Financial

HELPING FINANCIAL ADVISORS PROVIDE SIMPLICITY TO COMPLEX SITUATIONS.

Rise above the ordinary for your clients. Take your influence, your business, and your value to clients above and beyond where you’ve ever been.

Elevate

EXPLORE ELEVATE

Elevate™ provides advisors with a comprehensive cache of resources to enhance client relationships. Guidance on complex strategies from a team of industry professionals to lift your confidence and boost your value.

Resources That Matter

We curate resources that provide meaningful strategies, stay on the edge of today’s ever-evolving economic environment, and assist in ways that matter … all so you can deliver what your unique clients require. It’s our way to help you grow your business.

Income Planning

Help clients plan well and feel comfortable in the ever-changing economic climate

Annuity Strategy: Income Bucketing 
Annuity Strategy: Conservative Allocation 
Annuity Strategy: Needs, Wants, Legacy 

Rollover Opportunities

Strategize rollovers to help position clients towards meeting long-term retirement goals.

Inherited IRAs and Tax-Qualified Plans 
Non-Qualified Annuity After Death Distributions 
Distributions Due to Divorce 
In Service Distributions 
NUA Employee Stock Distributions 

Tax Efficiency Planning

Make tax-efficient decisions with knowledge on Roth conversions, annuity splitting, and more.

Roth IRA Conversions 
Non-Qualified Annuity Aggregation 

Legacy Planning

Advise clients to take a holistic planning approach for managing wealth while alive and after death.

Restricted Beneficiary Payouts 
Inherited IRAs and Tax-Qualified Plans 
Non-Qualified Annuity After Death Distributions 

Additional Reference Resources

More advanced planning in-depth resources to elevate your value.

Client Approved - IRS Rollover Chart 
Client Approved - The Essentials: A Retirement Spending Planner 
Zone Annuity vs. Non-Qualified Equity-Linked Notes 

Visit our Resource Library

TO FIND MORE TOOLS FOR ADVISORS

Advanced Concepts
Blog Articles

Remember These 3 Employer Retirement Plan Rollover Opportunities

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Can Annuities Help You Comply With Regulation Best Interest?

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Understanding Unemployment Realities to Provide Investor Guidance

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View all Advanced Concepts articles

Meet The Expert

Marshall Heitzman

Marshall Heitzman, CFP®, ChFC, FLMI, CPCU, BFA™
CUNA Mutual Group | Head of Advanced Planning

Bring your advanced retirement planning and questions to our CUNA Mutual Group's Advanced Planning Expert. Put Marshall Heitzman’s 25+ years of experience to work for you. Complete and submit this contact form.

Meet The Expert

IMPORTANT DISCLOSURES
Annuities are long-term insurance products designed for retirement purposes. Clients should consider a variable annuity’s investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information. Encourage clients to read it carefully.

CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Annuities are issued by CMFG Life Insurance Company (CMFG Life) and MEMBERS Life Insurance Company (MEMBERS Life) and distributed by their affiliate, CUNA Brokerage Services, Inc., member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, IA, 50677. CMFG Life and MEMBERS Life are stock insurance companies. MEMBERS® is a registered trademark of CMFG Life Insurance Company. Investment and insurance products are not federally insured, may involve investment risk, may lose value and are not obligations of or guaranteed by any depository or lending institution. All contracts and forms may vary by state, and may not be available in all states or through all broker/dealers.

MGA-2811981.3-0820-0922