Our Team
Our Work
Your Vision
Summary
Becoming an RIA shouldn't limit your ability to offer your clients the potential income and protection benefits of annuities. The Envestnet Insurance Exchange connects RIAs to fully-licensed Outsourced Insurance Desk specialists who can recommend and transact annuities for their clients. Working with an OID Expands the offerings an unlicensed financial professional can make while keeping assets under their control. Knowledgeable, licensed professionals. Commission-free solutions. No need for a financial professional to maintain an insurance license or broker/dealer affiliation to access annuities.
Overview
Using the Platform
Carriers
Additional Resources
Help
Fiduciary Exchange LLC (FIDx) is a technology firm offering solutions that connect the brokerage, insurance, and advisory ecosystems. FIDx does not provide any advice or make any recommendations with respect to any insurance or other financial products and does not solicit, offer or sell any insurance or other financial products. Financial professional use only. © 2023 Fiduciary Exchange LLC. All rights reserved. Envestnet is not an insurance agency and as such, does not sell or make any recommendations related to the purchase of annuity or insurance products. Insurance products are only sold or recommended by insurance licensed financial professionals or through a third-party intermediary licensed as an insurance agency. Carriers and OID firms featured herein are in no way endorsed by Envestnet. Advisors should always conduct their own research and due diligence on insurance products, carriers and OID’s prior to making a recommendation to a client. Envestnet, Inc. has a financial interest and occupies board of director positions in Fiduciary Exchange LLC (FIDx). © 2023 Envestnet. All rights reserved.
Disclosure
The Envestnet Insurance Exchange
Working with an OID
OID Partners
For illustrative purposes only. Not based on actual client data.
Product Availability
Our Capabilities
Kara Mondoskin
Chief of Staff
Kara joined FIDx in August 2019 as Chief of Staff. She works closely with the FIDx Board of Directors and senior leadership team and is responsible for managing key business initiatives for FIDx and strategic projects for the CEO. Kara has extensive change management and project/program management experience. Prior to joining FIDx, she spent over 11 years with Jackson National, where she led the Project Management Center of Excellence team responsible for IT metrics, governance, IT strategy process, IT project funding, and prioritization processes.
Ryan Fauls
Chief Technology Officer
Ryan joined FIDx in 2019 with just under 20 years experience in the technology industry, with a deep focus in FinTech. Prior to joining FIDx, Ryan was one of the founding partners at eMoney Advisor for 12 years where he specialized in the FinTech sector. His experience deepens with eight years in the travel management space, where he focused on technology and re-architecture for two 30+ year old firms. Ryan received a BA in Business Management and Information Technology from Juniata College.
Suzanne Niemeyer
General Counsel
Suzanne is a corporate attorney with extensive experience representing public and private companies in connection with commercial contracts, M&A transactions, corporate governance, regulatory compliance and board, and management advisory matters. Prior to joining Magis Capital Partners, she served as the General Counsel, Managing Director, and Corporate Secretary of CTUA Corporation, a publicly traded company that operated software-as-a-service businesses in many vertical markets. She began her career as an associate in the Corporate Department of Dechert LLP, a global law firm. Suzanne holds a B.A. from Duke University and J.D. from Georgetown University Law Center.
Brent Mondoskin
Chief Platform Officer
As the Chief Platform Officer, Brent sets the vision for the platform and is responsible for platform direction, capability road mapping, initiative prioritization, fintech partnerships, product delivery, and firm implementations. Prior to joining FIDx, Brent held corporate strategy, distribution, and I.T. leadership roles at Jackson National Life Insurance Company, where he focused on creating and implementing innovative new revenue strategies. With 16 years in the industry, Brent has also led development, governance, and portfolio/project management teams. Brent got his start in the industry as a developer. Brent received a BA and MA degrees from Michigan State University.
Michael Kazanjian
Chief Marketing Officer
Michael is responsible for providing strategic marketing efforts aimed at driving adoption of the FIDx platform, building brand awareness and establishing the company as a thought leader in the fintech space as it relates to holistic retirement planning. Prior to joining FIDx, Michael served as VP and Chief Marketing Officer at Prudential where he was a member of the Senior Leadership Team. Michael spent the bulk of his career at Lincoln Financial Group where he was the VP of Retirement Solutions Distribution Marketing, responsible for strategic direction, planning and implementation of sales and marketing efforts across the organization. Prior to joining Lincoln, he held several roles, including, Chief Marketing Officer at Steben & Company, an alternative investment firm, and he was the Director of Marketing at ING US Life & Annuity Company. Michael began his career in the financial service industry in 2002 with Nuveen Investments. Michael earned a bachelor’s degree in English and Communications from Cabrini College in 2003 where he now sits on the Board of Trustees; He also holds FINRA Series 6.
Scott Bowers
Chief Strategy & Distribution Officer
As the Chief Strategy and Distribution Officer, Scott leads the strategic approach to client and prospect relationships. Scott is responsible for building FIDx’s partnerships with insurance carriers, OIDs and leading distribution firms. Prior to joining FIDx, Scott was the head of BlackRock's dedicated Retirement Insurance (RI) Sales Team. He also worked with the Strategic Alliance Group working with Life Insurance and Defined Contribution clients. Before that, Scott was a variable annuity specialist at ING working with Financial Professionals as well as managing relationships with sub-advisors for ING's internal sales department. Scott received a BA and an MBA with a concentration in Finance from the Goldey-Beacom College School of Business. He also holds FINRA series 6, 7, 63, 65, and 24 licenses.
James Caparosa
SVP, Head of National Accounts
As Senior Vice President, Head of National Accounts for FIDx, James is responsible for growing platform distribution and ensuring a best-in-class client experience. James has a passion for helping advisors integrate insurance solutions seamlessly into their practice and driving efficiencies through the effective use of technology. As a veteran insurance industry executive, James has led high performing sales, distribution, and relationship management teams for over 20 years. He has successfully provided strategic direction and leadership for both Fortune 50 firms and technology start-ups. Mr. Caparosa holds an MBA in Management, RICPA from The American College, and a bachelor's degree in Marketing and Finance from University of Tampa. In his personal time, he volunteers to coach youth baseball and hockey. He is an avid outdoorsman, triathlete and enjoys spending time with his time with family and friends camping.
Nate Einhorn
VP of Finance
Nate has worked in the Financial Services industry for the past 10 years. Most recently serving as the Controller of New Rhein Healthcare Investors. While at New Rhein Nate was responsible for building the foundation for all facets of Treasury, Accounting, Investor Relations and Operations. Prior to joining New Rhein, Nate was a Manager in the Wealth and Asset Management group at Ernst & Young where he was responsible for running assurance engagements for private equity and venture capital clients. Before joining Ernst & Young, Nate advised significant real estate, consumer services, and technology companies with Berdon LLP in New York. Nate is a Certified Public Accountant and holds a BA in Accounting and Finance from the University of Delaware.
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1. (Financial Professional) Select annuities as investment type in Proposal Properties section.
2. (Financial Professional) Client date of birth, gender, and two-letter state abbreviation are required for product filtering and insurance carrier illustration. While the rest of the client information is not required at this point, an additional data entered now pre-populates the account application later in process.
3. (Financial Professional) A drop-down menu will appear for ‘annuity type’ based on products configured by the firm Contract state vs. solicitation stat and owner vs. annuitant relationships are supported on the platform.
4. (Financial Professional) Available annuity products will appear based on previously entered information. Choose ‘select’ for the product in the proposal. The first licensing and appointment (L&A) check will occur after selecting product.
5.(Financial Professional) For some annuity products, additional details may be added for a more thorough illustration. Hit the ‘actions’ button and enter the required information. Choose ‘finish’ one all data has been entered. For some annuity products, additional details may be added for a more thorough illustration. Hit the ‘actions’ button and enter the required information. Choose ‘finish’ one all data has been entered.
6. (Financial Professional) Build the sub-account portfolio for the annuity. Select the magnifying glass icon to search to full list of available sub accounts and assign percentages and target drift amounts. The firm’s investment policy rules will apply in this section, and the proposal will not proceed unless the model risk is within the firm’s guidelines.
7. (Financial Professional) For fee-based annuities, a debit account must be selected for the annuities’ advisory fees to be debited from. An on-platform account is an account on the ENV platform. An off-platform account refers to a brokerage account through firm’s custodian.
8. (Financial Professional) Advisors will generate proposal and can review the following new documents: - Investment Strategy report that includes the annuities or annuities and investments - Statement of insurance selection - Carrier illustration
9. (Financial Professional) Once documents are reviewed, the application can be completed through digital account order entry by selecting the toggle icon ‘Insurance Policy Opening.’
1. (Financial Professional) From the Account Opening section of the proposal, click on the gear icon next to the annuity product name. Select Launch to Insurance Policy Opening.
2.(Financial Professional) A message to consent to launch into AOE and the FIDx environment will appear. Select yes to proceed. Once selected, you will not be able to reset or edit the existing proposal.
3. (Financial Professional) At this time, FIDx runs the 2nd L&A check on the advisor for the selected insurance carrier and annuity product. Follow the instructions provided by the carrier to review your licensing and appointment status. If no message appears, there is no additional work is needed to sell the product. Users will land on the first page of the insurance carrier application. A drop-down menu icon will appear in the upper right-hand corner. Clicking the drop-down menu icon will display all sections of the application that need to be completed before submitting to the client for signatures.
4. (Financial Professional) The red exclamation mark identifies sections that are incomplete and require additional information. • The green check mark confirms sections that are complete with all required information. • Clicking on a section from the drop-down menu will advance you to the selected page. Use this to navigate through the entire digital application process and toggle back and forth through sections.
5. (Financial Professional) A data entry completion percentage will be in the upper right-hand corner of the application window. This will show the progress of the application. The data entry percentage will reach 100% once all the required fields in the application have been completed.
6. (Financial Professional) The Show Validations button permanently displays in the upper left-hand corner of the application page. Selecting Show Validations will display red information bubbles describing what information need to be entered in the required field. • Once clicked, the ‘Show Validations’ button will turn to ‘Hide Validations’. • Hover over the red information bubble to read the message.
7. (Financial Professional) Data Entry • Fields highlighted in red represent required information that needs to be completed. • Fields that are grayed out represent data that was already entered into the ENV proposal and cannot be edited. o If information in the grayed out box is incorrect, the ENV proposal needs to be updated. • Fields that are not highlighted in red nor grayed out represent fields that can be completed but are not required.
8. (Financial Professional) Use the ‘Next’ and ‘Previous’ buttons to navigate through the application. Additional questions may display based off provided answers. Certain forms within the application may require a wet signature (such as 1035 exchange form). A message will display from the carrier when certain forms need to be printed out to obtain a wet signature.
9. (Financial Professional) Additional Documents Upon completion of the application package, external documents that may be required for application submission can be uploaded. • To upload documents, select ‘Yes’ • Select ‘Upload Documents’
10. (Financial Professional) Select ‘Choose File’ and select document(s) to include in the application package.
11. (Financial Professional) Choose Signature Method The application may be sent digitally for clients to E-Sign or printed for clients to wet-sign. Wet Signature • Select ‘No’ on Consent to E-Sign • Chose ‘Print PDF’ option to print entire application package • Once client signs all paperwork, return to this location and select ‘Upload Signed PDF’ to upload signed application • Select ‘Yes’ when uploading documents is complete
12. (Financial Professional) E-Signature: • Select ‘Yes’ on Consent to E-Sign • An option to print documents will be available. Select ‘I have downloaded my documents page or am electing to skip this step’. • A pop-up message will appear on screen confirming data entry is complete • Select ‘close’ and ‘continue to next step’ in the upper right-hand corner to proceed to signing
1. (Financial Professional) 1st L&A Check with Carrier Depending on the carrier/product, there may be an embedded illustration.
1. (Financial Professional) The application may be sent digitally for clients to E-Sign or printed for clients to wet-sign.
2. (Financial Professional) Select ‘No’ on Consent to E-Sign • Chose ‘Print PDF’ option to print entire application package. • Once client signs all paperwork, return to this location and select ‘Upload Signed PDF’ to upload signed application. • Select ‘Yes’ when uploading documents is complete.
3. (Financial Professional) • Select ‘Yes’ on Consent to E-Sign. • An option to print documents will be available. Select ‘I have downloaded my documents page or am electing to skip this step’.
4. (Financial Professional) • A pop-up message will appear on screen confirming data entry is complete. • Select ‘close’ and ‘continue to next step’ in the upper right-hand corner to proceed to signing.
5. (Financial Professional) Client Signature • Once landing on Signatures page, select ‘Owner’ There are two options for E-Signature delivery: • Sign Now- Client is ready to sign in person (on computer or tablet) • Send Email Request- Client will be signing remotely
6. (Financial Professional) Enter the following client information: •ID Number (driver’s license, passport, • state issued ID, or resident alien ID) • Name • Last 4 digits of SSN/Government ID • Date of Birth • Email address
7. (Financial Professional) • Before signing, client must review all documents and select ‘I have reviewed and agree with the terms expressed within this document’. • Client selects ‘Sign’.
8. (Financial Professional) • Client can either sign on yellow pad OR enter full name into the ‘Signer Full Name’ field. • Client selects ‘I consent’. • Advisor completes signing process. • Once the last signature has been entered, system will show message ‘application is pending review’.
9. (Financial Professional) Send Email Request • Select ‘Send Email Request’ Enter the following client information: • Name • Email • Last 4 digits of SSN/Government ID • Date of Birth • The right-hand side will display a pre-populated message for the email to the client. This can be edited or customized.
10. (Financial Professional) There are two options to send the email • Send Email Request- Email is immediately sent to client from system. Confirmation will appear that email was sent. • Client will receive email with unique URL and enter DOB and last 4 digits of SSN to access application. • Client will review and sign forms.
11. (Financial Professional) Generate Link Without Email • System will generate unique URL for client in current screen. Advisor must send URL to the client themselves. • Client will select unique URL and enter DOD and last 4 digits of SSN to access application. • Client will review and sign forms.
12. (Financial Professional) Client Signature (Send Email Request) • After advisor selects ‘Send Email Request’, the client will receive email to access and sign the application. Client will click URL to access application • Client will enter either last 4 digits of SSN and DOB or unique passcode generated from platform and select ‘Enter’.
13. (Financial Professional) After entering information, clients will see screen that allows them 3 different activities: Contact Agent, Review Documents, and Sign Activity.
14. (Financial Professional) Contact Agent- allows client to send email directly to advisor regarding application. Review Documents- Client may review entire application package without signing documents. • Opens new window of PDF to review. • Sign Activity- Client signs documents. • Select ‘I have reviewed and agree with the terms expressed within this document’ for each document.
15. (Financial Professional) After signing each document, client comes to ‘Capture Electronic Signature’ page. • Type in Full Name and City. • Select ‘I Consent’. Client receives confirmation that application has been signed.
16. (Financial Professional) Advisor Signature After the client signs documents, the advisor will receive an email confirmation that the client has completed application. Locate the proposal and launch into ‘Insurance Policy Opening’. Select ‘Agent’ to kick off the advisor signature process.
17. (Financial Professional) Select the box ‘I have reviewed and agree with the terms expressed within this document’ to sign on each form. • Type in the city where signature is taking place. • Select ‘I consent’.
18. (Financial Professional) • A confirmation will appear that the application was submitted. • The signed application can be downloaded by selecting ‘click here’. • The application will automatically be routed to the appropriate supervisory review channel.
Browser Support: • Chrome • Firefox • Safari • Edge Recommendation is to use automatic browser updates to ensure the browser is up-to-date. FIDx.com and FIDx Partner Portal logged-in sessions are not supported at the same time in different browser tabs. Recommendation is to log into one site, complete your work, logout, close the tab, open a new tab and log into the other site and complete work. The risk with having multi-tab sessions open is an issue where product selection will display zero products. Second recommendation is to use different browsers for each site. Browser third party cookies must be enabled to support the FIDx experience. If cookies are blocked there could be issues launching account order entry.
1. (Financial Professional) Accessing Online Reports via the Practice Tab • Practice Tab > Book of Business Reports • From the Practice Tab click on Insurance Contracts in the sidebar menu in the Book of Business Reports. • Here the advisor can view all their clients with insurance contracts. They will be grouped by Contract Type.
2. (Financial Professional) • Clicking on the Account Number will open a General tab and History tab for that account. • Under the General tab the Advisor can view Insurance Contract Details.
3. (Financial Professional) Accessing Online Reports via the Clients Tab • Selecting the Client Name will direct the advisor to the Financials tab of the client.
4. (Financial Professional) • Within the Financials tab, the annuity will appear under both Assets and Insurance Contracts. • Selecting the annuity hyperlink underneath Insurance Contracts will direct the advisor back to the annuity details. • Selecting the annuity hyperlink underneath Assets will direct the advisor to the Positions tab of the account.
5. (Financial Professional) • Here the advisor can view the subaccounts, make model changes, and generate in-force transactions. • Selecting the name of the annuity product will launch the Research Center.
Using the platform
The Envestnet Insurance Exchange simplifies the process of adding annuities for your clients. The platform gives you the ability to generate the proposal, select the appropriate contract, riders and investments, and if applicable, to generate the Statement of Investment Selection and Statement of Insurance Selection. Getting started is easy, just click through the training modules below and reference materials provided here. It’s a good idea to check out the technical requirements before jumping in. And if you need assistance, select the Help button to get in contact with the right person to get you on your way.
L&A
E-Signature
Proposal Process
Reporting
AOE
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From MoneyGuidePro
1. From MyBlocks, scroll down to 'Protect Your Family'
2. Select and click Income Protection to launch the Protected Income Block
3. This opens the Protected Income Block where you can begin to evaluate your client’s potential income gap. Click Next
4. If you already have a plan built in MoneyGuide, that information is pulled over. Once done, Click Next
5. Here, you’ll set expected expenses in retirement. You can either use the Program Estimate, or fill in your own. You can also choose what percentage of those expenses would be considered essential. Once done, Click Next
6. This screen goes deeper on the client’s current investments, like total value of Investment Assets and how much they’re allocating to their Qualified Accounts Once done, Click Next
7. You’re now in the Income Planning tool where you’ll first see the client’s expected expenses mapped out over the length of their planned retirement. Click Next to add Social Security
8. Clicking Next again brings in the client’s income gap and with one more click the annuity is added in to close the gap
9. This final screen before launching FIDx shows how much income the annuity will generate and how it impacts the lifetime income gap. From here, Click Launch FIDx to select an OID.
10. Once in FIDx, choose the OID you’d like to work with. To learn more about our OID partners, Click Here.
From Tamarac
1. Start by creating a proposal for your client. Click Save and Continue.
2. Assess client risk tolerance based on goals and objectives for the holistic proposal. Click Save and Continue.
3. From here, click Add Contract to add an annuity to the proposal. Click Save and Continue.
4. Here you will include annuity account strategy information, such as amount, owner, annuitant, and more. Hover over the blue question marks for more information about Contract and Solicitation state. Then choose Select Annuity Product to proceed. A warning will appear if any details are missing. Click Save and Continue.
5. Select the Outsourced Insurance Desk company you’d like to work with.
6. This screen gives you details about the OID you selected and the current carriers and products they offer. Also includes their phone number, website and other helpful details. Click Next.
7. Use this space to include any additional information about the client and case you’d like. For example, “Client would like to start taking income at age 70.” Click Next.
8. This screen confirms the OID has received your request. Click Save and Continue.
9. Once the OID has reviewed the case, you will see the proposal here. To see the details of what is being proposed, click View Strategy. Click Save & Continue.
10. Case Details shows the benefits selected, the underlying asset allocation, confirms owner, annuitant, and other important details. The illustration for the annuity is in the Documents section at the bottom of the page, click Download PDF to view.
11. Next, click Reject or Continue. If you click reject, you’ll be given an option to provide details as to why.
12. In this step, you can set up the advisory fee. You can choose from an on platform or off platform account. Click Save and Continue.
13. Review the fees that will get shown to the client in their statement of insurance selection/paperwork. Click Continue.
14. Proposal overview. Shows you the how the strategy fits into the client’s plan, risk and objectives. Click Annuity contract account opening and review with client.
15. If you and the client agree with the proposal, click “Yes, let’s proceed,” instructing the OID to issue the contract.
16. From here, the OID will contact the client for signature. Once complete, the annuity will show up in your reporting tools.
From MoneyGuideElite
Tamarac FAQ (Download)
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Lincoln Financial Group® affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not provide tax, accounting, or legal advice. Please consult an independent advisor as to any tax, accounting, or legal statements made herein. Variable annuities are long-term investment products designed for retirement purposes and are subject to market fluctuation, investment risk, and possible loss of principal. Variable annuities contain both investment and insurance components and have fees and charges, including mortality and expense, administrative, and advisory fees. Optional features are available for an additional charge. The annuity’s value fluctuates with the market value of the underlying investment options, and all assets accumulate tax-deferred. Withdrawals of earnings are taxable as ordinary income and, if taken prior to age 59½, may be subject to an additional 10% federal tax. Withdrawals will reduce the death benefit and cash surrender value. Investors are advised to consider the investment objectives, risks, and charges and expenses of the variable annuity and its underlying investment options carefully before investing. The applicable prospectuses for the variable annuity and its underlying investment options contain this and other important information. Please call 888-868-2583 for free prospectuses. Read them carefully before investing or sending money. Products and features are subject to state availability. Lincoln ChoicePlus AssuranceSM Advisory variable annuities (contract form 30070-A and state variations) are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so. Contracts sold in New York (contract form 30070ANY 5/03) are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. All contract and rider guarantees, including those for optional benefits, fixed subaccount crediting rates, or annuity payout rates, are subject to the claims-paying ability of the issuing insurance company. They are not backed by the broker-dealer or insurance agency from which this annuity is purchased, or any affiliates of those entities other than the issuing company affiliates, and none makes any representations or guarantees regarding the claims-paying ability of the issuer. There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan.
Lincoln Financial Advisors, broker/dealer, registered investment advisor and members of FINRA and SIPC is the retail and financial planning affiliates of Lincoln Financial Group. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Insurance offered through Lincoln affiliates and other fine companies.
Envestnet, Inc. has a financial interest and occupies a board of director positions in Fiduciary Exchange LLC (FIDx). Envestnet is not an insurance agency and as such, does not sell or make any recommendations related to the purchase of annuity or insurance products. Insurance products are only sold or recommended by insurance licensed financial professionals or through a third-party intermediary licensed as an insurance agency. Fiduciary Exchange LLC (FIDx) is a technology firm offering solutions that connect the brokerage, insurance, and advisory ecosystems. FIDx does not provide any advice or make any recommendations with respect to any insurance or other financial products and does not solicit, offer or sell any insurance or other financial products. Financial professional use only. © 2022 Fiduciary Exchange LLC. All rights reserved.
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North Terry Brems, 617.869.9459, Terence.Brems@lfg.com Chris Ochnich, 484.583.2324, Chris.Ochnich@lfg.com South Kyle Marceau, 603.226.5908, Kyle.Marceau@lfg.com Chris Ochnich, 484.583.2324, Chris.Ochnich@lfg.com Central Bill MacDougall, 603.724.0886, Bill.MacDougall@lfg.com Andy Thom, 484.583.2350, Andy.Thom@lfg.com West Nora Ashworth, 603.568.5568, Eleanor.Ashworth@lfg.com Andy Thom, 484.583.2350, Andy.Thom@lfg.com
Advisory Consultants
Aaron Gordon – VP, LFN Managed Account Sales, 202.253.3872, Aaron.Gordon@lfg.com
Julia Stuhltrager, 484.583.2479, Julia.Stuhltrager@lfg.com Alex Neumann, 484.583.2501, Alex.Neumann@lfg.com
Advisory Specialists
844.453.6224 Kelli O’Neil - Internal Sales Manager, Managed Accounts, 484.583.2326, Kelli.Oneil@lfg.com
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Ian Strain – FIDx Account Manager Account Sales, 484.212.6225, istrain@fid-x.com
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