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The Broker-Dealers of the Yearwill take on the DOL and anyoneelse who threatens the IBD model
EricSchwartz DaviDStringEr ralphDevito lonDolbEr D I V I S I O N III
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Investment-Only Variable Annuities,Pt.1: Who Should Invest in Them?
Generating enough retirement income continues to be atop concern among investors today and while annuitiescan be a helpful solution to achieve that goal, there area lot of options out there and making the right choicecan be confusing. Combine that with the fact that notall annuities are created equal and the variable annuitylandscape is always changing, and it just became evenmore confusing.
In the past, advisers’ perceptions of variable annuities
haven’t always been positive. Following the economic
crisis in 2008-2009, annuity insurers responded with
decreased benefits, increased costs and additional
investment restrictions, thereby making variable
annuities too expensive and too complex for some
Then in 2012, the Taxpayer Relief Act started to hit
the wallets of investors and as a result, tax-deferred
accumulation became even more important. Advisers
found themselves not only looking for investment
vehicles to help with tax-deferred accumulation, but
were also in search of new ways to balance portfolio risk
through the use of non-correlated assets in the form of
alternatives. But alternatives were not particularly tax
efficient, which is why it made sense to use them inside
a tax-deferred variable annuity. This type of investment
also allows for diversification for non-correlated asset
classes which is helpful during volatile markets.
Advisers are always searching for ways to providevalue to existing clients by introducing new investmentoptions and they are always in pursuit of ways to capturenew assets. As the new year dawns, this could be theperfect time to look at your current book of businessand reevaluate investments to make sure they are still agood fit. Or perhaps a clients’ situation has changed andnow is the time to introduce a new investment option.There is also a lot of money in motion so advisers maybe on the pursuit for ways to capture new assets.
As mentioned, because not all variable annuities arecreated equal and the landscape is always changing,it can also be difficult to keep up with the differenttypes of investment solutions in the marketplace, theintricacies of how they work and determining whichproduct is right for which client. All of which make iteven more challenging to introduce new investmentoptions. But what if there was a simple option that metyour client’s needs?
DECEMBER23,2015 www.thinkadvisor.com
By William Lowe, President – Sammons Retirement Solutions
Youcandesigna cogentlong-term portfolioforclients usingtoday’stools, anddoingsocan helpseparateyour firmfromthepack
By BEN WARWICKMore Volatility, More Prob Solving the D
W
illustration:HARRYCAMPBELL/©theispot.com
ThinkAdvisor.com | OCTOBER 2015
COMPLYING WITH SHIFTING REGULATION
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ADJUSTING TO AMERICA’S CHANGING DEMOGRAPHICS
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