In many cases having the advantage of tax deferral means you'll be able to save substantially more dollars than with a traditional taxable account.
With Monument Advisor you may be able to create more reliable retirement income streams for clients who: 1.) are approaching or in retirement; 2.) need more accumulation through their retirement years; 3.) seek protection of retirement assets and income generation to meet goals; and/or 4.) require flexibility and control to change investments or make unscheduled withdrawals when life throws a curve ball. More...
This report offers a solution to meeting client return expecations in the current market environment.
The retirement income challenge is real. Over the next decade, more than 10,000 Baby Boomers will turn sixty-five every day. They share one common fear: outliving their retirement savings. And advisors share their concerns. 71 percent of RIAs and fee-based advisors say that the three biggest challenges to generating retirement income today are confronting a low-yield market environment, managing ongoing volatility and maintaining adequate equity exposure. Laurence Greenberg, President of Jefferson National, examines how complex market dynamics have forced many traditional variable annuity companies to re-price, re-tool or retreat from the industry entirely—and how innovative companies have fostered the growth of a new generation of IOVAs.
JeffNat CEO Mitch Caplan examines factors driving today's retirement income challenge—and compares costs and benefits of traditional and next-gen solutions.
New Approach to Gamma: Asset Location one of Top Five Factors advisors can use to generate more retirement income.
Saving for retirement has changed dramatically. Over the next decade, Boomers will be turning 65 at a rate of 8,000 a day, and many will begin tapping into their savings. But Americans are living longer, and research consistently shows that outliving their assets is their number one concern. As the solvency of Social Security comes into question, and the safety net erodes in an economic environment that remains unstable, the retirement income challenge is very real.
Laurence Greenberg, President of Jefferson National writes in NAPFA Advisor:
Today’s uncertain market, combined with rising tax rates, longer lifespans, and a shrinking safety net, makes retirement planning more important than ever.
Advisors turn to tax-optimized tactics for more Gamma to solve today’s triple threat: low yields, volatility and adequate equity exposure.
After the Crash of 2008, VA companies re-priced, re-tooled or retreated, while innovators re-focused on a new approach to tax-advantage investing.