I do not have a securities license as of yet. I only have Life and Health at this time. How can I use the Values Conversation™ and the Financial Roadmap® with just having these licenses?

Article ID: 45

Last updated: 20 Nov, 2019

You can partner with others in your office, firm, or community to deliver on the Values Based Financial Planning™ promise. The Values Based Financial Planning™ promise is a comprehensive, written financial plan, and implementation and accountability service and support.

Who can you partner with to write the plan? Who can you partner with to provide the investment expertise? Who can you partner with for solid advice in various areas of insurance? Who can you partner with to take care of the tax and legal issues? We call this building your Deliverables Team. Your job is to be the Trusted Advisor and the Client Relations Manager. The Subject Matter, or technical experts, are your Deliverables Team. Nobody is smart enough or has the time to be an expert in all of the areas necessary to truly fully serve clients.

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When running through the Financial Road Map® with existing clients that are older clients, is there a different way we should approach the tangible goal questions as it seems the older the clients, the less tangible goals that they have and what happens if a client cannot think of a tangible goal, how do you proceed from there? I have quite a number of older clients aged in their 70’s where this would occur.

My accountability coach recommended that I use the Financial Road Map® with all of my clients in order to gain practice and experience with the process. In situations, however, where I know that my clients do not fit my ideal client profile and in all likelihood will in fact be a fit, as clients for my comprehensive planning offering. Would my time be better spent prospecting for referrals with on profile clients who have experienced the Financial Road Map® for more ideal on profile clients like themselves?

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