Lead with clarity they can see
Tax season may have passed, but the window for impactful tax planning is wide open. As an advisor, you’re well aware of how taxes influence your clients’ financial strategies. Yet, many clients remain unaware of the impending changes that could significantly affect their retirement plans.
The Looming Tax Landscape
Several factors are converging to create a complex tax environment:
- Expiration of the Tax Cuts & Jobs Act of 2017: Key provisions are set to end in 2026, including increased estate exemptions, individual tax bracket changes, and higher standard deductions.
- U.S. Bond Sell-Off & Recession Warnings: The recent sell-off in U.S. Treasury bonds has rattled markets, driving up yields and stoking fears of an economic slowdown. Many analysts now believe a recession could be on the horizon—and with it, more aggressive fiscal shifts.
- Global Instability & Trade Tensions: New tariffs and ongoing trade disputes are adding fresh volatility to an already fragile global economy, making long-term tax policy harder to predict and even harder for clients to plan around.
These elements suggest that proactive tax planning is not just beneficial—it’s essential.
Transforming Conversations into Campaigns
To effectively engage clients and prospects, consider the following marketing strategies:
- Educational Workshops: Host seminars or webinars focusing on tax-efficient retirement planning. Use these platforms to discuss the potential impact of upcoming tax changes and introduce solutions like Roth conversions or tax-advantaged insurance products.
- Targeted Email Campaigns: Develop a series of emails that address specific tax planning topics. Segment your audience to ensure the content resonates with their unique financial situations.
- Social Media Outreach: Share informative posts and articles on platforms like LinkedIn and Facebook. Highlight the importance of tax planning and invite followers to schedule consultations.
- Client Review Meetings: Use annual reviews as an opportunity to revisit tax strategies. Discuss how changes in legislation may affect their plans and explore adjustments to mitigate potential tax burdens.
Planning Opportunities and Resources
Retirees and near-retirees continue to grapple with a complex tax landscape, which can result in unnecessary financial burdens and potential losses. In the current environment, staying ahead of tax implications is more crucial than ever – and proactive planning can help mitigate risks and maximize returns for retirees and those nearing retirement.
IAMS’ 2025 Macro Tax Planning Kit offers invaluable resources to initiate these essential conversations with your clients. By addressing tax concerns and adapting strategies to the current environment, you can empower your clients to achieve their long-term financial goals with confidence. The kit includes:
- Updated tax tables and a 1040 Guide
- Factfinders, checklists and presentations
- A client-facing Smart Wealth Accumulation (IUL) guide
- Prospecting letters tailored to multiple audiences
- Ready-to-post social media content
