Learn a more strategic approach to managing taxes with Asset Location. This whitepaper demonstrates how to extend the opportunity beyond the low limits of qualified plans, and how to use key indicators to assess the tax-efficiency of different asset classes and investing strategies.
While variable annuities with income guarantees have gained popularity as a retirement income tool, this next generation of Investment-Only Variable Annuities (IOVAs) could eliminate those needs. Read this paper to learn how well an unguaranteed low-cost Investment-Only VA can replicate a rider’s guaranteed income, thus eliminating the need to pay fees on riders that frequently exceed 2% or even 3% per year.By Wade Pfau
The purpose of this paper is to examine a variety of scenarios to determine when a guaranteed VA is worth the cost of the additional protection it provides, and when an unguaranteed low-cost Investment-Only VA may provide greater benefit for the client.By Wade Pfau
The idea of the Tax-Efficient Frontier is actually quite simple. It is a variation on the idea of the efficient frontier, which shows the rate of return you should earn for a given level of risk.
The Tax-Efficient Frontier takes the conversation to a new level, showing that you can actually earn higher returns—and help your client build considerably more long-term wealth—without taking on any additional risk.By David Lau
Fidelity finds that investors may benefit significantly from deferring taxes on investments that generate large distributions taxed at ordinary income rates, like short-term capital gains or certain types of interest and dividends. How? By replacing those tax-inefficient assets held in taxable accounts with suitable alternatives held in tax-deferred investment vehicles like low-cost variable annuities.By Fidelity Investments
Many advisors underestimate the potential impact of tax deferral on retirement savings. And, many are uncertain how to quantify the value of tax deferral.By Matthew Grove and Professor Ira Weiss, Ph.D.