Best Mix/Combo for Small Indy Life Agent

I was going to just add to some 'knee deep' threads and will continue to drill down on those but....for sake of newer opinions and possible options

Me:
Life guy who is okay selling inexpensive term as I prospect for larger fish for life/retirement solutions

I am overwhelmed with the multiple options for our industry for:
1) Client/agency management
2) Marketing - email, etc
3) Dialing software, lists, etc
4) integrate carrier pricing engine to website, etc

My goal is the most cost effective (cheap?) way to 'start up' with a coordinated, effective system or group of products to:
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