This is 4.5% on your 50% setter split of the premium (the annuity value divided by two). Actual commission depends on the product, the client's age, and your comp level. Use this as a ballpark, not a guarantee.
| Prospect | State | Income | Quality | Submitted | Status |
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The retirement income planner will run the call at the time you booked. You're done.
Choose who the prospect should meet with. Each advisor has their own Calendly.
You are already finding the money. Here is how to start. Watch one training nugget, then set one appointment. That is the whole game.
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Scripts, the live training, the people who run your calls.
Pick your lane. One shelf at a time, and everything is one tap away.
Learn how the close works. You start closing your own when William says you're ready.
Straight from the Wednesday calls. Open a section for the words; every script has a copy button.
Every deal William closed this fall came from a mortgage protection agent or a client referral. Until someone finds the money, it does not exist to anyone. That is not the junior role.
Saying you are not the expert is not weakness. It is the reason they trust you. Think of a friend who loves your new tile: you send him to your tile guy. You did him a favor and you lost nothing.
Never ask about money cold. Give the reason first ("I want to make sure I don't overinsure you"), then ask. With a reason it sounds thorough. Without one it sounds like a sales question.
Ask questions they do not have an answer to. Once you hear "I don't really know," you have permission to ask the harder question and it will not feel salesy. Pain questions without the gap feel like being sold.
One question. Then pause. The more they think, the more they listen to what you say next. Never answer your own question.
Say what it does: "a self-funded pension plan," "income you can't outlive." Talk benefits, never features. Never hype the product. Hype the person you are setting them with.
Use real events (2008, 2020) as questions. Do not predict a crash, do not tell them their retirement is going to be bad, and never promise growth.
William's line on all of it: "You never guarantee growth. You guarantee income." And on a setting call you never promise a number, a rate or an outcome. That is the specialist's call, in writing.
Three moves, asked early, inside the mortgage protection inventory you are already doing. Then go right back to the mortgage sale.
Take the number and move on. "That is awesome, you worked hard for that." Then keep selling the mortgage. The retirement conversation comes later in the same call.
Ask it confidently, the way you ask about work coverage. It also tells you if they have work life insurance, so you can handle that before it comes up.
Ballpark is all you need. If they hedge, the seed is planted and the specialist gets the number on the call.
The easiest way to uncover an old account. It is just small talk, so nothing goes up.
Keyword: unmanaged. Nobody likes the idea of their money drifting with nobody watching it.
When they mention a 401(k), ask why it has not moved yet. If they ask what you mean, give them the buckets and pause between each one.
Works mid-inventory, after they tell you why they want the mortgage paid off.
Use the trust to uncover the money. Do not set it as a trust appointment: "Don't just be like, he's going to help you out with the trust." The appointment is still the retirement call.
This is the line that turns a mortgage protection call into a retirement conversation without a pitch. You are not predicting anything. You are asking a question most people have never been asked.
Assume they want to retire. Use extremes.
Ask it plainly. Then stop.
If they say "I don't know," that is the gap. Hit it back gently: "You don't know? Has anybody ever walked you through that?"
They say "down." Then: "If there were a way to have an income that lasts as long as you do, like a pension, would that give you more certainty in retirement?" Then go to the handoff.
If they ask whether elections cause crashes: "Not that I know of. 2008 was the financial crisis and 2020 was Covid. The point is nobody gets to pick the year."
"Questions that build uncertainty, not pain." Once they realize they do not know the answer, they get curious, and curious people start asking you the pain questions themselves.
The scariest part of retirement is the spending side. Nobody taught them how to pay themselves.
Go as deep as they let you. Ask one, wait, ask the next.
William's trick: ask broad retirement questions at the top, and always land the bottom of the funnel back on the mortgage. They never feel steered, and you build the need for both.
You are setting a 10 to 15 minute discovery call with the retirement side, Pinnacle Wealth Group. Say what the call is, not what the product is.
Mention the retirement team in your expectations, then go straight back to the mortgage. You are telling them, not asking them.
William says "I talked to my manager" because, for his own team, he did. Only say you talked to someone if you did.
People need something they can picture. A pension is something everyone understands.
If they want details now: "We don't need to get into that right now. Just remind me at the end of the call." Then go back to the mortgage.
"Nobody wants to be sold, nobody wants to be convinced." Positive adjectives create sales resistance before the specialist says a word.
Hype the person, never the product. "He does this all day" is fine. "You have to do this, it's so good" makes it sound too good to be true before he presents anything.
"When are you free?" gets "I'll let you know."
Your appointment form now books the specialist's calendar itself. Pick the day and time at the bottom, then hit Book & submit. It books under exactly the name, email and phone you typed, so type them carefully.
Detailed notes are what get a file worked first. William has started calls without the spouse's name and with a balance that was off by about half. Tell them: "I'll pass along what you told me so you don't have to repeat it."
The portal emails them for you. Your job: one text, then the Rebook button on the file. No chasing, no "just checking in."
Submit an appointment →On a setting call, an objection usually means you skipped the gap. Answer it short, then book. Do not sell the product to get past it.
If you are setting for someone else, do not argue the advisor. Stay broad: ask about the distribution plan. Half the time they do not know it.
Then go back to the mortgage. You asked once. That is enough.
Never dodge it or say you are not sure what it is. Answer honestly, then hand it off.
Do not answer liquidity yourself. Every product has rules on access; the specialist shows them.
"House answer" means William has not said this one word for word on a recorded call. It is the honest version of his rule: never dodge, never promise, hand it off. Everything else in this section is his, from the training calls.
Picture someone in your own family, 55 to 75, thirty years of savings, scared of watching it get cut in half again. If you would not mind them sitting down for 15 minutes to look at this, there is no reason to feel weird setting it for a stranger.
A self-funded pension. A lump sum becomes a paycheck for one or two lifetimes.
In a fixed indexed contract, a market drop does not lower the account through the index; that year just credits zero. Up years earn part of the gain, up to a limit. Fees for added features and early withdrawals can still reduce it.
A death benefit that can go to the spouse or kids outside probate.
This is how the specialist builds trust on his calls. Know it so you never oversell it.
Never guarantee growth. Guarantee income. And on your call, the word "annuity" stays in your head, not in your mouth, unless they say it first.
You do not need new leads. Every deal William closed this fall came from a mortgage protection agent or a referral. Start with the call you are already on.
Mortgage protection and life clients. Find the money in the inventory, open the door with 2028, hand it off. Free, and it is most of the business.
A client's parents, a sibling, an agent on another team. And the people you already wrote.
Now you are back in the inventory. Run Find the money, then the 2028 question.
You can say the word here, because they said it first.
Put the carrier, the year and any surrender charge in the notes. Replacing a contract has rules; that is the specialist's call.
No scrolling, no theory. Five moves, in order.
Under 59½A current employer's plan usually can't move. An old job's plan, an IRA or cash can. Ask about the old job.
Ask here. Every question makes Wednesday's training better.
Your agents' appointments with Set More Annuities. Names and statuses only; client details stay with the advisor.
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Name, email, phone. Tap to call or email.
Update your details. These show up on every appointment you submit.
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| Agent | Registered | Last Login | Submissions | Closed | Close Rate | Total Premium | Total Commission | Contract | Status |
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Birthday notes on the day, holiday notes, and the yearly statement note from the 10th of each client's statement month. Nothing here sends while the switch is off.
A note you approve goes to every eligible client over the 18 days after its send date. Same copy rules as the drip.
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Adds no-shows and reschedules that have gone quiet for 14+ days, plus everyone in nurture or lost. Anyone with a live appointment, an active call, or a closed deal is skipped. Disqualified people come in held for your review.
For a referral or someone you talked to who never booked.
Needs an email column. First name, last name, phone and state are picked up if present. Duplicates, your agents, opted-out people and bad addresses are skipped automatically. Check first, then import.
| When | What | Who | Detail |
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When a client misses a call with you and the file is marked No-show, email 1 goes out right away and 4 more follow over 14 days. They stop the moment the client rebooks, becomes a client or starts talking with you, or if you move the file to nurture. After the last one, the client goes back on the 2028 drip.
The drip only emails people who live in a state on this list. Everyone else waits under Held with the reason spelled out. Add a state here and the people waiting there start getting emails on their own. Use 2-letter codes separated by commas, or type ALL to email people in every state (including people with no state on file).
The new Pinnacle sending domain earns trust slowly. Start around 25 a day and raise it a little each week if bounces stay low.
Weekdays only, inside each person's own time zone, and only to people in your licensed states. Stops by itself the moment someone books, replies, unsubscribes or bounces. Anyone who books with you or is working with an advisor is skipped before every send. If bounces pass 5% or spam complaints pass 0.3% in a week, it switches itself off and emails you.
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↑ tap "Snap stats" then take a screenshot to share, clean numbers, no commission splits or comp rates exposed.
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Trainings are recorded. The Wednesday live training and other SMA calls are recorded, and we publish replays and clips that can include you, your name, and your questions. If you would rather be left out of future clips, email william@cgreserves.com.
Training content is licensed to you. Replays, clips, recaps, and scripts are for your own use. No copying, posting, or sharing. Streams are watermarked.
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Every agent on Set More Annuities needs their National Producer Number on file. Numbers only, up to 10 digits.
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