Generating inflation-adjusted retirement income using the least amount of the portfolio

Beyond using annuities and life insurance for retirement income or death benefits, do you know how to generate inflation-adjusted income for clients using the least amount of the portfolio?

Partners Advantage is hosting a special two-day intensive workshop that provides financial professionals with some of today’s most powerful retirement income strategies. This is especially focused on providing advanced strategies for dual licensed - securities and insurance licensed professionals! It’s an incredible opportunity to help take your knowledge base and skills to the next level! 

These are advanced concepts to help address clients’ income and tax challenges in retirement. Partners Advantage is sponsoring ThriveU Workshops with Curtis Cloke. Workshop to be hosted in Irvine, CA on August 11-12

Contact the Partners Advantage Brokerage Team for more information: 

888-251-5525, Ext. 700.

Only a limited number of seats are available. Request information here.

Fill out my online form.

These events will feature:
Curtis Cloke, CLTC, LUTCF, RICP® and Adjunct Instructor at The American College is an award-winning financial professional, keynote speaker and author. He is an early pioneer and advocate for deferred income annuities (DIAs). His contribution toward the discovery, development and delivery of the power of the DIA in retirement plans has been widely acknowledged and embraced as part of the retirement income puzzle by the financial industry. Curtis is the founder and CEO of Thrive Income Distribution
System, LLC, launched in 2009, which helps advisors and clients create more income utilizing less of the client’s portfolio.

Charlie Gipple, CLU,® ChFC® is the Senior VP of Sales & Marketing at Partners Advantage. He has a track record of helping agencies and financial professionals bring about “Causation of Sales.” Prior to joining Partners Advantage, he served as the national director of index products at Genworth and also spent 11 years at ING leading a number of diverse product lines and distribution channels. He is well recognized in the annuity and life insurance industry as a speaker and has extensive experience with index products, financial markets, financial legislation, behavioral finance and the positioning of insurance products.

Oscar Toledo is the Manager of the Platinum Service Team at Partners Advantage. He has spent 17 years in the insurance industry as a business consultant and in personal production. He has helped many agencies grow their life, annuity and linked benefits business by providing innovative sales concepts, extensive product knowledge and superior support.

For Financial Professional Use Only. Not for use in solicitation or advertising to the public.

Securities registration may be required for some strategies. Partners Advantage and its representatives do not provide legal or tax advice. Please encourage your clients to see advice from their tax advisor or attorney for their individual financial situation.

The third party information and opinions included in this training have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by

Partners Advantage. The material is being provided for information purposes only and is not a solicitation for the purchase of any product, nor should it be construed as advice designed to meet the particular needs of clients. Financial Professionals should ensure they continue to follow the current policies on the use of any advertising, third-party materials and/or social media as required by their broker/dealer and registered investment advisor, if applicable, and the insurance carriers they represent.

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Providing More Retirement Income Options for Your Clients

As more companies do away with defined benefit pension plans, it is left as the responsibility of individuals to ensure that they have enough income for retirement. While many people may fear outliving their savings, other threats to both long- and short-term retirement incomes can include: 

• Inflation
• Market uncertainty
• Medical expenses

Longevity only magnifies these risks, as living to an older age means that these risks must be managed for a longer period of time. Because of this, many consumers over the past few years have been turning to income producing products, as these insurance vehicles can allow them a guaranteed* incoming cash flow, oftentimes without regard to market performance, or even surrounding economic issues. This has recently led to strong sales of fixed indexed annuities (FIAs), deferred income annuities (DIAs), and single premium immediate annuities (SPIAs).

Some of the clients that these products may be well suited for can include those who: 

• Are seeking to compliment other income sources such as Social Security
• Do not have any type of guaranteed* income or defined benefit pension plan in place
• Are risk-averse and are seeking to protect the premium, while at the same time seeking market indexed growth
• Are looking for a way to convert large sums of cash from retirement plans into immediate income

Although all clients’ situations are unique, the benefits that are offered through these products can cover a variety of different needs. By not having these vehicles available, it is possible that you might be leaving the door open for clients to go elsewhere to take care of their retirement income needs – possibly taking other business with them in the process. But, by becoming familiar with how FIAs, DIAs and SPIAs can provide growth, and protection of premium, client portfolios and long-term client relationships can be strengthened.

Contact Partners Advantage Annuity Brokerage Team

for More Information and Complete Product Assistance:

888-251-5525, Ext. 709

* Guarantees are backed by the financial strength and claims-paying ability of the issuing company. Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of premium and credited interest, and the reassurance of a death benefit for beneficiaries. Any distributions may be subject to ordinary income tax and, if taken prior to age 59½, an additional 10% federal tax. Early withdrawals may result in loss of principal and credited interest due to surrender charges.

Partners Advantage Insurance Services and its representatives do not give legal or tax advice. Consult your tax advisor or attorney for legal or tax advice.

A fixed indexed annuity can provide annuitization as a means to provide retirement income payments. An alternative option to annuitization could be the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged.

Please note that in order to provide a recommendation to a client about the liquidation of a securities product, including those within an IRA, 401(k) or other retirement plan, to purchase a fixed or variable annuity or for other similar purposes, you must hold the proper securities registration and be currently affiliated with a broker/dealer or registered investment adviser. If you are unsure whether or not the information you are providing to a client represents general guidance or a specific recommendation to liquidate a security, please contact the individual state securities department in the states in which you conduct business.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH CONSUMERS.

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Great 8 Road Show comes to Irvine, CA on July 12! Register Today!

Education to Fuel Your Sales Success! Be Inspired. Expand Your Knowledge. July 12 - Irvine, CA -Hilton Irvine/Orange County Airport Attendees will receive a WebCE Voucher good for one  complimentary CE Course!*  (worth up to 15 hrs!) The "Great 8 Boot Camp" is led by nationally recognized indexed product educators Charlie Gipple CLU®, ChFC® and Oscar Toledo from Partners Advantage Insurance Services. When you attend the Great 8 Indexed Boot Camp you will walk away knowing more about Life Insurance, Annuity and Linked Benefit products. Our Carrier Sponsors include: Allianz Life Insurance Company  of North America Click here to view a sample agenda of presentation topics Reviews from Financial Professionals Attending Previous Workshops >> HERE The event is open to licensed financial professionals and hosted by Partners Advantage. For a limited time only use promo code JULY100OFF  to register for July boot camp to receive $100 off the tuition fee!  Not located in Southern California? View other cities and dates below: August 23 – Omaha, NE Embassy Suites by Hilton Omaha Downtown Old Market 555 S. 10th Street, Omaha, NE 68102 August 25 – Chicago, IL Hotel TBD in Rosemont Area August 24 – Des Moines, IA Holiday Inn Hotel & Suites West Des Moines-Jordan Creek 6075 Mills Civic Parkway, West Des Moines, IA 50266 August 26 – Minneapolis, MN The Westin Edina Galleria 3201 Galleria, Edina, MN 55435 Please contact the Partners Advantage Brokerage Team at  888-251-5525, Ext. 700  For financial professional use only. Not for use with consumers. *This voucher is good for one (1) complimentary CE course. Not available for some specialty courses or packages. This voucher includes the course material, exam, grading the exam, certificate of completion and state reporting, where required. Additional charges for paper materials, shipping, and state filing fees may apply. The course and exam must be completed within 12 months of course selection. Some states limit the number of CE hours that may be taken through self-study or correspondence. Be sure to check your state requirements before ordering. The testimonials may not be representative of the experience of other financial professionals and are not a guarantee of future success. The financial professionals who provided these testimonials did not receive any compensation for providing these comments. The third party information and opinions included in these presentations have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed by Partners Advantage. Although we may promote and/or recommend the services offered by these companies, financial professionals are ultimately responsible for the use of any materials or services and agree to comply with the compliance requirements of their broker/dealer and registered investment advisor, if applicable, and the insurance carriers they represent. Tuition fee for each Great 8 Boot Camp attendee is $100. The fee, payable in U.S. dollars, reserves your seat. A USD $100 advance deposit per participant is fully refunded to attendees who are present for the entirety of the meeting. The tuition is payable to Partners Advantage upon registration for the Great 8 Boot Camp and can be made via acceptable credit cards for tuition payments (VISA, MasterCard, American Express, Discover). 24-hour notice must be given prior to event for full refund. The manner of reimbursement will generally coincide with the manner in which the tuition was paid within a reasonable amount of time following the event when attendance can be validated. Astro #45294 46464

It's Time to Dare to Compare Income Withdrawal Riders on Fixed Index Annuities

It's no surprise that fixed index annuities (FIAs) with income withdrawal benefits (either built-in or as optional riders for an additional cost) have become a popular solution for clients seeking guaranteed income in retirement. What may surprise you is that the total value your client could actually receive from these withdrawals can vary substantially.

Income withdrawal riders on fixed index annuities can vary significantly when it comes to providing total income payments over your clients' life expectancy.

Have you seen the Dare to Compare^SM online calculator from Allianz Life Insurance of North America? 

We have been pleasantly surprised and impressed!

This new income calculator can estimate your clients' lifetime income withdrawal payments over their life expectancy, comparing the opportunity for increasing income that many Allianz annuities offer to a level payout (using a hypothetical FIA with an income rider) over the same time period.1

The calculator can help provide you with:

• Simplicity - easy-to-use calculator allows for quick results
• Comparisons - estimate the total value of income withdrawal payments over life expectancy
• Product recommendations - use the information to help make the appropriate product recommendation for your client

The calculator is designed to highlight the income feature only. Keep in mind that FIAs are designed to meet your clients' long-term needs for retirement income. They provide many benefits for your clients, including principal protection, the potential for tax-deferred growth, and a death benefit for beneficiaries. Always consider each of the features available and how they work when considering if a product is appropriate for your client's needs.

Sign-up here for a Dare to Compare online calculator overview.

Contact the Annuity Brokerage Team at Partners Advantage
to see how it works!

888-251-5525, Ext. 709

For financial professional use only - not for use with the public.

¹The calculator estimates using hypothetical values as well as minimum values at 0% for the client's life expectancy only. Hypothetical values are not guaranteed. Actual client results will vary by product selected, number of years they live to take income, and the actual performance of the product selected.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

Products are issued by:

Allianz Life Insurance Company of North America

5701 Golden Hills Drive, Minneapolis, MN 55416-1297

CONFIDENTIALITY NOTICE: The information in this email may be confidential and may be legally privileged. It is intended only for the use of the individual(s) named above. If you are the intended recipient, be aware that your use of any confidential or personal information may be restricted by state and federal privacy laws. If you, the reader of this message, are not the intended recipient, you are hereby notified that you should not further disseminate, distribute, or forward this email. If you have received this email in error, please notify the sender and delete the message. Thank you.

Product and feature availability may vary by state and broker/dealer. 

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What Robo-Advisors CanNOT Do That You Can; An Introduction to Behavioral Finance

Whether we are talking about life insurance sales, annuity sales or investment sales, one thing is undisputable, MONEY IS EMOTIONAL. Learn how to separate yourself and your practice from the "Robo-Advisors" by understanding and implementing behavioral finance. After all, Behavioral Finance and Speaking Your Clients' Financial Language can become one of the main determinants in your clients' success in their retirement planning process.

BONUS: We will also provide insights on how you can

Better understand the Allianz annuity
story by explaining the features of both the preferred and standard portfolio: Income Now. Income Later. Income Never.

Join Us on June 22

11 AM PDT, 12 PM MDT, 1 PM CDT, 2 PM EDT

Register HERE

Nationally recognized indexed product educator Charlie Gipple, CLU, ChFC will provide insights on how you can help your clients better understand how fixed annuities might work within their overall retirement income roadmap.

Questions?

Contact the Partners Advantage Annuity Advantage Team at

888-251-5525, Ext. 709

For financial professional use only - not for use with the public.

Product and feature availability may vary by state and broker/dealer.

The calculator is designed to highlight the income feature only. Keep in mind that FIAs are designed to meet your clients' long-term needs for retirement income. They provide many benefits for your clients, including principal protection, the potential for tax-deferred growth, and a death benefit for beneficiaries. Always consider each of the features available and how they work when considering if a product is appropriate for your client's needs.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

Products are issued by:

 Allianz Life Insurance Company of North America

 5701 Golden Hills Drive, Minneapolis, MN 55416-1297

CONFIDENTIALITY NOTICE: The information in this email may be confidential and may be legally privileged. It is intended only for the use of the individual(s) named above. If you are the intended recipient, be aware that your use of any confidential or personal information may be restricted by state and federal privacy laws. If you, the reader of this message, are not the intended recipient, you are hereby notified that you should not further disseminate, distribute, or forward this email. If you have received this email in error, please notify the sender and delete the message. Thank you. 

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Merging, Selling or Strategically Aligning Your General Agency: 1+1=4

Scott Tietz, CEO and Founder of Partners Advantage Insurance Services, is an industry expert on IMO and BGA mergers and acquisitions and is well known for his book, Mergers & Acquisitions 101: What All independent Marketing Organizations Need to Consider to Survive and Thrive in Today’s Changing Business Landscape.

On this special webinar Scott will share his insights on the following:

• Merger, acquisition or strategic alliance – what’s the difference and where do you start?
• What is the right type of organization to align with in today’s world?
• How to access more desirable products and carrier relationships – today.
• Bring more capital in the door to build your business.
• Valuate your company and build value for you and your stakeholders.
• Additional options to consider for your succession strategy.
• Do I sell now or do I wait for a better environment?
• Common transaction designs - share swaps, buyouts  over time and others
• Family in the business.  Is there still a reason to discuss M&A?

Select which time works best for your schedule:

Thursday, June 9 11 a.m. CT Register Here » http://bit.ly/1UWJG0G	Tuesday, June 14 4 p.m. CT Register Here » http://bit.ly/221PRBA
Wednesday, June 23 1 p.m. CT Register Here » http://bit.ly/1si5iK2	Wednesday, June 29 10 a.m. CT Register Here » http://bit.ly/1TRZXS9

Questions? Contact Scott Tietz at 888-251-5525, Ext. 103 or stietz@partnersadvantage.com

*May not be representative of the experience of all agencies.

For financial professional use only. Not for use with consumers.

This presentation is for educational purposes only. The information provided should not be construed as an offer to buy or sell a security or any ownership interest in another organization by Partners Advantage Insurance Services, LLC. An offer to buy an insurance services company or other type of business entity is made by a formal written document following a due diligence period and review of the applicable laws of the appropriate jurisdiction.

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National Annuity Awareness Month

Annuity Sales Continue to Climb, but Many Consumers Still Haven't Heard About Them!

The sales of fixed annuities continue to climb. In the LIMRA Secure Retirement Institute’s fourth quarter U.S. Individual Annuities Sales Survey, it also showed that fixed indexed annuities were up 32 percent at $16.1 billion.¹

Why are people choosing fixed indexed annuities to meet their long-term goals and retirement needs? Why are annuity sales continuing to grow each quarter?

Fixed indexed annuities bring interest to some consumers because they include:

• Opportunity for tax-deferred growth
• Guaranteed* lifetime income
• Protection of premium from potential market downturns
• Built-in Flexibility
• Growth accumulation 

Some consumers are interested in fixed indexed annuities because of these product features. It can provide useful benefits for people and offer protections against the different risks that could potentially deplete future savings. Financial professionals are also providing more education and awareness to clients so they are aware of what could happen to their principal if another market downturn took place.

As more people become aware of fixed indexed annuities, it gives financial professionals the  opportunity to share details about the products. It shows the importance of being transparent and ethical. Clients need to be aware of all fees, interest, and guaranteed* income payments from the start.

When this is done, it becomes easier to maintain a happy annuity base and continue to increase satisfied annuity clients. They are happy because informed retirement decisions are being made.

Partners Advantage has a library of consumer-ready articles, videos and resources you can use to educate your clients during
National Annuity Awareness Month and beyond.

Click HERE to Request National Annuity Awareness Month Information

Call the Partners Advantage Annuity Brokerage Team for complete assistance and access to resources:

888-251-5525, Ext. 709.

Partners Advantage is a Premier Partner of NAFA - The National Association for Fixed Annuities, which has pronounced June National Annuity Awareness Month.

¹“LIMRA Secure Retirement Institute: Indexed Annuities Break Quarterly and Annual Sales Records,” http://www.limra.com/Posts/PR/News_Releases/LIMRA_Secure_Retirement_Institute__Indexed_Annuities_Break_Quarterly_and_Annual_Sales_Records.aspx, last accessed 3/21/16

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR USE WITH CONSUMERS.

*Guarantees provided by annuities are subject to the financial strength of the issuing insurance company; not guaranteed by any bank of the FDIC.  A fixed indexed annuity can provide annuitization as a means to provide retirement income payments. An alternative option to annuitization could be the purchase of an optional lifetime income rider, a benefit for which an annual premium is charged.

Tax-deferred interest accumulation offers no additional value if the annuity is used to fund an IRA under current tax law; additionally, tax deferral may not be available if the owner of the annuity is not a natural person such as a corporation or certain types of trusts.

Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, and the reassurance of a death benefit for beneficiaries. Please note that in order to provide a recommendation to a client about the transfer of funds from an investment product to a fixed insurance or annuity, you must hold the proper securities registration and be currently affiliated with a broker/dealer.  If you are unsure whether or not the information you are providing to a client represents general guidance or a specific recommendation to liquidate a security, please contact the individual state securities department in the states in which you conduct business.

This information is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Encourage your clients to consult their tax advisor or attorney.

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