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	<title>RickBryan.com</title>
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	<description>If you need a Will or a Trust, Trust me.</description>
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		<title>Life Insurance as Multi-Level Marketing</title>
		<description><![CDATA[Its always been part of the life insurance industry model that agency managers were expected to recruit new agents into the business, and train and nurture them for a few years to become Top of the Table producers.  Yes, selling to friends and family was always the way new agents began their careers, in all companies (which is proper and correct, by the way), and that's not so different from how MLM companies pitch to their new recruits.  The difference, of course, is that the income made from selling products is eventually how agents become top producers in the insurance industry, whereas having an enormous 'downstream' line (like a pyramid) is the ultimate goal of a top producer in the MLM industry. ]]></description>
		<link>http://rickbryan.com/?p=445</link>
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		<title>Circular 230</title>
		<description><![CDATA[For your reading pleasure is the infamous IRS Circular 230, which governs the conduct of practitioners in IRS matters. It applies to lawyers, CPAs, Enrolled Agents, Actuaries, Retirement Plan Agents and Appraisers. As a general matter, the rules of Circular 230 are intended to &#8216;raise the bar&#8217; as to professional responsibility (conduct and ethics) among [...]]]></description>
		<link>http://rickbryan.com/?p=406</link>
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		<title>June 16, 2010 Financial Planning Allied Professionals Networking Event</title>
		<description><![CDATA[rk your calendars for 6 PM until 8 PM on Wednesday, June 16, 2010 for our next Financial Planning Association of New York Allied Professionals Networking event.  The event is intended to bring together like-minded professionals from the fields of law and accounting and banking and real estate and a variety of other disciplines]]></description>
		<link>http://rickbryan.com/?p=381</link>
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		<title>Free Video Explaining Probate</title>
		<description><![CDATA[Some lawyers in Illinois have developed a series of Continuing Legal Education (CLE) courses as part of a new business model they're rolling out; check it out.]]></description>
		<link>http://rickbryan.com/?p=352</link>
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		<title>Financial Wellness Coaching Takes Hold</title>
		<description><![CDATA[A couple of months ago my friend Lora Sasiela was explaining some aspects of modern psychology and psychiatry and Sigmund Freud&#8217;s theories; much of which went over my head, but fascinating nonetheless. Lora is a licensed psychotherapist, and much of her work in the last ten years has been helping people understand the psychological causes [...]]]></description>
		<link>http://rickbryan.com/?p=268</link>
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		<title>Financial Advisor and Quarterback Sacked for Loss of Yards</title>
		<description><![CDATA[Most of my estate planning engagements come from insurance advisors and CFPs, because among estate planning lawyers I recognize the benefits of life insurance and annuities where many attorneys just can&#8217;t get passed the &#8216;exhorbitant&#8217; commissions being earned by the sales rep despite the value of the product to the client. For that reason, I [...]]]></description>
		<link>http://rickbryan.com/?p=258</link>
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		<title>New York Life&#8217;s Mark Pfaff Promoted to Executive Vice President</title>
		<description><![CDATA[One of the class acts in the New York insurance industry is New York Life&#8217;s Mark Pfaff, and the National Underwriter is reporting that Mark was just promoted to Executive Vice President of the US Life and Agency division of the Company. I met Mark for only about twenty minutes or so many years ago [...]]]></description>
		<link>http://rickbryan.com/?p=255</link>
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		<title>IRS Offers Criminal Amnesty to Offshore Account Holders</title>
		<description><![CDATA[The IRS announced the other day that they were willing to forgo criminal prosecution of US taxpayers who held (and failed to report and pay tax on) accounts held offshore. As reported by Thomson Reuters/IRS, IRS Commissioner Doug Shulman has announced what is in effect a settlement offer for those that voluntarily and timely disclose [...]]]></description>
		<link>http://rickbryan.com/?p=253</link>
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		<title>Medicare Hospice Benefits</title>
		<description><![CDATA[Here&#8217;s a pamphlet (at the bottom) from the Centers for Medicare &#038; Medicaid Services which explains the benefits of the Medicaid program for people who are terminally ill. The program is is known as Medicare Hospice Benefits, and unfortunately is one of the most underutilized of all the Medicare programs, especially in New York. If [...]]]></description>
		<link>http://rickbryan.com/?p=234</link>
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		<title>MetLife Getting No Love From the Market</title>
		<description><![CDATA[I thought my buddy was joking last week when he told me &#8220;MetLife is at $11.50!&#8221; Are you kidding?! No, he wasn&#8217;t. And only a few weeks before that, MetLife had been downgraded by one of the ratings agencies. What&#8217;s going on? Even a casual observer of the industry can recognize MetLife is the best [...]]]></description>
		<link>http://rickbryan.com/?p=186</link>
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