Advisor Organizations- www.cfainstitute.org - CFA Institute
- www.chfc-clu.com - chfc-clu.com
- http://www.cfp-board.org/search - CFP Board of Standards, Inc.
According to MORNINGSTAR data, on a $25,000 investment, Monument Advisor costs less than 91% of existing variable annuities. On a $100,000 investment, it costs less than all other variable annuities on the market today.
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Not all advisors are equally suited to address your needs. Some may offer only investment portfolio advice while others provide a variety of services (e.g., tax or estate planning) along with portfolio management. Different advisors also have different certifications from different organizations. Here's a quick rundown of what expertise each type brings to the table:
| Designation | Description |
|---|---|
| Registered Investment Advisors (RIA) | Specialize in managing investments for clients. Has passed certain qualifying exams and is registered with the Securities and Exchange Commission (SEC) or a state securities regulator. RIAs typically work on a fee-only basis. |
| Certified Financial Planners (CFP) | Studies more diverse topics including financial planning, income tax planning, retirement planning, estate planning, family law, and risk management. |
| Chartered Financial Analysts (CFA) | Must pass rigorous exams from the credentialing organization on investment knowledge. |
| CPA/Personal Financial Specialists | Accountants who have passed their CPA exam as well as a special exam on providing financial planning advice to individuals. |
| Estate Planners | Specialize in the management of assets to minimize estate taxes and maximize benefits to heirs. They may also assist with retirement planning. |
| Chartered Financial Consultants (ChFC) | Expertise in insurance and financial planning, income taxation, and retirement planning. |
| Chartered Life Underwriters (CLU) | Specialized knowledge of the life insurance business as well as other financial planning topics. |
| Registered Representatives | Licensed by the specific states they work in to buy/sell stocks, generally for a commission. |
Worth noting: Don't make your choice based strictly on the licenses an advisor holds. You'll need to be comfortable with them personally before you decide to work with them.
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An investor should carefully consider the investment objectives, risks, charges and expenses of the investment before investing or sending money. For a prospectus containing this and additional information, please contact your financial professional. Read it carefully before investing. The summary of product features is not intended to be all-inclusive. Restrictions may apply. The contracts have exclusions and limitations, and may not be available in all states or at all times.
Variable annuities are investments subject to market fluctuation and risk, including possible loss of principal. Your units, when you make a withdrawal or surrender, may be worth more or less than your original investment.
Variable annuities are long-term investments to help you meet retirement and other long-range goals. Withdrawal of tax-deferred accumulations are subject to ordinary income tax. Withdrawals made prior to age 59 ½ may incur a 10% IRS tax penalty. Jefferson National does not offer tax advice. Annuities are not deposits or obligations of, or guaranteed by any bank, nor are they FDIC insured.
Monument Advisor is issued by Jefferson National Life Insurance Company (Dallas, TX) and distributed by Jefferson National Securities Corporation, FINRA member. Policy series JNL-2300-1, JNL-2300-2.
Form #: JEF-typesofadvisors-20061207