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Annuity Meeting #2 - Retirement Analyzer

Client Slides

OBJECTIVE –  Create a custom retirement plan for the client, building massive value and, along the way, opening the door to strategies that the client most likely does not know, but should know.

​What you're about to offer a client WILL BE a huge benefit to them and earn you the respect of an advisor...

WATCH THE RECORDING

ANNUITY EDUCATION STRATEGIES
These are the most popular strategies to teach on a Retirement Analyzer Plan.

​Memorize these and present them to the client after asking the right questions. REMEMBER, it is so important that we ASK THE QUESTION, to lead a client and NOT TELL A CLIENT what we want them to know. 

EXAMPLE

• Wrong Way - "You need to know about the Volatility Buffer because it will save you from making mistakes in the future, and you would not want to make that mistake, would you?" 

• Right Way -
  
  • "Have you heard of the Volatility Buffer?" (No) 
    
  • Well, this is a strategy that allows you to avoid the Sequence of Returns issue that occurs in retirement when you take money out. Have you ever seen this before? (No)
    
  • Do you mind if I show you how this works?" (Yes)

CHOOSE A STRATEGY

• MENU
• Volatility Buffer
• Bond Alternative
• ROTH Conversion

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STRATEGY EDUCATION

1. Volatility Buffer / Sequence of Returns​​​​
2. ​Bond Alternative
3. ROTH IRA Conversion Option

Client Slides

The Volatility Buffer is a Fixed Index Annuity used to eliminate the volatility (Ups and Downs) of the market with a portion of funds. This is often called the Sequence of Returns.
​

• Strategy - Never take money out of a down market (Risk Money); but instead, use the volatility buffer (Safe Money) to take money out. Let's find out why.​

​

• The Basics - When in the ACCUMULATION phase (Pre-Retirement), there is not much risk to an up and down market over time. But when we move into the DISTRIBUTION phase (Post-Retirement) there is a great risk of running out of money by taking money out of a down market, during a BAD sequence of returns in the market. 

Birdseye - ​Volatility Buffer

A Bond Alternative, also called the Sequence of Return Strategy, is simply a strategy of using a Fixed Index Annuity (FIA) as a bond replacement to potentially increase an investment portfolio found in the market.

• ​​Strategy - What if we could increase your rate of return, decrease your risk, and eliminate your fees on a portion of your money in the market?

​​

• The Basics - Inside most portfolios are Stocks and bonds. They are often packaged in what is called a Mutual Fund. The Stock portion is often called equities and carries a higher risk than bonds due to more volatility (up/down) of the market and potential for gain/loss. The higher the risk, the higher the fees are as well..

Birdseye - Bond Alternative

Account Type	Stocks / Eqities	Bond Fund	Bond Alternative
Good Market (Positive)	+10 to 25% Avg	+3 to 5% Avg	+5-7% Avg ​(Possible Double Digits)
Down Market (Negative)	-10 to 25% Avg	-3 to 5%	0% (NO RISK)
Product Fees (Points)	.5 to 1.5%	.5% or less	NO FEES

ROTH CONVERSION  is a tax strategy that may help many save on taxes over their lifetime. It is all about paying the taxes earlier rather than later in retirement. We call this paying on the SEED vs paying on the HARVEST. (Note: this strategy may not work for everyone)

• ​​Strategy - What if you could use a ROTH conversion today to pay on the seed rather than the Harvest of the future? If that could save you thousands of dollars, how valuable would that be?

​​

• The Basics - When you have a person in their 50's or 60's who has over $300,000 of Qualified funds (401(k), 403(b), SEP IRA, Simple IRA, Traditional IRA, etc) which is all PRE-TAX dollars, it is possible with a high tax bracket that they could save thousands of dollars over their lifetime.

BACKDOOR ROTH IRA
*** IF someone makes too much money, it is possible they have a NON-Deductible IRA that should be converted over to a ROTH IRA as soon as possible. Or if they make too much for a ROTH IRA contribution, they can backdoor the funds into a NON-Deductible IRA, then convert to a ROTH. 

• Birdseye - ROTH IRA EDUCATION
• Birdseye - ROTH IRA CONVERSIONS
• Birdseye - Tax Strategies

SAMPLE RETIREMENT ANALYZER INITIAL MEETING

Retirement Analyzer Process

• Enter Data (Tab 1, 2, & 3)
• Risk vs Safety (Tab 2 (Red/Green/Blue Circle)
  • ​Show the Volatility Buffer
  • Show the Bond Alternative
• Roth Conversion (Tab 5 - Tax Tracker)
• Retirement Outlook (Tab 7)

THE ASSIGNMENT

Watch the Video and follow along with your version of the Retirement Analyzer Software. Practice the three strategies above. Get to where you can do this with little to no effort. This should be second nature to you or the client will know.

REMEMBER - PRACTICE - PRACTICE - PRACTICE

FREE TRIAL

Options

ANNUITY TOOLS

HOW TO GET CONNECTED

• Log in to the FIG Platform
• Click Resources
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• More information

FORM

ANNUITY REVEIW FORM
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FORM