Sammons Retirement Solutions
 
Sammons Retirement Solutions

VALUE-ADD MATERIALS

Thanks to our partnership with 25+ fund families, Sammons Retirement Solutions is able to offer you access to a wide variety of value-add materials. Download materials using the links below.

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Making The Roth Conversion Decision

Making The Roth Conversion Decision

Taxes may impact retirement goals—especially as tax rates on income, dividends, and long-term capital gains may continue to increase. This worksheet and question guide can help discover if a Roth conversion is appropriate.

Using Roth as a Tax Smart Strategy

Tax-Wise

Long-term investors have long valued the impact tax deferral can have on their portfolios. For high earners, these benefits can be substantial. Taking advantage of the full range of tax-deferred investment options available can be critical, and sometimes it's the simplest strategy that has the most impact.

Investment-Focused Variable Annuities

Investment-Focused Variable Annuities

Traditional variable annuities (VAs) have long served as a tax-smart retirement savings option. In today's market environment, a renewed emphasis has been placed on Investment-Only Variable Annuities (IOVAs), which seek to keep costs low while harnessing the power of tax deferral.

Tax-Deferred Investing

Tax-Deferred Investing: Impact of the 2018 Tax Act

The 2018 Tax Cuts and Jobs Act generally reduced tax rates and tax burdens for many Americans. This tax law resulted in one of the most significant changes in taxes and tax rates in decades. This one-page resource reviews the power of tax deferral along with some of the major items impacting individuals beginning in 2018.

Social Security Workbook

Social Security Workbook

This is a general overview of certain rules related to Social Security and includes a workbook for clients to work through with their financial professionals as they determine their Social Security strategy.

Time for Balance and Flexibility

Time for Balance and Flexibility

This is an annual outlook on the global economy provided by American Funds

Savings and Income for a Lifetime

Savings and Income for a Lifetime

With average life expectancy on the rise, generating enough income to live comfortably for an extended period of time has become a complex undertaking. The volatility in the stock market and falling interest rates have left many people unable to meet their investment goals. Meeting income requirements throughout a lengthy retirement may require looking beyond traditional short-term and fixed-income assets and considering equities, global investments, and specific strategies such as product allocation to broaden income sources and match those income sources to expenses.

Stay the Course

Stay the Course

While short-term volatility is never comfortable, investors focusing on their long-term goals should not fear rising rates. This piece contains four reasons why.

Worried About Inflation

Worried About Inflation

Many investors cite inflation as one of their primary worries. Over time, inflation will erode purchasing power if the return earned is less than the inflation rate.

Why Diversification Matters

Why Diversification Matters

This document contains annual returns of key indices from 1995-2014.

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LiveWell® Mutual Fund IRA Model Performance

This document contains model performance information for the LiveWell Mutual Fund IRA.

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LiveWell® Variable Annuity Model Performance

This document contains model performance information for the LiveWell Variable Annuity.

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Morningstar Model Reallocation Memo

Morningstar associates updated the LiveWell® portfolios offered on the Sammons Retirement Solutions platform to reflect the results of the most recent financial and economic research. This memo outlines the changes in outlook and updates made to both the target risk and income portfolios, including the mutual-fund-only versions and the variable portfolio.

Lord Abbett website

Lord Abbett Resources

The Lord Abbett Website

Capital Group | American Funds Insurance Services

American Funds Insurance Services

Since 1931, American Funds, part of the Capital Group, has helped investors pursue long-term investment success. Our consistent approach—in combination with The Capital System—has resulted in a superior long-term track record for American Funds Insurance Series (AFIS).

Covered Call Strategy Fund

Covered Call Strategy Fund

The First Investors Covered Call Strategy Fund offers a core equity solution with the additional benefit of income from writing covered calls on the Fund's holdings that aims to provide smoother, more consistent returns.

Top 10 Reasons for Financial Advisors to Use LinkedIn

Top 10 Reasons for Financial Advisors to Use LinkedIn

With a business fueled by networking, financial professionals are integrating LinkedIn as a core element of their marketing efforts. Contributing to this preference are unique features and tools that effectively complement and amplify financial professionals' traditional efforts to grow their book of business.

Leveraging Your Technology Resources

Leveraging Your Technology Resources

How technology can help you become more efficient and better connected to meet heightened client expectations.

2018 IRA and 401(k) Limits

2018 IRA and 401(k) Limits

The Internal Revenue Service's (IRS) retirement plan contribution limits for the 2018 tax year.

Long Term Investing Has Had Rewards

Long-Term Investing Has Had Rewards

The odds have favored the investor who takes a long-term approach. This piece helps demonstrate why it can pay to stay invested.

What A Different A Year Makes

What A Different A Year Makes

This one-page sheet contains several charts that help illustrate different investing concepts. The first chart show how long an investor's money would have lasted if they started retirement in any year since 1926. Additional charges show the age to which the portfolio may last based on withdrawal rate, inflation, and Social Security.

Long-Term Investors Can Weather Marketing Declines

Long-Term Investors Can Weather Market Declines

This chart shows the history of intrayear declines and annual price returns in the S&P 500 over the course of 70 years.

Keys to Prevailing Through Stock Market Declines

Keys to Prevailing Through Stock Market Declines

During periods of volatility in the stock market, many people may doubt their long-term investment strategy. This resource provides five tips to help avoid common pitfalls and stay on track toward achieving financial goals.

Organizing for the Future

Organizing for the Future

This workbook is designed to help you centralize the important information you need for your family and/or loved ones. It covers everything from finances to health care. This organizer could serve as a critical resource in the case of an emergency, major life event, illness, or death.

Beneficiary Audit Worksheet

Beneficiary Audit Worksheet

This document contains a beneficiary audit worksheet.

Learning from the Lessons of Time

Learning from the Lessons of Time

Staying focused despite the day-to-day distractions of the market is never easy, especially during periods of economic uncertainty. However, investors who seek the guidance of a trusted financial professional and remain committed to their investment plans—even when it's tempting to head to the sidelines—are better positioned to realize their short- and long-term goals.

Successful Investment Specialist Referrals

Successful Investment Specialist Referrals: Making the Most of Banking Relationships

Your clients have an unprecedented number of investment opportunities, and you are uniquely positioned to direct them to a reliable investment specialist within your firm who can help them determine which options are right for them. Each time you help one of your clients – with either a banking transaction or a request – is an opportunity.

LiveWell Mutual Fund IRA video

LiveWell® Mutual Fund IRA Video

The LiveWell Mutual Fund IRA makes it easy to build a retirement solution tailored to your risk tolerance and investment horizon. Watch this video to learn about the features and benefits of the LiveWell Mutual Fund IRA from Sammons Retirement Solutions.

LiveWell Plus Mutual Fund IRA video

LiveWell® Plus Mutual Fund IRA Video

If your client is at least six years from retirement, the LiveWell Plus Mutual Fund IRA makes it easy to build a retirement solution tailored to your client's risk tolerance and investment horizon. Watch this video to learn more about the LiveWell Plus Mutual Fund IRA from Sammons Retirement Solutions.

LiveWell Variable Annuity video

LiveWell® Variable Annuity Video

The LiveWell Variable Annuity makes it easy to build a retirement solution tailored to your client's risk tolerance and investment horizon. Watch this video to learn more about the LiveWell Variable Annuity from Sammons Retirement Solutions, issued by Midland National Life Insurance Company.

LiveWell Freedom Variable Annuity video

LiveWell® Freedom Variable Annuity Video

The LiveWell Freedom Variable Annuity issued by Midland National Life Insurance Company, helps provide income as early as the first stage of retirement with innovative features to help deliver more financial freedom later in retirement. Watch this video to learn more.

LiveWell Preferred Fixed Index Annuity video

LiveWell® Preferred Fixed Index Annuity Video

The LiveWell Preferred Fixed Index Annuity, issued by Midland National Life Insurance Company, provides all of the benefits of a fixed index annuity, plus options to provide income for life or legacy protection, depending on your clients' retirement goals. Watch this video to learn more.

LiveWell Fixed Index Annuity video

LiveWell® Fixed Index Annuity Video

The LiveWell Fixed Index Annuity, issued by Midland National Life Insurance Company, provides all of the benefits of a fixed index annuity, plus options to provide income for life or legacy protection, depending on your clients' retirement goals. Watch this video to learn more.

LiveWell Guarantee Annuity video

LiveWell® Guarantee Annuity Video

The LiveWell Guarantee Annuity, a Multi-Year Guaranteed Annuity issued by Midland National® Life Insurance Company, provides your clients with an option to lock in a fixed rate of return ... and the power to choose how long they want their money to grow. Watch this video to learn more.

Fund companies listed above are not affiliated with Sammons Institutional Group℠, Inc., Midland National® and Sammons Financial Network® LLC, member FINRA.

Investing in mutual funds and variable annuities involves risk, including the potential loss of investment. You should consider the investment objectives, risks, charges and expenses of the mutual fund or variable annuity and its underlying investment options carefully before investing. The prospectus and/or summary prospectus contain this and other information. You may contact your financial professional or call 866-747-3421 to obtain a current prospectus for the mutual fund or the variable annuity and its underlying investment options. Please read it carefully.

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 Retirement Solutions® (a division of Sammons Institutional Group) are wholly owned subsidiaries of Sammons® Financial Group, Inc.

Please click the links below to view important product-specific disclosures:
LiveWell® Mutual Fund IRA | LiveWell® Plus Mutual Fund IRA | LiveWell® Variable Annuity | LiveWell® Freedom Variable Annuity | LiveWell® Preferred Fixed Index Annuity | LiveWell® Fixed Index Annuity | LiveWell® Guarantee Annuity

Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. Morningstar Investment Management provides nondiscretionary consulting services to Sammons Institutional Group℠, Inc. (SIG) but is not acting in the capacity of adviser to individual investors. Morningstar Investment Management provides recommendations to SIG regarding asset allocation targets, for certain LiveWell® products/programs, which are subject to change without notice. Morningstar Investment Management establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Investment Management is not affiliated with SIG.

NOT FDIC/NCUA INSURED, MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.

FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.
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