Sammons Retirement Solutions

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Check out consumer-focused financial planning calculators and share them with your clients.

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6 simple memory aids, tools, and strategies

How to stay mentally fit as you age

Everyone faces different degrees of memory loss as they age. Learn 6 strategies to help improve memory, no matter what stage of aging you're in.

7 great travel tips to keep your identity

How to prevent identity theft when you're away from home

Whether you're hitting the open road or flying overseas, travelers who've logged the most miles have a few routines that help keep them safe while they're away from home. Read more about a few habits worth developing when making plans to get away.

Aging gracefully

Ways to stay active and get better as you age

Learn more about four key areas that affect how you age, plus practical tips for navigating through different phases of aging.

Can loneliness affect your physical and mental health?

What lack of connection can mean to your health

Several significant studies have looked into loneliness and social isolation and each reports a similar conclusion: loneliness can impact your physical and mental health. Learn more about these health risks and how you can take care of yourself and those you love.

Caregiving in retirement

From providing care to receiving care

Learn more about options for caregiving, whether you need to provide care, receive care, or prepare for long-term care.

How to recognize (and avoid) common phone scams

Create a plan for dealing with fraud

Older adults lose billions of dollars each year to financial exploitation and fraud. Learn about three scams that are often reported and what to do to avoid becoming a victim.

Keeping a healthy mind and body in retirement

Understanding integrative healthcare and the options available

A look at options to coordinate natural healthcare and mind-body healthcare approaches with mainstream healthcare options.

Pets in retirement

Using pets to combat struggles

Read more about how pets can boost your activity level and your morale—plus ways to get the benefits without actually owning a pet.

Taking control of your legal life

Essential legal documents everyone needs

Individual situations can make it difficult to pinpoint exactly which legal documents you need. However, most legal professionals agree planning for different possibilities can save time, effort, and stress. Learn more about what to look into with your legal and financial professionals.

Tips to improve communication with your healthcare provider

How to talk with your doctor for better results

Effective communication with your doctor can create better outcomes and increase patient satisfaction. Read more about how to prepare for doctors' visits and how to keep communication open.

Side hustles at—and after—retirement

Earn extra money while having fun

Whether you're close to, just starting, or deep into retirement, finding a side hustle can mean some quick extra cash or a way to have fun and enjoy the challenge of "what could happen if...". Whatever your reason, here are a few ideas for taking on a side gig and generating some extra money.

Retirement planning calculators

72(t) Calculator

The IRS Rule 72(t) allows for penalty-free, early withdrawals from retirement accounts. Use this calculator to determine your allowable 72(t) distribution and how it can help fund your early retirement.

Required Minimum Distribution (RMD)

Use this calculator to determine your Required Minimum Distributions (RMD) as an account owner of a retirement account. This financial calculator will also look at potential future years' distribution requirements.

RMD & Stretch IRA Calculator

Use this calculator to help determine how you can stretch out your retirement plan distributions for as long as possible.

Retirement Income Calculator

Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.

Retirement Shortfall Calculator

Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.

How long will my retirement savings last?

Use this calculator to see how long your retirement savings will last based on your retirement savings and your inflation-adjusted withdrawals.

Retirement Planner Calculator

Quickly determine if your retirement plan is on track—and learn how to keep it there.

Roth IRA vs. Traditional IRA Calculator

Use this calculator to determine which IRA may be right for you.

Traditional IRA Calculator

How can contributing to a regular IRA help you in your retirement?

Future Value Calculator

Use this calculator to determine the future value of an investment, which can include an initial deposit and a stream of periodic deposits.

Present Value Calculator

Use this calculator to determine the present value of a known final future value plus a stream of deposits.

Internal Rate of Return (IRR) Calculator

Use this calculator to determine an Internal Rate of Return (IRR). It calculates the IRR on an annual basis of an irregular stream of up to 20 payments and withdrawals.

Investment Goal Calculator

Use this calculator to see if your investment plan is on track to meet your investment goals—and receive suggestions on how to change it if you are falling short.

Taxable vs. Tax-Deferred Investments

This calculator is designed to help compare a normal taxable investment vs. a tax-deferred investment.

Taxable vs. Tax-Deferred vs. Tax-Free Investment

This calculator is designed to help compare a normal taxable investment, a tax-deferred investment and tax-free investment.

Compare Investment Fees

Even a small difference in the fees you pay on your investments can add up over time. Use this calculator to see how different fees impact your investment strategy.

Lump Sum Annual Return Calculator

Use this calculator to see if your investment plan is on track to meet your investment goals—and receive suggestions on how to change it if you are falling short.

Annual Rate of Return Calculator

Use this calculator to determine the annual return of a known initial amount, a stream of deposits, plus a known final future value.

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Annuities in today's changing environment and the new Fidelity Multifactor Yield Index 5% ER

Rhonda Elming, senior vice president of annuity product development for Sammons Financial, gives a general market overview, explains its impact on annuities, and discusses the importance of volatility control Indexes.

Plus, Karl Desmond, director of investment products with Fidelity Investments, discusses how factor-based indexes could provide downside protection and gives an introduction to the new Fidelity Multifactor Yield Index 5% ER available through Sammons Retirement Solutions®.

Washington's COVID-19 economic stimulus and what it means for your clients

Jeff Bush, from The Washington Update, helps translate the difficult and oftentimes confusing information coming out of Washington, D.C., regarding COVID-19, economic stimulation, policy response, and potential impacts on the 2020 presidential election.

Navigating a best interest landscape; Reg BI, NAIC, and state standards

In this webinar, Bill Lowe, president of Sammons Institutional Group®, Inc., presents helpful and timely information regarding principles of Best Interest Standards and digs deeper into the "care obligation" and what it means for financial professionals.

Additionally, this webinar discusses how Sammons Retirement Solutions' LiveWell® Mutual Fund IRA aligns with the necessary best interest considerations.

Making sense of the news coming from Washington

During this webinar, Seth Harris, former acting labor secretary and D.C. insider, provides insights into the current landscape in Washington, D.C., and how various political and regulatory scenarios could impact financial professionals. You might be familiar with Seth from his frequent spots on CNN, MSNBC, PBS, and NBC. Hear him talk about the 2020 election, new initiatives in Congress impacting our business, and his predictions on where we are headed.

It's not just what you say, but how you say it

Jimmy P., from Impact Speakers, presents his upbeat, interactive seminar focused not only on planning what you say, but how you say it. Plus, gather helpful tips, tricks, and tools you can use immediately with your clients.

Fidelity talks behavioral finance

During this webinar, Fidelity Investments dives into what makes people tick when it comes to money. Behavioral finance sounds complicated, but you'll be amazed at the simple reasons why people make certain money decisions. Listen to this recording to help you understand clients and prospects better, making you more effective at meeting their needs.

10 ways to make your website more effective

In Part One of our three-part webinar series with digital marketing experts Blue Compass, hear them discuss 10 ways to make websites more effective for reps and their audience.

How to better reach current and potential clients via social media

In Part Two of our three-part webinar series with digital marketing experts Blue Compass, hear them discuss how to better reach current and potential clients via social media.

Marketing in the age of social distancing

Marketing has changed given social distancing and the fear surrounding COVID-19. This may not just be for the short-term, so financial professionals need to be prepared to conduct marketing and build business moving forward. During this webinar, Red Zone Marketing discusses 10 proven ideas for marketing in the age of social distancing.

Educational articles

Top financial professional best practices

Read more about what the most successful people do differently every day and begin to consider how to implement these best practices into your business routines.

Providing a great client experience

Learn how financial professionals can take a step back and create a more strategic experience with their clients ... one that not only earns business but retains it.

Polishing your presentation skills

A formal presentation is often your first contact with a prospective client. Whether you're at a small lunch gathering or a standing-room-only event, read these tips to help you make an impression that's the start of a long, profitable relationship.

Generating referrals from current clients

Referrals are key to building your business. Ironically, while asking for the business is a basic sales skill, asking for referrals is often overlooked. Learn a few ways to make it easier.

How to improve the family financial meeting

Of all the services financial professionals provide clients, engaging the entire family in important financial conversations may be what clients remember as among the most important. Consider these things you can do prior to, during, and after the family meeting to help ensure success.

Effective questioning and sales skills

The premise is simple: If you want better answers, ask better questions. Cultivating curiosity can be a major asset that differentiates you from other financial professionals. Here are several questions to keep in mind when you have the opportunity to begin or further a conversation.

Effective annual reviews

An annual review is an important milestone in the financial professional/client relationship. As you develop your strategy for making these meetings efficient, consider if you're covering, at minimum, these four key areas.

Developing listening skills

Feeling listened to is the basis of trust—an important building block in any long-term relationship. But in a day when distractions are nearly everywhere, how do you improve your fundamental listening skills? Take a quick assessment of how well you're doing based on the following good listening habits.

Demonstrating your value

Demonstrating your value is key to retaining clients. But, beyond showing your value as a financial professional, what else matters to clients? Here's a review of top reasons clients may leave and how to demonstrate your value.

Connecting with the next generation

It may be time to reconsider the up-and-coming demographic, as great wealth transfers between Millennials and Baby Boomers may continue to become more common. Here are a few facts to keep in mind about those heirs—also known as Generation X and Millennials.

Articles and offers to help build your business

Key financial data

Read this article promoting and offering Sammons Retirement Solutions' Key Financial Data Card, a quick-reference piece for some of the most common tax numbers both reps and clients may need to know. This tool positions you as a resource for valued information and can help start conversations for other potential opportunities in the future.

ICE booklet

Creating client conversations has always been important. But in today's uncertain world, those client conversations have become an even higher priority. Learn about the ICE (In Case of Emergency) Booklet from Sammons Retirement Solutions and why it's proving so powerful for many financial professionals.


It's not usually a good thing to go just halfway. When it comes to remembering your clients' birthdays, avoid the common mistake of only acknowledging their birthday each year. Learn about the power of celebrating their half-birthdays as well! Find out how to order your half-birthday cards from Sammons Retirement Solutions to implement this communication strategy at your firm.

Check out additional value-add materials from our fund partners and industry thought leaders.

You must be a Registered Representative and your Broker/Dealer must have an agreement with Sammons Financial Network®, LLC. in order to receive materials.

As independent financial professionals, it is up to you to choose whether any of the sales concepts contained in these materials might be appropriate for use with your particular sales strategy and clients. Please note that Sammons Retirement Solutions® does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations if appropriate for the particular client and circumstances.

Securities distributed by Sammons Financial Network®, LLC., member FINRA. Insurance products are issued by Midland National® Life Insurance Company (West Des Moines, IA). Sammons Institutional Group®, Inc. provides administrative services. Sammons Financial Network®, LLC., Midland National® Life Insurance Company and Sammons Institutional Group®, Inc., are wholly owned subsidiaries of Sammons® Financial Group, Inc. Sammons Retirement Solutions® and Midland Retirement Distributors® are marketing divisions of Sammons Institutional Group®, Inc.


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