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Tax-deferred investing: Improving fixed income return potential without adding risk Fixed income investors are searching for ways to enhance return without adding incremental risk. A simple solution: take advantage of the compounding power of tax-deferred investing. |
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Variable Annuities: Pursue Retirement Income Using a Balanced Asset Allocation Maintaining a well-diversified portfolio is particularly important for variable annuity investors who intend to use their portfolios for income. The lower volatility of a balanced portfolio (compared to an all-stock portfolio) may help an investor's money last longer during the withdrawal phase of retirement. |
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SECURE 2.0 Act of 2022: A boost to retirement saving The SECURE 2.0 Act of 2022 builds on the improvements made by the Setting Every Community Up for Retirement Enhancement Act (SECURE Act) of 2019 with more than 90 changes affecting qualified retirement plans, IRAs, SIMPLEs, SEPs, ABLEs and 529 plans. Here are summaries of the key provisions related to qualified plans and SIMPLEs. |
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Understanding Social Security When should you take Social Security? What seems like a simple question may not have a simple answer. Taking benefits early may result in a substantial reduction in Social Security benefits over the years. Consider these factors when deciding if you can afford to wait. |
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It's not what you make, it's what you keep When it comes to choosing the right Fixed Index Annuity, absolute returns don't tell the whole story. The interest crediting strategy needs to be as big of the decision-making-process as how the underlying index is performing. |
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Diversified Variable Investment Solutions When developing investment strategies, we believe it's important to plan for market volatility. While market declines are generally followed by a recovery, it can take some time to make back what was lost during market swings. Retired investors, or those planning for retirement, are often most affected by market downturns due to lack of time. They may need alternative options that provide a combination of investment potential and income guarantees. |
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Harnessing Stress for a Happier Retirement A presentation on the science of stress, finding more positive stress in retirement, and tips to help mitigate negative stress. |
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Modern Prospecting How do you create the ultimate client experience? Prospecting of the future depends on focusing on customer journeys at specific touchpoints and measuring the client experience. |
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Retirement Plan Overview Reference Guide A guide comparing a Traditional IRA, Roth IRA, SEP, SIMPLE IRA, 403(b)(7), and 401(k). Includes information on taxable income and plan contribution limits. |
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Adopt a Tax Efficient Investment Strategy Tax laws have resulted in higher taxes for many. Now may be a good time to develop an investing strategy to help reduce your tax liability. |
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Taking Advantage of Tax-Deferred Investment Options 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. |
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Tax-Advantaged Retirement Savings 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. |
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Social Security Investor Presentation An investor presentation covering options to help investors maximize benefits. Covers topics on Social Security essentials, benefits and options, strategies to consider, and next steps. |
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Long-Term Perspective on Markets and Economies This is an outlook on the global economy provided by American Funds. |
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Life's Big Moments Life brings unpredictable challenges and opportunities. Your value to your clients is the wisdom, guidance, and advice you offer. That advice may start with managing their money and their investment portfolios. However, people are apt to be most concerned about their goals. It's life's big moments when investors seek financial advice from a trusted professional. |
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Seven Things You Need to Do in the Decade Before You Retire Retirement is approaching. Learn the seven things you need to do to help make sure you're ready for retirement. |
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Planning for What's Next: Approaching Retirement As retirement nears, you will want to continue planning for this next phase of life. Remain focused on saving for retirement while beginning to envision and organize how you plan to enjoy these future years. |
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Mastering First Impressions Lasting relationships often start with a positive first impression. The challenge is, there are many ways for people to gain insights about you, possibly without you even knowing. This presentation looks at first impressions from the client’s point of view and offers tips for making them favorable. |
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The Psychology of Referrals Referrals are often said to be the best compliment a financial professional could receive. The challenge is, being a great financial professional is merely the first step. This presentation looks at referrals with a behavioral science lens to understand what can motivate, or discourage, word-of-mouth recommendations from clients. |
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The Hidden Costs of Aging A financially secure retirement is the culmination of years of planning, work and savings. Most people are so focused on reaching retirement that they aren’t fully prepared for the age-related care and housing. This resource offers practical guidance on how those expenses can impact a financial plan for retirement. |
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The Importance of Behavioral Guidance Behavioral biases can influence how we process and interpret information, especially when markets are volatile. PIMCO highlights several common cognitive and emotional biases that can have a negative impact on how investors make financial decisions—as well as important tips to consider to help your clients keep their biases in check. |
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Client Discovery: Asking the Right Questions There are multiple stages in a relationship between financial professionals and their clients. Within each of these stages, there are many opportunities for advisors to communicate their value. It's often not the statements you make that impact clients most. Instead, it's the approach you take to building the relationship that has the greatest impact on clients—including the questions you ask and the interest you show. |
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Understanding Inflation Inflation affects all aspects of the economy, from consumer spending, business investment and employment rates to government programs, tax policies, and interest rates. Understanding inflation is crucial to investing, because inflation can reduce the value of investment returns. |
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The Value of a Financial Professional Some investors are surprised to learn that working with a financial professional is about more than just investments and an investment portfolio. A good financial partner can help you build a comprehensive financial plan and pursue your individual financial goals. |
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Year-End Planning Strategies Checklist It's important to consider a variety of your clients' planning needs. Use this list to review actionable strategies for clients, checking off topics as you go. |
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Income for the Retirement Years: The Role of Annuities Learn how annuities can play a valuable complementary role by hedging longevity risk, reducing market risk, and partially alleviating sequence of returns risk. |
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Planning for Health Care in Retirement An investor presentation to help plan for health care and medical expenses in retirement. |
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How to Tame Health Care Costs When You Retire This white paper covers the need for advance planning and how it may help lower costs. |
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How to Handle Market Declines Smart investing can overcome the power of emotion by focusing on relevant research, solid data and proven strategies. Here are seven principles that can help fight the urge to make emotional decisions in times of market turmoil. |
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Investing against the tide In November 1974, few people thought it was a good time to invest. The Dow had lost more than 40% from its high in January 1973. Jim Fullerton, former chairman of the Capital Group, however, offered some perspective by recalling an even darker period in our nation's history—April 1942. Read his remarks in this white paper. |
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4 Ways to Stay Calm When Markets Stumble Shock events such as the coronavirus outbreak and related stock market volatility can cause investors and 401(k) plan participants to act on their emotions. Putting a plan in place when markets turn south—and reviewing that plan when emotions are running high—can temper this impulse. The current market volatility gives investors, advisors and plan sponsors a golden opportunity to talk about what to do—or not do—if there is a sustained downturn. |
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The Real Cost of Volatility This piece graphically shows the gain needed to return to original value after a loss. |
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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. |
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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. |
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Fund Objectives for Mutual Fund and Annuity Portfolio Offerings In order to meet the needs of financial professionals and their clients, Sammons Retirement Solutions® works with a nationwide network of broker/dealers and banks to provide the proper selection of portfolio investment choices that are appropriate for a broad range of risk profiles. This is a summary of our investment methodology. |
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Why Diversification Matters This document contains annual returns of key indices from the last 20 years. |
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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. |
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Differentiating the American Funds Insurance Series Since 1931, Capital Group, home of American Funds, has helped investors pursue long-term investment success. Our consistent approach—in combination with The Capital System—has resulted in superior outcomes. |
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IRA and 401(k) Limits The Internal Revenue Service's (IRS) retirement plan contribution limits for this tax year. |
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The Rewards of Long-Term Investing The odds have favored the investor who takes a long-term approach. This piece helps demonstrate why it can pay to stay invested. |
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What a Difference a Year Makes The year in which an investor retires can make a difference in how long their money will last. Market performance, inflation rates, and declining Social Security benefits are only some factors to consider when planning for a 30-year retirement. |
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Preparing for the Future: Your Records and Roles Organizer This workbook is designed to help you centralize the important information you need for your family and/or loved ones. |
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Mastering Your On-Camera Presence The way you communicate with clients has probably evolved toward more video conferences. Use these tips to polish your on-camera appearance. |
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The Intergenerational Divide: Don't Let Your Book Die With Your Clients A brochure designed to provide you with new ideas and insights on connecting with the future generations of your most valued clients. |
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Beneficiary Audit Worksheet Use this form to capture relevant information for each account or policy and each individual beneficiary. |
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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. |
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Mastering the Client Review Ideas to help take client reviews to the next level and expand existing client relationships. |
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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. |
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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. |
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Capital Market Assumptions Capital Market Assumptions from Invesco's Solutions team |
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Leveraging Your Technology Resources When clients have high expectations for you as a financial professional, technology can be a great resource to help you remain efficient and connected. |
Check out additional business-building ideas, industry trends, and consumer-focused materials you could use to connect with your clients.