"Creative ideas for client gifts from advisors?"

There are no generic gift ideas; personalize the gift for the client.

When your client first starts working with you or comes in for their annual review, take a picture of them with their spouse or whatever family member is with them. On their birthday, send it to them in a frame. Just use your smart phone; nothing fancy.

Look back at your notes and figure out what their hobbies are. Send them something related to one of them.

If they are a business owner, call their office and ask someone who works there what their favorite hobby is. Send them a book about that topic.

Take the time to write a note from the heart.

It's not about the gift, make it about THEM. I'd rather have you send out three custom gifts that are highly focused on the client's life rather than some useless monogrammed water bottle that they'll use once a toss.

• Produce $2,500 in total revenue every week. 

• Pro-tip: one 'Bread-and-Butter' client should do it.

• Securities commissions range from 40% to 75% (45-50-55-60-65-70-71-72-73-74-75).
• Your securities level applies to all forms of securities: upfront, trails, PACs, fee-based etc. You don't have to qualify separately for broker/dealer and Advisory.
• 100% pass-through revenue from the product-provider with no haircuts. 
• Life insurance commissions range from 50% to 90%. 
• Our guidelines are based on personal revenue over a rolling 12-month time-frame.
• Ratcheted promotions. Your commission level can go up, but never down. We don't have quotas nor minimums (no “bonuses” either, which are a form of quota).
• Once you attain a higher level, all of your revenue is paid at the new level. Meaning, if you go from 50% to 55% then the trails and new money added to old accounts gets paid at 55%.
• No office nor full-time requirements for any levels (including 70% and above).

If both parents have passed, can a living trust help the adult children avoid paying many of the parents' debts?

1. Yes

2. No

Answer = 1, Yes