These successful clients may be eligible to contribute $100,000 or more annually to a Defined Benefit plan — current plan contributions average $125,000 a year for eight years. It's a great opportunity. A defined benefit plan is the one deduction they get to keep, to invest, and to grow tax-deferred until withdrawn.

Compare contribution limits for small business plans:


Use our sample script to move the process forward. Act now while taxes are fresh on their minds.


And a committed stream of investment dollars for you to manage year after year. Annual contributions are required for the life of the plan.



The key to making the sale is presenting to the right clients — and more than likely you already have them in your book

You or your assistant can find suitable clients by looking for the following:

Born before 1961

Income of $100,000 or more

Self-employed or own a small business (five or fewer employees) see list of typical occupations

Contributed at least $40,000 to their business retirement plan last year:

  • SEP-IRA
  • SIMPLE-IRA
  • Individual 401(k)
  • Keogh (Profit Sharing or Money Purchase)



Solo db is simple to present and easy to sell. Run a proposal for each prospect -- you'll know in seconds if Solo db is right for your prospects.


For Financial Advisor use only.
Copyright 2006 Leaffer Shapiro LLC. All rights reserved.


"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries, including the issuing companies of Hartford Life Insurance Company and Hartford Life and Annuity Insurance Company. Hartford Solo db programs are funded by The Hartford Mutual Funds or Hartford individual annuity contracts.

The Hartford Mutual Funds are underwritten and distributed by Hartford Investment Financial Services, LLC. You should carefully consider investment objectives, risks, and charges and expenses of The Hartford Mutual Funds before investing. This and other information can be found in the fund's prospectus, which can be obtained from your investment representative or by calling 888-843-7824. Please read it carefully before you invest or send money.

Hartford Life's variable annuities are underwritten and distributed by Hartford Securities Distribution Company, Inc. You should carefully consider the investment objectives, risks, and charges and expenses of Hartford Life's variable annuities and the underlying funds before investing. This and other information can be found in the prospectus for the variable annuity and the prospectuses for the underlying funds, which can be obtained from your investment representative or by calling 800-862-6668. Please read them carefully before you invest or send money.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, your clients should consult their own tax or legal counsel for advice.