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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Which Type of IRA is Right for You?

Which Type of IRA is Right for You?

Compares the strengths and limitations of a Traditional IRA versus a Roth IRA, including information about deductions and contribution limits.

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 Account Quick 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.

Tax Deferral Essentials

Tax Deferral Essentials

Learn more about minimizing tax bills by better understanding compounding's role in taxation, the variable ways investment income is taxed, and the products that feature tax deferral as an option.

Mapping the Tax Deferral Landscape

Mapping the Tax Deferral Landscape

When choosing investments for placement within tax-deferred accounts, it may make sense to pick those subject to the highest tax rates. Such investments include those that generate taxable income, that may be taxed at higher rates, or mutual fund strategies that generate more annual tax liability. Thoughtfully allocating assets that do and don't benefit from tax deferral helps to fine-tune an investor's overall strategy.

Pass-Through Taxation of Mutual Funds

Pass-Through Taxation of Mutual Funds

Investors need to understand the tax consequences of investing in mutual funds when developing a comprehensive investment strategy. Investors can gravitate toward funds with a lower expected tax burden, but this creates fundamental limitations, particularly within certain sectors and actively managed strategies.

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.

Understanding Social Security

Understanding Social Security

Factors to consider when claiming benefits including full retirement age, when to take Social Security, and opportunities to maximize benefits.

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.

Developing an Effective Income Strategy

Developing an Effective Income Strategy

An investor presentation covering a three-pronged approach to constructing portfolios: practical, emotional, and mathematical.

Planning for Health Care in Retirement

Planning for Health Care in Retirement

A worksheet for clients to complete with financial professionals to help with retirement income planning. Financial professionals can help identify the required dollar amounts and percentages. Be sure to consider the client's personal situation, including age, risk tolerance, and investing style, when deciding on an appropriate rate.

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.

Income for What's Next

Income for What's Next

Use this worksheet to match your estimates for different sources of retirement income with different types of retirement expenses.

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 from 1926-2018.

Time to Recharge the Dividend

Time to Recharge the Dividend

Franklin Income Fund has a long track record of paying uninterrupted dividends by investing in a flexible portfolio of bonds and dividend-paying stocks.

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.

Keys to Prevailing Through Stock Market Declines

Balancing Opportunity, Volatility, and Perspective

An investor's guide to balancing opportunity, volatility, and perspective.

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 1999-2018.

Opportunity Knocks: How advisers can capitalize on growing ESG interest

Opportunity Knocks: How advisers can capitalize on growing ESG interest

As interest in Environmental, Social and Governance investing grows, so too has the business opportunity for financial professionals. The window to seize it remains wide open.

In the third annual Calvert/InvestmentNews Research study on socially conscious investing, perhaps the biggest finding is that the market for ESG investors is still up for grabs. Financial professionals who ignore this market segment are overlooking a substantial growth driver.

20169K

LiveWell® Mutual Fund IRA Model Performance

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

20169K

LiveWell® Variable Annuity Model Performance

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

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.

Lord Abbett website

Lord Abbett Resources

The Lord Abbett Website

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.

2019 IRA and 401(k) Limits

2020 IRA and 401(k) Limits

The Internal Revenue Service's (IRS) retirement plan contribution limits for the 2020 tax year.

The Rewards of Long-Term Investing

What Franklin Templeton Thinks

Franklin Templeton Investments comprises multiple independent investment teams located around the world. As individual portfolio managers and teams pursue different fund mandates, there will always be different views held on the markets, and Franklin Templeton considers that a strength. The insights expressed within this paper represent the current views of senior investment leaders and are subject to change.

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.

Invesco Investment Solutions

Invesco Investment Solutions

A presentation highlighting the Invesco Investment Solutions investment process and the value-add solutions they can offer.

Outcome-Based Investing

Outcome-Based Investing

An overview of the Outcome-Based Investing approach used by the Invesco Investment Solutions team, which was developed to help clients clearly evaluate their needs, plus goals and solutions to meet them.

Outcome-Based Investing Video

Outcome-Based Investing Video

A video that accompanies the Invesco Outcome-Based Investing guide and includes comments from leadership of the Invesco Solutions team.

Aging in America

Aging in America

Use this co-branded piece with clients to have a conversation about preparing for retirement.

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.

Your Records and Roles Organizer

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

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 the LiveWell Mutual Fund IRA video to learn about its features and benefits.

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 the LiveWell Plus Mutual Fund IRA video to learn more about its features and benefits.

LiveWell Variable Annuity video

LiveWell Variable Annuity Video

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

Fund companies listed above are not affiliated with Sammons Institutional GroupSM, 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.

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®┬áLife 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.

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 GroupSM, 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.
19968R REV 07-20