Value-add materials

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Guide to Investing in an Election Year

Guide to Investing in an Election Year

Elections can be divisive and unsettling. At times, the fate of the world seems to hang in the balance. But when it comes to investing, do elections really matter all that much? In this guide, we address top advisor questions about investing in an election year.

Social Security Reference Guide

Social Security Reference Guide

A quick reference guide to cover a wide range of Social Security topics.

The cost of timing the market

The cost of timing the market

Investing is about time in the market, not timing the market. Missing the 'top' days can be costly. This piece illustrates the effects of missing the days where the market has its biggest gains in terms of performance.

Why should I invest in the stock market now?

Why should I invest in the stock market now?

Volatility may have some investors contemplating when they should pull out of the market or if they should sit on the sidelines and wait for the best time to invest. By waiting for the perfect time to start investing, you may be too late.

The battle between bulls and bears

The battle between bulls and bears

Bear markets may be brutal but bull markets have a tendency to charge back. These charts show how bear markets have historically been followed by a bull market. It's important to build a portfolio for both environments.

Investor's Guide to Market Volatility

Investor's Guide to Market Volatility

Wealth planning in a turbulent environment is challenging. It's difficult to see our retirement accounts dipping below the previous highs. It's important to stay the course by following the strategies in this presentation.

Tax-deferred investing: Improving fixed income return potential without adding risk

Tax-deferred investing: Improving fixed income return potential without adding risk

Fixed income investors are searching for ways to enhance return without adding incremental risk. A simple solution: take advantage of the compounding power of tax-deferred investing.

Variable Annuities: Pursue Retirement Income Using a Balanced Asset Allocation

Variable Annuities: Pursue Retirement Income Using a Balanced Asset Allocation

Maintaining a well-diversified portfolio is particularly important for variable annuity investors who intend to use their portfolios for income. The lower volatility of a balanced portfolio (compared to an all-stock portfolio) may help an investor's money last longer during the withdrawal phase of retirement.

SECURE 2.0 Act of 2022: A boost to retirement saving

SECURE 2.0 Act of 2022: A boost to retirement saving

The SECURE 2.0 Act of 2022 builds on the improvements made by the Setting Every Community Up for Retirement Enhancement Act (SECURE Act) of 2019 with more than 90 changes affecting qualified retirement plans, IRAs, SIMPLEs, SEPs, ABLEs and 529 plans. Here are summaries of the key provisions related to qualified plans and SIMPLEs.

Understanding Social Security

Understanding Social Security

When should you take Social Security? What seems like a simple question may not have a simple answer. Taking benefits early may result in a substantial reduction in Social Security benefits over the years. Consider these factors when deciding if you can afford to wait.

It's not what you make, it's what you keep

It's not what you make, it's what you keep

When it comes to choosing the right Fixed Index Annuity, absolute returns don't tell the whole story. The interest crediting strategy needs to be as big of the decision-making-process as how the underlying index is performing.

Diversified Variable Investment Solutions

Diversified Variable Investment Solutions

When developing investment strategies, we believe it's important to plan for market volatility. While market declines are generally followed by a recovery, it can take some time to make back what was lost during market swings. Retired investors, or those planning for retirement, are often most affected by market downturns due to lack of time. They may need alternative options that provide a combination of investment potential and income guarantees.

Managing Stress for Success

Managing Stress for Success

A presentation on the strategies to prepare for, respond to, and evolve your experience with stress.

Modern Prospecting

Modern Prospecting

How do you create the ultimate client experience? Prospecting of the future depends on focusing on customer journeys at specific touchpoints and measuring the client experience.

Retirement Account Quick Reference Guide

Retirement Plan Overview Reference Guide

A guide comparing a Traditional IRA, Roth IRA, SEP, SIMPLE IRA, 403(b)(7), and 401(k). Includes information on taxable income and plan contribution limits.

Adopt a Tax Efficient Investment Strategy

Adopt a Tax Efficient Investment Strategy

Tax laws have resulted in higher taxes for many. Now may be a good time to develop an investing strategy to help reduce your tax liability.

Tax-Advantaged Retirement Savings

Tax-Advantaged Retirement Savings

Traditional variable annuities (VAs) have long served as a tax-smart retirement savings option. In today's market environment, a renewed emphasis has been placed on Investment-Only Variable Annuities (IOVAs), which seek to keep costs low while harnessing the power of tax deferral.

Social Security Investor Presentation

Social Security Investor Presentation

An investor presentation covering options to help investors maximize benefits. Covers topics on Social Security essentials, benefits and options, strategies to consider, and next steps.

Long-Term Perspective on Markets and Economies

Long-Term Perspective on Markets and Economies

This is an outlook on the global economy provided by American Funds.

Life's Big Moments

Life's Big Moments

Life brings unpredictable challenges and opportunities. Your value to your clients is the wisdom, guidance, and advice you offer. That advice may start with managing their money and their investment portfolios. However, people are apt to be most concerned about their goals. It's life's big moments when investors seek financial advice from a trusted professional.

Seven Things You Need to Do in the Decade Before You Retire

Seven Things You Need to Do in the Decade Before You Retire

Retirement is approaching. Learn the seven things you need to do to help make sure you're ready for retirement.

Mastering First Impressions

Mastering First Impressions

Lasting relationships often start with a positive first impression. The challenge is, there are many ways for people to gain insights about you, possibly without you even knowing. This presentation looks at first impressions from the client’s point of view and offers tips for making them favorable.

The Psychology of Referrals

The Psychology of Referrals

Referrals are often said to be the best compliment a financial professional could receive. The challenge is, being a great financial professional is merely the first step. This presentation looks at referrals with a behavioral science lens to understand what can motivate, or discourage, word-of-mouth recommendations from clients.

The Hidden Costs of Aging

The Hidden Costs of Aging

A financially secure retirement is the culmination of years of planning, work and savings. Most people are so focused on reaching retirement that they aren’t fully prepared for the age-related care and housing. This resource offers practical guidance on how those expenses can impact a financial plan for retirement.

The Importance of Behavioral Guidance

The Importance of Behavioral Guidance

Behavioral biases can influence how we process and interpret information, especially when markets are volatile. PIMCO highlights several common cognitive and emotional biases that can have a negative impact on how investors make financial decisions—as well as important tips to consider to help your clients keep their biases in check.

Client Discovery: Asking the Right Questions

Client Discovery: Asking the Right Questions

There are multiple stages in a relationship between financial professionals and their clients. Within each of these stages, there are many opportunities for advisors to communicate their value. It's often not the statements you make that impact clients most. Instead, it's the approach you take to building the relationship that has the greatest impact on clients—including the questions you ask and the interest you show.

Understanding Inflation

Understanding Inflation

Inflation affects all aspects of the economy, from consumer spending, business investment and employment rates to government programs, tax policies, and interest rates. Understanding inflation is crucial to investing, because inflation can reduce the value of investment returns.

The Value of a Financial Professional

The Value of a Financial Professional

Some investors are surprised to learn that working with a financial professional is about more than just investments and an investment portfolio. A good financial partner can help you build a comprehensive financial plan and pursue your individual financial goals.

Year-End Planning Strategies Checklist

Year-End Planning Strategies Checklist

It's important to consider a variety of your clients' planning needs. Use this list to review actionable strategies for clients, checking off topics as you go.

Income for the Retirement Years: The Role of Annuities

Income for the Retirement Years: The Role of Annuities

Learn how annuities can play a valuable complementary role by hedging longevity risk, reducing market risk, and partially alleviating sequence of returns risk.

Planning for Health Care in Retirement

Planning for Health Care in Retirement

An investor presentation to help plan for health care and medical expenses in retirement.

How to Tame Health Care Costs When You Retire

How to Tame Health Care Costs When You Retire

This white paper covers the need for advance planning and how it may help lower costs.

How to Handle Market Declines

How to Handle Market Declines

Smart investing can overcome the power of emotion by focusing on relevant research, solid data and proven strategies. Here are seven principles that can help fight the urge to make emotional decisions in times of market turmoil.

Investing against the tide

Investing against the tide

In November 1974, few people thought it was a good time to invest. The Dow had lost more than 40% from its high in January 1973. Jim Fullerton, former chairman of the Capital Group, however, offered some perspective by recalling an even darker period in our nation's history—April 1942. Read his remarks in this white paper.

The Real Cost of Volatility

The Real Cost of Volatility

This piece graphically shows the gain needed to return to original value after a loss.

Keys to Prevailing Through Stock Market Declines

Keys to Prevailing Through Stock Market Declines

During periods of volatility in the stock market, many people may doubt their long-term investment strategy. This resource provides five tips to help avoid common pitfalls and stay on track toward achieving financial goals.

Worried About Inflation

Worried About Inflation?

Many investors cite inflation as one of their primary worries. Over time, inflation will erode purchasing power if the return earned is less than the inflation rate.

Fund Objectives for Mutual Fund and Annuity Portfolio Offerings

Fund Objectives for Mutual Fund and Annuity Portfolio Offerings

In order to meet the needs of financial professionals and their clients, Sammons Retirement Solutions® works with a nationwide network of broker/dealers and banks to provide the proper selection of portfolio investment choices that are appropriate for a broad range of risk profiles. This is a summary of our investment methodology.

Why Diversification Matters

Why Diversification Matters

This document contains annual returns of key indices from the last 20 years.

Morningstar Model Reallocation Memo

Morningstar Model Reallocation Memo

Morningstar associates updated the LiveWell® portfolios offered on the Sammons Retirement Solutions platform to reflect the results of the most recent financial and economic research. This memo outlines the changes in outlook and updates made to both the target risk and income portfolios, including the mutual-fund-only versions and the variable portfolio.

Capital Group | American Funds Insurance Services

Differentiating the American Funds Insurance Series

Since 1931, Capital Group, home of American Funds, has helped investors pursue long-term investment success. Our consistent approach—in combination with The Capital System—has resulted in superior outcomes.

2021 IRA and 401(k) Limits

IRA and 401(k) Limits

The Internal Revenue Service's (IRS) retirement plan contribution limits for this tax year.

The Rewards of Long-Term Investing

The Rewards of Long-Term Investing

The odds have favored the investor who takes a long-term approach. This piece helps demonstrate why it can pay to stay invested.

What a Difference a Year Makes

What a Difference a Year Makes

The year in which an investor retires can make a difference in how long their money will last. Market performance, inflation rates, and declining Social Security benefits are only some factors to consider when planning for a 30-year retirement.

Preparing for the Future: Your Records and Roles Organizer

Preparing for the Future: Your Records and Roles Organizer

This workbook is designed to help you centralize the important information you need for your family and/or loved ones.

Mastering Your On-Camera Presence

Mastering Your On-Camera Presence

The way you communicate with clients has probably evolved toward more video conferences. Use these tips to polish your on-camera appearance.

The Intergenerational Divide: Don't LA Bridge to the Next Generation

The Intergenerational Divide: A Bridge to the Next Generation

A brochure designed to provide you with new ideas and insights on connecting with the future generations of your most valued clients.

Beneficiary Audit Worksheet

Beneficiary Audit Worksheet

Use this form to capture relevant information for each account or policy and each individual beneficiary.

Long-Term Investors Can Weather Marketing Declines

Long-Term Investors Can Weather Market Declines

This chart shows the history of intrayear declines and annual price returns in the S&P 500 over the course of 70 years.

Mastering the Client Review

Mastering the Client Review

Ideas to help take client reviews to the next level and expand existing client relationships.

Learning from the Lessons of Time

Learning from the Lessons of Time

Staying focused despite the day-to-day distractions of the market is never easy, especially during periods of economic uncertainty. However, investors who seek the guidance of a trusted financial professional and remain committed to their investment plans—even when it's tempting to head to the sidelines—are better positioned to realize their short- and long-term goals.

Capital Market Assumptions

Capital Market Assumptions

Capital Market Assumptions from Invesco's Solutions team

Check out additional business-building ideas, industry trends, and consumer-focused materials you could use to connect with your clients.

Fund companies listed above are not affiliated with Sammons Institutional Group®, Inc., Midland National® and Sammons Financial Network® LLC, member FINRA.

Investing in mutual funds and variable annuities involves risk, including potential loss of investment. You and your client should consider the investment objectives, risks, charges, and expenses of the mutual fund or variable annuity and its underlying investment options carefully before investing. The prospectus and/or summary prospectus contain this and other information. You or your client can visit srslivewell.com/prospectus or call 866-747-3421 to obtain a current prospectus for the mutual fund or the variable annuity and its underlying investment options. Inform investors to carefully read the prospectus before investing.

As independent financial professionals, it is up to you to choose whether any of the sales concepts contained in these materials might be appropriate for use with your particular sales strategy and clients. Please note that Sammons Retirement Solutions® does not require you to use any of these sales concepts; they are resources that can be used at your option for your own individualized sales presentations if appropriate for the particular client and circumstances.

Securities distributed by Sammons Financial Network®, LLC., member FINRA. Insurance products are issued by Midland National® Life Insurance Company (West Des Moines, IA). Sammons Institutional Group®, Inc. provides administrative services. Sammons Financial Network®, LLC., Midland National® Life Insurance Company and Sammons Institutional Group®, Inc., are wholly owned subsidiaries of Sammons® Financial Group, Inc. Sammons Retirement Solutions® is a division of Sammons Institutional Group®, Inc.

Please click the links below to view important product-specific disclosures:
LiveWell® Mutual Fund IRA | LiveWell® Plus Mutual Fund IRA | LiveWell® Variable Annuity | LiveWell® Preferred Fixed Index Annuity | LiveWell® Guarantee Annuity | LiveWell Dynamic Annuity

Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. Morningstar Investment Management provides nondiscretionary consulting services to Sammons Institutional Group®, Inc. (SIG) but is not acting in the capacity of adviser to individual investors. Morningstar Investment Management provides recommendations to SIG regarding asset allocation targets, for certain LiveWell® products/programs, which are subject to change without notice. Morningstar Investment Management establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Investment Management is not affiliated with SIG.

NOT FDIC/NCUA INSURED, MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.

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FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.
19968R REV 10-23