Annuity Modernization
Find out how reviewing costs and features of clients’ older annuities and other insurance products can lead to new opportunities aligned with their current goals.
A Wave of Innovations
RIAs that found there were roadblocks to using traditional variable annuities in the past are now discovering the updated features and digital accessibility of modern advisory variable annuities. These innovations come just in time to answer a growing demand for the features that variable annuities offer.
Roles a Variable Annuity can Play In Your Client’s Portfolio
Dramatic changes in portfolio construction have many RIAs adopting variable annuities as an asset class they can use to address a variety of critical planning necessities.
Address Tax Inefficiencies
Complement traditional stock/bond-centric portfolios
Reduce Risk for Income Purposes
Hedge against longevity, interest rate, and market risks
Transfer Wealth
Control how assets are passed to future generations
Consider:
Moving a portion of clients’ investments with a tax drag to a variable annuity.
May help clients who:
- Are high earners with sizable taxable accounts and tax efficient investments.
- Have reached 401(k) or IRA contribution limits.
Consider:
Dedicating a portion of clients’ accounts to a variable annuity with optional living benefits.
May help clients who:
- Are looking for sources of protected income they cannot outlive, and don't have access to a traditional pension plan through their employers.
- Need to find yield without the tax drag to grow retirement savings and reduce interest rate risk.
Consider:
Allocating clients’ legacy monies to a variable annuity to help mitigate significant tax implications.
May help clients who:
- Need to defer and reduce high taxes within irrevocable trusts.
- Want to allow beneficiaries to control inheritance distributions through nonqualified stretch provisions.
Retirement Concerns Addressed
Longevity
Ensuring clients don’t run out of money
Lifestyle
Beyond the basics to have cash flow to enjoy the most meaningful time of life
Liquidity
Access to liquid assets in the event of an unforeseen events
Legacy
Leaving something for individuals and causes that matter
Strategic Uses
Hedging and Risk Management
Give clients more confidence about investing by managing certain risks involved with pursuing growth.
Navigating Market Uncertainty
Discover how an annuity can help prevent clients from making emotional financial decisions and stay on track for meeting their retirement goals.
Controlling Taxes
Discover how an annuity can help clients optimize their earnings over time by providing control over when they pay taxes through the timing of withdrawals.
Lifetime Income
Take a break from chasing yield and help clients receive lifetime income that’s protected no matter what the markets do.
Legacy Planning
Help clients leave their beneficiaries a multi-generational tax-efficient legacy.
RIA Only Advisor Resources
RIA Only White Papers
LPL Hybrid Advisor Resources
A Dedicated RIA Team for Next-Level Service
Pacific Life Advisory is devoted to serving the fastest-growing advice channel in the industry. With decades of combined experience working to support RIAs and fee-based advisors, our team is ready to help with your most difficult cases, explore new opportunities, and increase efficiencies.
Frequently Asked Questions
Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company or Pacific Life & Annuity Company. In New York, insurance products are only issued by Pacific Life & Annuity Company. Product/material availability and features may vary by state.
No bank guarantee • Not a deposit • May lose value
Not FDIC/NCUA insured • Not insured by any federal government agency
FOR INVESTMENT PROFESSIONALS ONLY
Wealthcare Capital Management LLC and Wealthcare Advisory Partners LLC (collectively, “Wealthcare”, “WCM”, “WCAP”, “we”, “our”, “us”) are registered investment advisors with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisors Act of 1940. All Rights Reserved.
GDX360® is Wealthcare’s fiduciary process that integrates goals based planning with investment implementation that includes cost and tax management services designed to put clients first.
WealthcareGDX® and GDX360® are trademarks of Wealthcare Capital Management IP LLC.
This website is intended to provide general information about GDX360® as a WCM and WCAP service. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.
All investment advisory and financial planning services are offered through WCM and WCAP. WCM and WCAP will maintain all applicable registration and licenses as required by the various states in which WCM and WCAP conducts business. WCM and WCAP render individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion. Click here to see the full list of disclosures.