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Program Elements

Post-retirement income distribution can be a complex process for investors, financial advisors, broker-dealers and product manufacturers. In recognition of this fact The Income for Life Model® provides a broad set of components designed to help users address critical areas including investor education, compliance, marketing, modeling, program management and tracking.

Among the unique features that The Income for Life Model® offers are:

For Advisors
Item Description
Web-Based Illustration System

A flexible software tool that enables advisors to construct time segmented, "laddered" income distribution strategies including the integration of guaranteed outcome elements, when appropriate. The open architecture software platform creates vital context for the selection of multiple fixed and equity-driven investment products

  • Optionally  illustrates variable annuity GMWB and lifetime SPIA income sources within the laddered strategy framework
  • Easy-to-understand client proposal output
  • Three distinct laddered investment strategies (standard, intermediate, conservative) each with its own rates-of-return, inflation assumption and liquidation rates
  • Deferred retirement income analysis offering pre-retirement accumulation analysis
  • Retirement income projections based upon available assets or targeted income levels
Illustrate multiple, segment-specific target retirement income levels
The TNT Retirement Income Indicator™ An online risk profiling process that determines an investor’s need for guaranteed retirement income versus income generated from long-term investing. Helps advisors identify appropriate target rates-of-return
IFLM Check-Up Tool A web-based tracking feature that helps advisors assess actual results versus targeted results
Illustration Database A searchable online database that archives all previously run illustrations
Advisor-Personalized Microsite A compliant, consumer-facing website personalized to the advisor that streams the client movie to clients and prospects’ web browsers (see example)

For Consumers
Type Title Description
     
Concept Overview A brochure that presents a conceptual overview of The Income for Life Model strategy
Tri-Fold Brochure A convenient marketing brochure that can be used as a mailer or handout
Client Movie An engaging multimedia presentation that describes The Income For Life Model® in a needs-based context. The presentation is downloadable to an advisor’s PC.
PowerPoint Deck PowerPoint presentation that explains The Income for Life Model in a seminar-event format
Pre-Approach Letter A letter that may be used with clients or prospects that may have interest in learning about The Income for Life Model
Follow-Up Form The Follow-up Form can help you gather important client data following an initial meeting. It can also be used as part of a seminar kit

For Broker Dealers
Item Description

Real-Time Management

Utilizing Wealth2k's proprietary Traject network, the entire solution landscape is transparent and controllable in real-time at the broker-dealer level

Advisor-Specific Disclosure Monitoring

Assures that broker-dealer disclosures are accurately posted on all consumer-facing communications including electronic communications

Advisor Self-Enrollment

At the broker-dealer's option, a customized signup portal handles advisors’ enrollment in the program

Activity Reporting

A combination of daily and real-time reports that track illustrations run and user account activity at the individual advisor level. Customized  reports are also available

Seamless Sign-On Process

If desirable, advisors may login to the system via a single sign-on at the broker-dealer's advisor portal

Custom Retirement Model Design

Broker-dealers may create and modify custom retirement strategies based upon unique economic characteristics

Control of Financial Assumption Ranges

Real-time control of the input of financial assumptions .within specified ranges
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