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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Adopt a Tax Efficient Investment Strategy

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.

Adopt a Tax Efficient Investment Strategy

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.

Adopt a Tax Efficient Investment Strategy

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

Advantages of a SEP IRA

Explains the advantages of a Simplified Employee Pension (SEP) IRA Plan for small-business employees and self-employed individuals.

Adopt a Tax Efficient Investment Strategy

Advantages of a SIMPLE IRA

Outlines the advantages of a Savings Incentive Match Plan for Employees (SIMPLE) IRA, including payroll deduction feature, tax benefits, and administrative ease.

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.

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.

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.

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.

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.

Social Security Retirement Benefits: What Are They Really Worth?

Social Security Retirement Benefits: What Are They Really Worth?

Most Americans pay Social Security taxes throughout their working lives, begin receiving payments when they retire, and expect those benefits to continue until they die. But few give thought to what those benefits are truly worth, or what it takes to produce an equivalent amount of income, or more, that is guaranteed for life.

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

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 presentation to guide clients on options to cover medical expenses. Covers topics to help gain insight into health care costs, look into what Medicare covers, and outlines a 4-step process for creating a health care plan.

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.

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.

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 Will You Get Paid After You Retire?

How Will You Get Paid After You Retire?

How will you pay your bills, avoid financial worries, and enjoy a retirement that may last 30 years or more?

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.

What Franklin Templeton Thinks ... About Volatility

What Franklin Templeton Thinks ... About Volatility

Franklin Templeton's senior investment leaders comment on a return to historical volatility, the chances of a "hard" Brexit rise, and the long and short of rates and inflation.

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.

Why Diversification Matters

Why Diversification Matters

This document contains annual returns of key indices from 1999-2018.

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

2019 IRA and 401(k) Limits

The Internal Revenue Service's (IRS) retirement plan contribution limits for the 2019 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.

Saving for a 30-Year Retirement

Saving for a 30-Year Retirement

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.

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.

GenLink Overview

GenLink Overview

Advisors who create experiences that better relate to each of the generations have the opportunity to cement a loyal client base and capture assets in motion. Find out why understanding generational differences makes a difference and how Ivy Investments GenLink can help you.

Tax Reform Aftermath

Tax Reform Aftermath

Since Congress passed the sweeping Tax Cuts and Jobs Act (the "Act") at the end of 2017, the IRS has issued substantial guidance interpreting portions of the Act. Much of this guidance favors investors by softening limitations and disallowances that the Act imposes. This paper updates (Andrew H. Friedman's and Jeffrey B. Bush's) paper of a year ago, Tax Reform Accomplished: How Does the Legislation Affect Investors and Businesses? The update is intended to help investors apply the new guidance as they file their 2018 returns in April and begin their tax planning for 2019.

A Laid-back Summer in Washington

A Laid-back Summer in Washington? What to Watch for.

Summer is a time to kick back and put the year's bustle on hold. But summer inactivity doesn't bode well in Washington when there are deadlines to meet and matters to address. As the summer commences, two percolating issues—namely, the federal debt limit and tariffs and trade agreements—should hold investors' attention.

Of Tariffs and Treaties

Of Tariffs and Treaties

For almost a year and a half, President Trump's tariff initiative has confused and roiled the markets. This article examines why markets have been volatile and makes some predictions about future market reactions.

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 Freedom Variable Annuity video

LiveWell Freedom Variable Annuity Video

The LiveWell® Freedom Variable Annuity, issued by Midland National Life Insurance Company, helps address 3 stages of retirement—accumulation, income, and access. Watch the LiveWell Freedom 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 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 the Fixed index Annuity 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 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 Institutional Group, Inc. are wholly owned subsidiaries of Sammons® Financial Group, Inc. Sammons Retirement Solutions® and Midland Retirement Distributors are 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® 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, NOT A DEPOSIT OF A BANK, NOT BANK/CU GUARANTEED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.

FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.
19968R REV 11-19