Protect your clients’ spending power in retirement with a Contingent Deferred Annuity (CDA). You’ll have tools to assess client coverage needs, measure the potential impact on a client portfolio, and help with implementation.
The CDA unbundles insurance protections from investments so that each is priced separately — which means greater transparency and contained cost.
Unbundling allows you to insure your proprietary models. Wrap investments in client RIAs, Roth IRAs, or taxable brokerage accounts with a retirement income guarantee.
Transfer risk without transferring the asset. Covered assets remain at the custodian, and asset reallocation or rebalancing capabilities stay with you, not an insurance company.
The program is powered by a commission-free solution. It is portable, billable, liquid, may be cancelled at any time, and the coverage doesn’t change the tax character of the covered asset.