The Income For Life Model® 2.0
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The Income for Life Model® v.2.0 is an investing framework for retirement income distribution combined with advanced tools for marketing, education and compliant management. For financial advisors it offers an easy-to-implement solution for meeting the needs of investors who seek long-term, inflation-adjusted income.
Broker-dealers seeking a firm-wide strategy for income distribution will find that The Income for Life Model’s reviewed communications tools and transparent, web-based management technology are features designed to meet their compliance needs.
Why is Retirement Income Important to Financial Advisors?
It’s the greatest financial challenge- and sales opportunity- of our lifetimes. The quantitative impact of 76 million Boomers retiring will have far-ranging consequences for the quality of life of millions*. Boomer retirement is a business opportunity of unparalleled scale as much as it is a challenge to conventional investing wisdom and tactics. It may signal a sharp and enduring transformation of the way we think about managing financial risks over a lifetime.
Financial Advisors who grew up in the accumulation phase share a responsibility to help their clients plan for retirement. However, the investing techniques and tax strategies that became generally accepted over recent decades may no longer provide the best answers for investors seeking long-term, inflation adjusted retirement income.
Because retirees are confronted by diverse risks, retirement income strategies must prudently take into account factors that can diminish a retiree’s long-term financial security. Uneven investment returns, longevity risk, taxes, healthcare and inflation may conspire to upend the retirement security of many people.
The Income for Life Model® helps advisors implement a sound income-generation strategy. Its approach is multi-dimensional and reflective of retirees’ real-world needs. Based upon a proven investing model that divides retirement assets into time-specific segments, the strategy offers benefits that transcend pure investing issues. Because The Income for Life Model® relies upon a strong allocation to fixed investments that produce guaranteed, period-certain income, it strengthens investors’ ability to weather normal market downturns. In addition, lifetime income sources can be incorporated that further enhance an investor's long-term retirement security.
Key benefits:
- Enables advisors to attract, engage and
educate prospects on the subject of
retirement income distribution - Increases compliance and consistency
across large networks of representatives - Helps advisors add value to the retail
relationship - Attracts new net flows
- Enables thousands of advisors to reach
millions of incremental prospects – 24/7/365 - BDs reporting > $600K average investment