How Does Your Marketing Measure Up To The Top Advisor’s?

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By Michael P Kaselnak

I get the question over and over. “What is the most important thing to do to build a successful practice?” I’ve been saying the same thing over and over, great marketing. But most people go, “Oh.”

They want a more exciting answer. So I went out to the proverbial studies to see if they backed me up, and here is what I found.

Most advisors became advisors due to their love of finances, not due to their love of marketing.

Unfortunately, as in many things in life, there is a catch-22. You won’t be an advisor for long if you don’t know how to market. The road to a successful financial planning practice is littered with very bright financial planners that never figured out how to market.

What do I mean by “how to market?” There have been several studies by Financial Advisor Magazine, Tiburon of Strategic Advisors, CEG Worldwide, Moss Adams and many others in the last few years looking at successful advisor practices and what makes them successful.

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It ends up (big surprise) that marketing spending and growth of assets under management go hand in hand, regardless of the size of the practice. Small firms that spent 30% of their revenues on marketing grew their assets at a whopping 50% on average. Was there a difference for large firms managing $100 to $500 million? Nope, same thing. More marketing means more money.

It appears more and more advisors get this as a recent S&P Corp. study found that advisors spent more in 2006 than in 2005 on marketing.

OK, marketing is good we get it, right? So where is the best place to spend your marketing dollar? On branding? On radio? On seminars? Nope, it ends up all studies point at just one thing. And the good news is it’s the cheapest kind of marketing!

Contact. What? Contact! What like a phone call, email, newsletter or handwritten note?

Yep, and often! It turns out that the really successful advisors contact their clients or their prospects between 24.1 and 28 times a year (depending on which study you look at.)

They also found that while any type of contact is good, there is a type of contact that works better than all the rest. Many advisors I talk to guess it is email. When I ask why they tell me because it is fast, easy, cheap and convenient.

Hmmmm. That stuff all sounds good doesn’t it?……for the advisor. Advisors love fast, easy cheap and convenient contact because they can email their whole client and prospect data base in 1 second. That is the very reason that while email is an excellent way to communicate information to your clients, it is the weakest link in either building loyalty in your current client data base or wooing new clients.

Your clients and prospects know that it takes you very little time and effort to email them. Yes they appreciate your prompt delivery of information to them but they view your effort as minimal.

So what is the best ways to contact them? Phone call, personal meeting or handwritten note.

Hmmm. What do all of these have in common? They require time and effort. Interesting, the things that require time and effort are the very things that are linked to the most successful practices. They are willing to do the things other advisors are not willing to do.

Want to be successful in any type of business? Do the things your competitors refuse to do.

About the Author: Mike Kaselnak is considered one of the top marketing and sales experts in the financial services industry. He has personally mentored over 300 financial advisors in the past 10 years. These financial advisors saw their average production increase by 62%. Many saw increases of over 300 percent. He writes articles that have appeared in many mainstream magazines and has written the popular report 300 Financial Headlines that sell.

MikeKaselnak.com

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Commonwealth Bank of Australia CEO apologies for financial planning scandal

Thursday, July 3, 2014 

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.


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Buffalo, New York warehouse fire injures 12 firefighters

Tuesday, June 3, 2008 

Buffalo, New York — 12 firefighters in Buffalo, New York, United States have been taken to the hospital where they are being treated for smoke and chemical inhalation after a massive fire broke out at a warehouse on Buffalo’s west side, early Monday morning. At least three fire companies started battling the blaze, which engulfed the entire warehouse, sending a plume of smoke into the air which could be seen for several miles, at one point darkening the sky. All 12 firefighters are being treated at Erie County Medical Center, but their conditions are not known. At least 80 firefighters were reported to be on scene along with a total of nine of the 19 fire companies in Buffalo. Firefighters were still on scene as of 9:15 a.m. EDT (UTC-4) today, nearly 24 hours after the fire started.

The fire started at the Leisure Living Pool Supplies warehouse at 1130 Niagara street between West Ferry and Albany streets behind the Rich Products building at around 10:30 a.m. Monday and was not brought under control until 6:30 a.m. today. The warehouse is three floors tall. Firefighters had the fire under control just before 12:00 p.m. Monday, but wind off Lake Erie reignited the fire at around 3:00 p.m. At around 7:00 p.m., most of the blaze was under control, but smoke could still be seen coming from the building. All employees from both Rich’s and the chemical company have been sent home for the day and made it out safely. The building is owned by PoolSupplies.com which is a division of Leisure Living, selling supplies, recreation and chemicals for swimming pools. Leisure Living is a company of Island Pools.

At 9:00 p.m., firefighters reported that most of the fire was contained under the collapsed portions of the building, but around 10:00 p.m. firefighters reported that more thick black smoke started to rise from the building. Black smoke usually indicates burning, whereas white smoke often indicates water putting out a fire. Firefighters are using a helicopter, courtesy of the Erie County Sheriff’s Department, that is equipped with infrared cameras in order to see the areas of the building which still contain a significant amount of heat or fire.

After having fought the fire for over 24 hours, fire officials stated that the fire was mostly extinguished and ordered fire companies to start shutting down the hoses and pack up their equipment. Just before 1:00 p.m. the fire command post stated that fire investigators were on scene and that “they can call us (firefighters) back if they need anything.”

Officials have urged all residents near the blaze to stay indoors and to shut all windows and doors due to the smoke which has been blowing close to the ground. At least one civilian who was inside a park at the foot of Ferry was also taken to the hospital for smoke and chemical inhalation. Officials were able to evacuate the park and no other injuries were reported. At one point, the sun was blocked by the black smoke rising from the building.

“The fire reignited again sometime this afternoon. It appears it reignited due to the earlier collapse of the roof and the winds off the lake. Right now, one thing fire officials would like to get out and stress is anyone in and around the Niagara and Ferry area, if you could please go indoors, and shut your doors,” stated Michael DeGeorge, a spokesman for the Buffalo Police Department, to reporters. DeGeorge also stated that no residents have been evacuated.

The northbound lane of the I-190 expressway, which lies just to the west of the warehouse, was closed at the Porter Street exit at the Peace Bridge to the exit leading to the 198 expressway for several hours. At 11:15 p.m., firefighters stated they would begin to reopen the lane. Niagara street from Albany to West Ferry reopened to normal traffic in the late morning hours of Tuesday.

Throughout Monday afternoon and early evening, employees of Marco’s Restaurant on Niagara and Albany were providing ice and beverages to firefighters and police officers who were on scene. Temperatures were quite warm, in the upper 70’s (F), with winds gusting to nearly 15-20 MPH, coming out of the southwest. Although the wind assisted in reigniting the fire, it also assisted firefighters by quickly clearing the area of smoke.

The warehouse is a storage and distribution facility for pool chemicals, especially chlorine. Chemical drops could be felt flying through the air, which also had the smell of bleach. According to a source who spoke to Wikinews on condition of anonymity, the warehouse contained over US$8 million in supplies and chemicals.

Earlier tests performed on the air by firefighters and Haz-mat officials had shown that the smoke and fumes rising from the fire are not dangerous or toxic. Further tests were performed, but those results are not yet known and officials don’t believe there was any danger to the air. Officials will testing the water runoff from fire hoses to make sure that it is not contaminated as it is emptying into the Niagara River. The warehouse is located just down stream from a drinking water pumping station with several more scattered along the River from Buffalo to Niagara Falls.

The cause of the fire is not known and is under investigation. Last year, on May 14, 2007, at least five buildings that were part of a warehouse complex about 1/3 of a mile from Leisure caught fire, and required nearly 130 firefighters to battle the blaze. Smoke from that fire was seen over 40 miles away.


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News briefs:July 27, 2006

The time is 20:30 (UTC) on July 27th, 2006, and this is Audio Wikinews News Briefs.

Palestine

Hamas has denied claims made by Palestinian President Mahmoud Abbas that Israeli soldier, Gilad Shalit, 19, captured on June 25, will be released.

Israel

On Sunday, Dr. Azmi Bishara, leader of the Balad Arab nationalist political party in Israel and member of the Israeli Parliament compared the current military actions by Israel unfavorably with similar previous conflicts in Lebanon. In an article for the Arab Times Bishara said; “The only difference between today and the earlier bombardments — the ‘Day of Reckoning’ and .’Grapes of Wrath’ between 1993 and 1996 — is that Syrian forces are no longer present in Lebanon.”

Ayman al-Zawahiri, al-Qaeda’s second in command, has released a new videotape calling for a holy war against the “Zionists and crusaders” and saying that “the war with Israel does not depend on ceasefires.”

Iraq

The trial of Saddam Hussein has been adjourned until 16 October, which is when the Iraq Special Tribunal is expected to pronounce its judgment. Hussein and seven co-defendants are on trial charged with crimes against humanity after Hussein allegedly ordered his military forces to kill 148 people from the village of Dujail following an attempted assassination of the former Iraqi leader in 1982.

Mexico

Mexican presidential candidate Andres Manuel Lopez Obrador, who lost the vote count to his rival Felipe Calderon by 0.57%, declared victory in the elections and vowed that he and his supporters will continue protesting.

Australia

A 39 year-old man working at a coal mine at Lidsdale, near Lithgow in the Central West of New South Wales, Australia was found dead on Wednesday. It is believed he was struck by a ruptured hydraulic hose.

Six hundred Tube passengers had to be moved to safety in west London after a landslide close to a station on the London Underground.

Sports – cycling

Floyd Landis , who won the 2006 Tour de France, has tested positive for high levels of testosterone, the Phonak team said on their website. Landis’ “A” sample, taken after Stage 17 was positive, and his place on the Phonak team will be based on the lab results of the “B” sample.

We invite you to visit wikinews.org for up-to-date news and information. This has been Audio Wikinews Newsbriefs. Thank you for listening, and enjoy the rest of your day. This recording has been released under the Creative Commons Attribution 2.5 License.


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Bamboo Lanyards As Promotional Items

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By Matt Franks

One of the concerns with buying large quantities of promotional items is the damage that so many plastic, metal, and other products made of non-renewable resources can do to the earth. These materials are not sustainable and once they have been used they are gone. Even paper products are not quickly renewable, since it takes trees decades to grow to the size required to produce paper pulp. Yet, businesses rely on promotional items as part of their marketing strategy; there are fewer more foolproof means of getting an organizations name and contact information firmly into the eyes of the public.

This leaves the responsible business marketer in something of a quandary. How can they continue to promote their business with large quantities of promotional products without doing more than their fair share of damage to the planet? This is an especially significant question when you, the business person or marketer, are aware that your clients also care about environmental issues; the last thing you want is to appear insensitive to these concernsbecause of course you are quite aware of them.

One solution for the conscientious business is to concentrate your marketing efforts around products made of bamboo. There are many such products; entire lines of ecologically friendly promotional products are made from bamboo. Bamboo is a very sustainable resource because it grows so quickly and plentifully wherever it is, and bamboo products are biodegradable. Bamboo is both flexible and durable, making it ideal for a wide variety of products.

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An excellent example of a popular promotional item made from bamboo is bamboo lanyards. A lanyard is a strap of sorts that is usually worn around the neck. Bamboo fibers are woven into thick and durable straps, then dyed bright colors that reflect your companys brand. Your company name, phone number, logo, and website can easily be printed in a contrasting color. These lanyards are about an inch wide, and the natural bamboo fibers are comfortable to wear and keep the lanyards from irritating anyones skin. They have plastic or metal clips attached to the ends for affixing the things they are intended to hang.

Lanyards have several practical uses. For clients who wear security or identification badges, they can be clipped to the plastic end of the lanyard, hanging conveniently around their neck in plain view of anyone who needs to see them. This is also a convenient way for people to carry credit cards or cash when they go shopping, or passports and identification in the airport; it keeps those important objects close to their bodies, easy for them to reach but hard for thieves to get to. Shorter lanyards can be clipped to belt loops to hold keys, and longer ones can hold peoples glasses when they arent wearing them.

Bamboo lanyards with your organizations name personalized on them are visible to everyone who sees your customer wearing them. They are a bright and earth-friendly way to get your information in public view.

About the Author: Matt Franks is director of Fluid Branding, the UK’s largest supplier of

Promotional Bamboo Lanyards

and other

Promotional Products

at www.fluidbranding.com. For Eco Friendly promotional products, including Recycled, Organic and Sustainable items visit www.ecoincentives.com

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FEMA accused of misusing trained disaster workers as public-relations workers

Monday, September 12, 2005 

The Federal Emergency Management Agency (FEMA) is being criticized for misallocation of personnel in the wake of Hurricane Katrina. FEMA representatives said they requested volunteers from fire departments around the U.S., to handle its community relations campaign. However, a document FEMA sent to local fire departments asked for firefighters with very specific skills and who were capable of working in “austere conditions”. Fire departments around the nation responded by sending crews to the FEMA staging ground in Atlanta. Some of these crews were unaware that they were only going to be used for public relations work. Others, however, merely hoped that FEMA would allocate them to rescue and damage control operations once it saw their qualifications.

The firefighter’s objections are particularly poignant as one of FEMA public relations training seminars coincided with New Orleans Mayor Ray Nagin plea for firefighters on national television, to relieve his own exhausted crews. It is unclear if FEMA’s request for firefighters prevented any municipalities from responding to Mayor Nagin’s request.

Some firefighters have objected to their use as FEMA public relations officers because their municipalities must bear the cost of their salaries, as well as endure reduced firefighting capacity. FEMA has stated that it sought to use firefighters to avoid background checks required of federal employees.

Firefighters began receiving their assignments Monday, September 5th. Among these was a crew of 50 assigned to tour the devastated areas with President Bush and the press.


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Woman dies after being struck by fire truck hose in Cambridge, Massachusetts

Saturday, January 30, 2010 

A woman has died after being struck by a hose attached to a fire truck in Cambridge, Massachusetts. Gertrude King, aged 82, came from the town of Somerville.

On Tuesday, she was standing on a median strip on a road to allow a fire truck to pass through. As the truck passed, the fire hose attached to it dislodged and was left dragging behind the vehicle; the elderly woman was struck in the knees by the trailing hose. According to Cambridge Police, Gertrude died in Massachusetts General Hospital on Thursday. Deputy Superintendent Jack Albert of Cambridge Police stated, “[w]e do know the hose is 200 feet long and we believe that the hose was completely off the truck and being dragged at the time it struck.”

An investigation is underway. The police have said that, at present, they are unable to determine the cause of the loose hose. Gertrude was said to be unable to get out of the way in time. Elanor Raniri, who lives in the same apartment complex as Gertrude, said, “[s]he was very special. It’s unbelievable. It’s hard to take in.”


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European Parliament rejects computer-implemented inventions directive

Wednesday, July 6, 2005  File:European-parliament-strasbourg.jpg

The European Parliament has rejected the directive on the patentability of computer-implemented inventions (software patent directive) sustained by lobbies of large software publicists such as the corporations Microsoft, Siemens, Nokia and Alcatel, grouped under the title of the European Information & Communications Technology Industry Association (EICTA, [1]). The directive involved the granting of software patents.

648 MEPs out of 680 rejected the text, 18 voted for and 14 abstained.

A rejection vote became the expected outcome when the European People’s Party, initially in favour of the directive, decided to reject it.

The European Greens, Socialist Group and European Liberal Democrat and Reform Party also voted for rejection of the directive for heterogeneous reason. Michel Rocard, author of a number of amendments to the original directive, said that the majority of the modifications were unlikely to be supported by the Commission and Council, with whom the Parliament would have had to enter a Conciliation procedure if it had voted for maintaining the directive in moditifed form. “Better have no text at all than a bad one”, he added.

Before the vote, Rocard pointed at the irritation of the Parliament towards the Commission: “There is collective anger throughout the Parliament because of the way the directive was handled by the Commission and the Council”.

During the debate on Tuesday, Commissioner Joaquín Almunia told MEPs: “Should you decide to reject the common position, the Commission will not submit a new proposal.”.

The rejection was welcomed by small and medium software companies, as well as by Free Software supporters. The Directive had been subject to an intense campaigning, within the Parliament, in the news media and on the Internet. The supporters of the Council position appear to have spent several ten millions, hiring prestigious PR agencies with at least 30-40 lobbyists who roamed the halls of the Parliament every day for 3 months, and many full-page advertisements in EU newspapers such as European Voice, EU Reporter etc. The opponents of software patentability (that is supporters of the position taken by the European Parliament in its 1st reading of 24 September 2003), coordinated under the roof of the Foundation for a Free Information Infrastructure (FFII), also had several lobbyists stationed in Brussels, conducted several conferences and demonstrations and published some newspaper advertisements, with a total budget of nearly 100,000 eur apart from countless unpaid working hours of a dedicated supporter base, consisting mainly of programmers and software entrepreneurs.


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Play Up Your Assets A Girl’s Guide For Turning Heads Everywhere You Go

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By Maria Artime

We’ve all seen women that scream sex appeal. They can make men’s heads turn on a dime, forget what they were just talking about, or even cause jaws to drop. Contrary to what you may think, these women did not wake up looking that fabulous.

Sure, some women are blessed with natural good looks. That helps. But women who turn heads posses more than just pretty faces and nice bodies. They know how to play up their assets. And even more importantly, they know how to play down their flaws so that all you see when you look at them is 100% assets!

Step 1 – Get an Honest Friend

Most of us would like to believe that we are the expert on our looks. Who’s going to know better than you what your assets are or how you can play them up? I hate to insert a reality check here, but unless you’re turning heads already – you need a dose of truth pie. I always say that your best friend and your biggest asset is one who will tell you the absolute truth, without taking your feelings, thoughts, or opinions into account. As Robert Cathers, Director of SinglesCrowd.com says, “Your most honest friend makes the best mirror.”

Step 2 – Know Your Flaws

Before you can play up your assets, you need to know what your not so great features are. Again, I suggest that you get the help of your most honest friend. If you want to turn heads, you’re going to have to go with the opinions of the masses rather than your own personal opinion. You also want to make sure that you don’t put something on your flaws list that actually belongs on your assets list. For example, I think my legs are short so I’m always tempted to consider them a flaw. But my legs are constantly complemented by complete strangers and all my honest friends will put them on my assets list, not my flaws list.

Step 3 – Play Up Your Assets

There are so many ways to play up your best features and make heads turn everywhere you go. You’ll know what your assets are based up what your friends tell you or if a particular feature of yours is complemented often. Here are a couple of suggestions categorized by different features:

Great Hair

– Leave it down!

– Run your fingers playfully through it as your speak to people to draw attention to your hair.

– Put a small accessory like a flower in it.

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Nice Legs

– Wear short skirts or shorts to show them off.

– Wear high heels to make them look even longer.

– Make sure you put lotion on them to give a smooth appearance.

Fit Body Shape

– Get a tan! Nothing shows off or defines a fit body better than a tan. I suggest a spray tan so that you don’t get not-so-nice wrinkles.

– Wear tighter fitting clothing. No ones going to know about your figure if it’s drowned in clothes.

Beautiful Skin

– Moisturize and wear sunscreen to keep it beautiful.

– If you’re beautiful skin is on your face, wear foundations that aren’t too heavy so that your skin shines through.

Perky Breasts

– Although I hate to admit it, this one ranks high on the head turning list. If you have natural or cosmetically enhanced beautiful breasts, show them off!

– Wear clothes that tastefully reveal your cleavage.

– Tight fitting shirts leave more to the imagination and turn heads just as well.

Eyes or Lips

– Accentuate these features with flattering make-up.

– A make-up consultant at a mall will usually do your make up for free if you purchase just one thing from their counter.

– If your eyes are mesmerizing, make direct eye contact with people often.

– If your lips are a great asset try smiling often.

Shapely Backside

– If you’ve got it going on back there, take a page from J-Lo’s handbook and play it up with your clothing.

– Try wearing jeans with back pockets to draw attention to that area.

– Sway your hips a little bit when you walk so that people checking you out from behind will notice your great butt!

Step 4 – It’s About Time

Now that you know what your best and worst features are, you’ll want to put this information to good use. If you’re really committed to turning heads, you need to understand that getting out of bed and throwing on whatever you see first just isn’t going to work. At SinglesCrowd.com they’ve found that women who turn heads, spend time on their looks. There are no shortcuts here. As a woman who’s figured out her assets and how to play them up, I can tell you that on average I spend 30-45 minutes getting ready before I step out the front door. For some of you this is going to mean waking up a bit earlier. If you ask me, that’s a small price to pay for looking fabulous for the rest of your day!

Step 5 – Confidence is Key

Regardless of how hard you work on playing up your assets, your biggest asset will always be your confidence. Nothing screams sexy louder than a woman who’s confident in herself. But let’s face it; not even the Angelina Jolie’s of the world always wake up feeling sexy. As my friends at http://www.SinglesCrowd.com say, “Just because you don’t feel confident, doesn’t mean you can’t act it!” Often times my friends have told me that I always seem so perfectly put together and confident. I joke with them that I fake it till I make it. And after we all have a laugh, I say, “I’m serious!”

Step 6 – Fake It Till You Make It

Every head turning woman out there will tell you that there are days when she feels bloated, or has a pimple, or thinks her hair looks dull etc. But for those particular days, it’s your confidence that’s going to get you the furthest! You can look confident by holding your head high when you walk, make sure your back is straight, look at people in the eye, and smile. When you put that all together, you can’t help but scream confidence and exude sexiness!

Start Turning Heads

So what are you waiting for? Follow the simple steps above and watch how you’ll be stopping men in their tracks to get a look at you! And remember, a great friend and confidence in yourself are the two most important tools you need to play up your assets!

About the Author: Maria Anderson is America’s hottest dating coach. For years she has been showing singles how to meet and be successful at the dating game. For more proven dating advice check out:

OnlineDateDr.com

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Woman dies after being struck by fire truck hose in Cambridge, Massachusetts

Saturday, January 30, 2010 

A woman has died after being struck by a hose attached to a fire truck in Cambridge, Massachusetts. Gertrude King, aged 82, came from the town of Somerville.

On Tuesday, she was standing on a median strip on a road to allow a fire truck to pass through. As the truck passed, the fire hose attached to it dislodged and was left dragging behind the vehicle; the elderly woman was struck in the knees by the trailing hose. According to Cambridge Police, Gertrude died in Massachusetts General Hospital on Thursday. Deputy Superintendent Jack Albert of Cambridge Police stated, “[w]e do know the hose is 200 feet long and we believe that the hose was completely off the truck and being dragged at the time it struck.”

An investigation is underway. The police have said that, at present, they are unable to determine the cause of the loose hose. Gertrude was said to be unable to get out of the way in time. Elanor Raniri, who lives in the same apartment complex as Gertrude, said, “[s]he was very special. It’s unbelievable. It’s hard to take in.”


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