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Know your Own Mind: What Drives Investment Decisions Understand behavioral forces and biases influencing decision-making and how financial professionals can help rationalize decisions that can have long-term impacts. |
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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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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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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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Maximizing the value of you Social Security benefits Dive into the 'how' behind maximizing Social Security benefits. Explore situations that lead to receiving less, or more, in a monthly benefit to create the ideal situation for anyone. |
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Bonds Are Back An update on Bonds and the opportunities they provide in enhancing an annuity. Compare the history of Bonds to their current state, and how they can be an added asset. |
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Guide to Investing in an Election Year Elections can be divisive and unsettling. At times, the fate of the world seems to hang in the balance. But when it comes to investing, do elections really matter all that much? In this guide, we address top advisor questions about investing in an election year. |
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Social Security Reference Guide A quick reference guide to cover a wide range of Social Security topics. |
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MFS Social Security-Client Seminar This presentation is designed to walk through the ins and outs of Social Security. From how benefits are calculated to coming up with a plan, this presentation can help you be more knowledgeable. |
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The cost of timing the market Investing is about time in the market, not timing the market. Missing the 'top' days can be costly. This piece illustrates the effects of missing the days where the market has its biggest gains in terms of performance. |
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Why should I invest in the stock market now? Volatility may have some investors contemplating when they should pull out of the market or if they should sit on the sidelines and wait for the best time to invest. By waiting for the perfect time to start investing, you may be too late. |
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The battle between bulls and bears Bear markets may be brutal but bull markets have a tendency to charge back. These charts show how bear markets have historically been followed by a bull market. It's important to build a portfolio for both environments. |
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Investor's Guide to Market Volatility Wealth planning in a turbulent environment is challenging. It's difficult to see our retirement accounts dipping below the previous highs. It's important to stay the course by following the strategies in this presentation. |
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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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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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Managing Stress for Success A presentation on the strategies to prepare for, respond to, and evolve your experience with 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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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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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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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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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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The Intergenerational Divide: A Bridge to the Next Generation A presentation 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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Capital Market Assumptions Capital Market Assumptions from Invesco's Solutions team |
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