STM Group Plc

Do your clients have one or multiple financial tipping points? For some people, agreeing their financial tipping points can be challenging. It can be difficult for them to think about and agree on what they would need, want, and be prepared to give-up, especially when transitioning from full-time to part-time or full retirement. Adjusting financial income becomes crucial and can be key to supporting your clients through their individual tipping points.   STM Gibraltar’s Flexible Life Annuity and Flexible Pension Annuity put you and your clients in control of the income payment amounts and the payment frequency. Income amounts can be increased or decreased, the payment frequency can be changed, and the payments may be paused & restarted at any point. So, your clients can change their individual tipping point(s) multiple times.   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can answer questions about specific client scenarios and guide you through the options that support your client’s plans and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance

Is LATER too late? And is NOW too soon? Should the question be, “When is the right time?” The answers to all three questions depend on when they are asked. Would you and your clients prefer to keep their options open so that WHEN LATER BECOMES NOW, they have the ability to change their plans?   Keeping your client’s options open is one reason to recommend an STM Gibraltar flexible annuity. It puts you and your client in control of the income payment amounts and the payment frequency. Income amounts can be increased or decreased, the payment frequency can be changed, and the payments may be paused & restarted at any point. These solutions allow you and your clients to adapt to changes in their income needs.   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can answer questions about specific client scenarios and guide you through the options that support your client’s plans and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance

Today my top priority is . . . Tomorrow my top priorities may be something else. Priorities can remain unchanged for months or years and then shift in an instant. For some clients, their priorities and plans can be fluid, making it a challenge to strike the right balance.   STM Gibraltar’s Flexible Life Annuity and Flexible Pension Annuity provide income payments where 1) the amounts can be increased or decreased, 2) the frequency can be changed, and 3) income payments may be paused & restarted at any point.   These flexible annuities put you and your clients in control of the income payment amounts, the income frequency and how your client’s assets/investments are managed. This allows you and your clients to respond to one or more changes in their priorities.   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can answer questions about specific client scenarios and guide you through the options that support your client’s plans and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance #ChangingPriorities

It is okay to say . . . That may be a bold way to start a conversation. But it is okay to tell a client “It is your life, and I’ll work with you to achieve your goals.”   It is likely that each of your clients will have different short, medium, and long-term goals. Some goals will be urgent, and some goals will be important. It is likely the urgency and importance of each goal will change depending on a number of different life events.   So, how can you plan for multiple goals? One approach is to include a flexible annuity in your client’s portfolio. Flexible annuities put you and your clients in control of the income payment amounts, the income frequency and how your client’s assets/investments are managed. These can all be set at outset and varied at any point.   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can answer questions about specific client scenarios and guide you through the options that support your client’s plans and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance #ItIsOkayToSay

Can we achieve a good work-life balance that creates a sense of harmony? This depends on your definitions of work, life, balance, and harmony? We all know that clients are different and each will have a different outlook.   Our sense of harmony can change with a new job, home, a child, a grandchild, or changes to our/someone’s health.   Planning for multiple and ‘potentially’ uncertain events can be challenging. One approach is to recommend a flexible annuity to your clients. Flexible annuities put you and your clients in control of the income payment amounts, the income frequency, and how your client’s assets/investments are managed. These can all be set at outset and varied at any point.   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can answer questions about specific client scenarios and guide you through the options that support your client’s plans and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance #WorkLifeHarmony

Which plan will your client choose? Plan A, Plan B, and Plan C may have the same ‘potential’ outcome, but the paths to get there may be completely different.   Having a solution that offers flexibility whether your client chooses Plan A, Plan B or Plan C can help  your clients react to life’s uncertainties.   Including a flexible annuity with adaptable income payments which can change to match their future income needs helps to smooth the ‘bumps’ along the path.   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can guide you through the options that support your client’s plans and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance #ChoosingTheRightPlan

“Less is more” especially when it means fewer unnecessary restrictions! We often hear “less is more” but without context, it can be meaningless. This phrase is commonly used by people who are looking in a rear-view mirror. However, many people hope their best lives are still ahead of them. And for those who want their best lives to be flexible then income flexibility is key.   Flexible annuities offer fewer restrictions and more adaptability in income payments compared to traditional purchased life annuities and lifetime pension annuities. Fewer restrictions can provide more flexible income options!   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can guide you through the options that support your client’s goals and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance #LessIsMore

💻 Register and join our 10 October 2024 webinar and receive a 30-minute CPD certificate 📄 Our next educational and practical webinar for financial advisers, financial planners, and wealth managers will focus on: 1.  an overview of the current retirement landscape, 2.  how London & Colonial Assurance PCC Plc (‘LCA’) fits into this landscape, 3.  identifying customer retirement needs & LCA’s pension solutions, and 4. comparing flexible annuities and other pension solutions through a number of case studies. A 30-minute CPD certificate will be issued to those individuals who join the webinar, which starts at 10.00AM (BST) on Thursday 10 October. 🕙 👉 Click here to register - https://lnkd.in/duhcyAin. #STMGibraltar #TheHomeOfFlexibleAnnuities #FlexibleSolutionsForRealPeople #SupportingYourBusiness #ClientFreedoms 💻 | London & Colonial Assuranceapp.livestorm.co

“We need a PLAN!” How often have your clients contacted you and said, “We need a PLAN?” They may know their destination but aren’t sure how to get there so they are really looking for flexibility to help them achieve their short, medium, and/or long-term goals.   Unlike traditional purchased life annuities and lifetime pension annuities, flexible annuities may suit people who are looking for a PLAN where the income payments can adapt to changes in their circumstances and/or future income needs.   Want to know more? Request a call back from one of our knowledgeable Business Development Managers who can guide you through the options that support your client’s plans and allow you to continue to manage their investments.   👉 Click here to request a call back: https://lnkd.in/eMGinFsW.   #STMGibraltar #TheHomeOfFlexibleAnnuties #FlexibleSolutionsForRealPeople #SupportingYourBusiness #GettingTheRightBalance #MultiplePlans

📅 One week to go to LCA's Retirement Solutions Webinar on 10 October 2024 💙 Register today and join our next educational and practical webinar for financial advisers, financial planners, and wealth managers, which will focus on: 1.  an overview of the current retirement landscape, 2.  how London & Colonial Assurance PCC Plc (‘LCA’) fits into this landscape, 3.  identifying customer retirement needs & LCA’s pension solutions, and 4.  comparing flexible annuities and other pension solutions through a number of case studies. 👉 Click here to register, https://lnkd.in/duhcyAin, for this 30-minute webinar which starts at 10.00AM (BST) on Thursday 10 October. #STMGibraltar #TheHomeOfFlexibleAnnuities #FlexibleSolutionsForRealPeople #SupportingYourBusiness #ClientFreedoms 💻 | London & Colonial Assuranceapp.livestorm.co