Accumulation

Next-gen annuities built for fee-only fiduciaries include low-cost, no-load variable annuities designed to improve accumulation. And because they don’t pay commissions, these variable annuities are free of surrender penalties and conflicts of interest.

Client Scenario

Annuity Rescue

No-load annuities offer a cost savings of 70-80% over traditional annuities. Lowering fees that much can save clients thousands of dollars annually, and those savings can compound and grow over time. Low-cost, no-load annuities on our platform include offerings from Allianz Life, Ameritas, Great-West, TIAA Life, and Transamerica. Learn how Barb and Chuck rescued their annuity to improve accumulation

Barb and Chuck

Barb and Chuck

Barb and Chuck were stuck with an expensive, traditional variable annuity. When the surrender period expired, they looked for a better alternative. Click to read their story.

Risks Addressed

Fee Drag, Tax Drag
Jon

Jon

Jon wanted to sell some rental properties, but he didn’t want the ongoing tax headaches of moving the proceeds into his taxable brokerage account. Click to learn how he leveraged a low-cost variable annuity.

Client Scenario

More Tax Deferral

If your clients have inherited a large sum of money, sold a business, or otherwise need MORE tax deferral than their other tax-deferred accounts allow, our low-cost variable annuities are transparent, easy to use, and charge no surrender penalties. Since IRA and 401(k) contribution limits are relatively low, annuities and VUL solutions on our platform may expand tax deferring capacity by hundreds of thousands or even millions of dollars. Learn how Jon was able to expand tax-deferring capacity with a low-cost VA.

Risks Addressed

Tax Drag
Client Scenario

Fixed Income Complement

Recent research from Roger Ibbotson and Wade Pfau encourages advisors to think differently about how to meet the needs addressed by traditional fixed income strategies. They recommend that advisors think of fixed indexed annuities as yet another asset class—One that can complement or replace bonds and bond funds. Their research has shown that FIAs have the potential to outperform bonds in the short term, and smooth portfolio performance for long accumulation horizons. Learn how Eileen and Dave complemented their fixed income investments with a FIA.

Eileen and Dave

Eileen and Dave

With interest rates artificially low, and potentially rising, fixed income is no longer the attractive buttress in client portfolios that it once was. Click to read how Eileen and Dave’s advisor addressed the problem.

Risks Addressed

Tax Drag, Interest Rate Risk, Sequence of Returns Risk, Principal Risk

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Our licensed experts will review a client annuity, service an existing account, or simply present an overview of the RetireOne platform.