What Clients Need to Know About Annuity Taxes

posted in Client Relationships, Risk Control Apr 9, 2019


As April 15 draws near, many of your clients may face uncertainty about whether they should claim various investment income on their taxes and, if so, how. This is especially true in light of recent tax code changes signed into law — the first major revisions since 1986.1

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Pros and Cons of Cash, and How Annuities May Be a Better Strategy

posted in Risk Control Mar 19, 2019


As an asset class, cash generally elicits one of two responses from investors: “cash is king” or “cash is trash.”1 Most of your clients probably are in one camp or the other, while some could be conflicted. On the one hand, they may see the positive benefits of holding onto cash — shielding against the unexpected or having more flexibility to invest as opportunities arise.2 On the other hand, they may harbor a genuine fear of missing out on investment returns and resulting portfolio growth.3

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Income Annuities Can Help Bridge a Widening Retirement Income Gap

posted in Risk Control Mar 12, 2019


In the 1980s, 60% of U.S. companies offered employees pension plans.1 In the decades since, that number has dropped radically to 4%.1 Pensions gave way to 401(k) plans, leaving employees to tend to their retirement savings themselves. The freedom to make decisions about future finances may be liberating to some, but statistics suggest otherwise. Only 41% of eligible employees contribute to a 401(k) plan, and many of those who do enroll aren’t setting aside enough money, investing appropriately, or considering the financial consequences of market downturns.1

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Overcoming Client Risk Aversion to Serve Their Best Interests

posted in Risk Control Feb 19, 2019


Nearly 75% of investors would rather have portfolio protection than portfolio performance.1 This preference nearly perfectly squares with how financial advisors report they prioritize clients’ investment and retirement planning strategies, as 74% put wealth preservation/risk management at the top of the list.2

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Communicate to Reassure Clients During Volatile Markets

posted in Risk Control Nov 6, 2018


Financial advisors generally understand and accept that volatility is inherent in the stock market, but not all clients are as immune to the natural ebb and flow of investing.1 It’s not uncommon for a market dip to grip clients with fear, and often a reactive leap out of their long-term investment strategy follows.2

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