In her white paper “The Net Economic Benefit of Wrapping Risk with a Contingent Deferred Annuity,” Michelle Richter-Gordon, AIF® analyzes how unbundling the insurance component from underlying investments allows contingent deferred annuities (CDAs) to more effectively meet the needs of RIAs and their clients.
In the context of income planning goals and needs, Michelle shines a light on how:
- CDAs allow assets to stay at the custodian, and for coverage to be dropped at any time.
- CDAs enable advisors to keep client assets and revenue while advising upon ETF and Mutual fund investments in client IRAs, Roth IRAs, and taxable brokerage accounts.
- CDAs can complement safe withdrawal strategies and may provide a more stable retirement than do their uninsured counterparts.
Download this white paper to learn how wrapping portfolio allocations with a CDA can favorably impact client outcomes.
