Value-add materials

Thanks to our partnership with 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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It's not what you make, it's what you keep

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.

Diversified Variable Investment Solutions

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.

Harnessing Stress for a Happier Retirement

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.

Modern Prospecting

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.

Which Type of IRA is Right for Your Business?

Which Type of IRA is Right for Your Business?

Compares SEP IRA plans with SIMPLE IRA plans, explaining factors such as corporate eligibility rules, coverage requirements, contribution limits and other specifications.

Retirement Account Quick Reference Guide

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.

Adopt a Tax Efficient Investment Strategy

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.

Taking Advantage of Tax-Deferred Investment Options

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.

Tax-Advantaged Retirement Savings

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.

Social Security Investor Presentation

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.

Long-Term Perspective on Markets and Economies

Long-Term Perspective on Markets and Economies

This is a mid-year outlook on the global economy provided by American Funds.

Life's Big Moments

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.

Seven Things You Need to Do in the Decade Before You Retire

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.

Planning for What's Next: Approaching Retirement

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.

Mastering First Impressions

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.

The Psychology of Referrals

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.

The Hidden Costs of Aging

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.

The Importance of Behavioral Guidance

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.

Client Discovery: Asking the Right Questions

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.

Understanding Inflation

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.

The Value of a Financial Professional

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.

Year-End Planning Strategies Checklist

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.

Income for the Retirement Years: The Role of Annuities

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.

Planning for Health Care in Retirement

Planning for Health Care in Retirement

An investor presentation to help plan for health care and medical expenses in retirement.

How to Tame Health Care Costs When You Retire

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.

How to Handle Market Declines

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.

Investing against the tide

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.

4 Ways to Stay Calm When Markets Stumble

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.

History Favors a Return to the Mean

History Favors a Return to the Mean

Demonstrates how history favors a return to the mean with this chart showing calendar-year returns for the S&P 500 Index.

The Real Cost of Volatility

The Real Cost of Volatility

This piece graphically shows the gain needed to return to original value after a loss.

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.

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.

Fund Objectives for Mutual Fund and Annuity Portfolio Offerings

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.

Why Diversification Matters

Why Diversification Matters

This document contains annual returns of key indices from the last 20 years.

Morningstar Model Reallocation Memo

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.

Capital Group | American Funds Insurance Services

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.

2021 IRA and 401(k) Limits

IRA and 401(k) Limits

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

The Rewards of Long-Term Investing

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.

What a Difference a Year Makes

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.

Preparing for the Future: Your Records and Roles Organizer

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.

Mastering Your On-Camera Presence

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.

The Intergenerational Divide: Don't Let Your Book Die With Your Clients

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.

Beneficiary Audit Worksheet

Beneficiary Audit Worksheet

Use this form to capture relevant information for each account or policy and each individual beneficiary.

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.

Mastering the Client Review

Mastering the Client Review

Ideas to help take client reviews to the next level and expand existing client relationships.

Get to Know Smart Charts

Get to Know Smart Charts

Smart Charts provides you with an extensive library of economic and market data, trends, and statistics, in easy-to-read charts and graphs.

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.

Capital Market Assumptions

Capital Market Assumptions

Capital Market Assumptions from Invesco's Solutions team

Leveraging Your Technology Resources

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.

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 potential loss of investment. You and your client 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 or your client can visit srslivewell.com/prospectus or call 866-747-3421 to obtain a current prospectus for the mutual fund or the variable annuity and its underlying investment options. Inform investors to carefully read the prospectus before investing.

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 option 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® is a division of Sammons Institutional 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® Preferred 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.

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FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.
19968R REV 09-22