Silent Generation:

Many people who have financial plans are concerned about their the lack of provisions to guarantee lifetime income.  (slight pause to listen and evaluate the prospect)  We help our client manage and invest their assets so they have the money they have guaranteed lifetime income regardless of changing market conditions.

Boomer Generation:

Most people who have a financial plan consider getting a second opinion periodically to make sure they aren’t missing out on new planning or investment strategies.  (slight pause to listen and evaluate the prospect)  We help our clients evaluate planning options by creating sample financial plans that could increase their retirement income.  This straight forward process is based on your goals and provides you useful information that protects your investments and the retirement income you want.

Generation X and Y:

Very often when someone has a retirement plan they update it periodically because of changing goals and ability to save. (slight pause to listen and evaluate the prospect)  We help our clients review their retirement plans so they can make money decisions based on their current goals and priorities.  We use a straight forward process and provide you a sample plan so you can update your retirement plan with confidence.

These examples are word sensitive because according to the MDRT study the older retired Silent Generation is more receptive to the phrase financial plan while the younger generations are more receptive to the phrase retirement plan. 

Concerns also vary by generation with medical expenses not covered by insurance being at the top of the list for Silent and Boomer generations.  Also living longer than expected and out living their money is a greater concern for older generations.  Lack of personal savings and the uncertainty of social security are greater concerns for the majority of Gen X and Y.

Boomers and Generation X want straight forward advice, sample plans and goal based planning.  Younger generations want their advisor to help them make money while the older Boomers and silent generations are more likely to talk about investments or finance.