Inside Voices: M Financial Podcast (Public)

M Financial Actuaries Bruce Fuller and Brendan Costello talk with Eric Eklund about M reinsurance, how persistency and scale gives M an advantage with carriers, and what makes the M platform unique and important to your clients.

Elliott Robinson, President at The Robinson Financial Group, discusses the charitable planning space, including the use of a donor-advised fund for gifting life insurance, the value of life insurance as a way to continue giving indefinitely, and his family’s long history and passion for sharing with the community. (Part one of two)

Erik Bjorvik and Bret Norris of M’s Wealth Solutions team talk about how “behavioral finance” affects clients’ decisions, how low-volatility portfolios can still be diverse, and why less risk is not equal to less return. They also discuss what an ESG score is and how it’s used to rate companies, and how M Wealth’s new portfolios address the dramatic increase in socially responsible investing.

The opinions voiced are for general information only. They should not be construed directly or indirectly, as an offer to buy or sell any securities mentioned herein. Individual circumstances vary. Investing is subject to risks including loss of principal invested.  No strategy can assure a profit against loss.  Due to volatility within the markets mentioned, opinions are subject to change without notice.  Information is based on sources believed to be reliable; however, their accuracy or completeness cannot be guaranteed. Before taking any specific action, be sure to consult with your financial professional.

The product features, benefits, and limitations associated with a particular product will vary from product to product, and also from state to state.  Before investing, investors should read and consider carefully the products and any underlying fund prospectuses, which contain more complete information including investment objectives, strategies, risk factors, fees, contingent deferred sales charges and other costs that may apply.

 Investing internationally can carry additional risks such as differences in financial reporting, currency exchange risk, as well as economic and political risk unique to the specific country. This may result in greater price volatility. Shares, when sold, may be worth more or less than their original cost.

Investments in emerging markets may be more volatile and less liquid than investing in developed markets and may involve exposure to economic structures that are generally less diverse and mature and to political systems which may have less stability than those of more developed countries.

Jeri Turley, Principal at Winged Keel Group, discusses M’s commitment to client advocacy, the M Government Affairs Committee, the important work our advocacy partners perform, her Chair-Elect role with AALU, and the importance of fighting for issues that matter to us.

Michael Silverberg of Lindberg & Ripple talks about the many changes he’s seen in the industry since he began in 1960, and how clients have largely stayed the same. He also discusses his path into the M Community, the advantages M has given him and his clients, how he’s benefited from mentorship, and why he’s still excited about M’s future.

David Downey, Founder of The Downey Group, talks about the history and current use of “split-dollar” policies, shaping the business through advocacy, the value of mentoring beyond job skills, and the power of storytelling – and why you need to have good stories.

Kristi Barens, Principal at Mullin Barens Sanford Financial, discusses her unusual career path, how she finds fulfillment in community involvement, shifting diversity in the insurance industry, and why being a great consultant is more important than being a great salesperson.

This special BoliColi.com edition of Inside Voices features John Gagnon talking with attorney Rick Miller about common mistakes found in SERP documents, the nuances of section 409A of the tax code, how SERP is used for employee retention, and much more.

John Enomoto of Advanced Life Insurance Strategies talks about how he got started in the insurance business, the family nature of his firm, his path to niche international expertise, and advice on how to present to prospects and clients.