Hybrid CALM Memos
By: Roccy DeFrancesco, JD CAPP, CMP
roccy@thewpi.org or 269-216-9978 (direct)

Thank you for your interest in my hybrid CALM Memos. If you want to pick up more AUM and/or sell more FIAs, there is no better way than to use these memos.

To learn more about “full” CALM memos (where I cover asset protection, estate planning, life, annuities, AUM, LTC, and more), click here.

You can use my example memos and create them yourself or you can work with our IMO (surf this site to learn more) or our RIA Advisor Share Wealth Management (www.advisorsharewm.com) and our team will help you create them or if needed, create them for you.

To download each CALM hybrid memo, just click on the image below.

To download each CALM hybrid memo, just click on the image below.

Memo 1 (mini-memo)
Memo 2 (garden variety)
Memo 3 (includes content on intergenerational planning using IUL)
Memo 4 (includes a section going over purely tactical strategies)