1055462-00003-00 Ed. 09/2022 ISG_WE_ANN490_01
Annuities are issued by The Prudential Insurance Company of America and Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2022 Prudential Financial, Inc and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
Apr: Impact of the SECURE ACT
Mar: Tax Efficient Investing
Feb: Tax Benefits
Jan: New Year's Fast Start
Aug: Health Care | Social Security
Jul: Inflation
Jun: History of the Markets
May: Managing Retirement Risk
Dec: Closing the Year Strong
Nov: Protect Your Income
Oct: Protect Your Growth
Sep: Protection Strategies
For Financial Professional Use Only. Not For Use With The Public.
Coming in August: Health Care | Social Security
Coming in July: Inflation
Coming in June: History of the Markets
Coming in May: Managing Retirement Risk
Coming in December: Closing the Year Strong
Coming in November: Protect Your Income
Coming in October: Protect Your Growth
Coming in September: Protection Strategies
Accessibility
Coming in April: Impact of the SECURE ACT
Coming in March: Tax Efficient Investing
Coming in February: Tax Benefits
The Trimester Campaign’s focused monthly topics, along with the Alliance for Lifetime Income educational information, will help you have deeper, more action-oriented conversations with clients.
CONTACT YOUR PRUDENTIAL WHOLESALER OR THE SALES DESK AT 800-513-0805
Text Alternative
Meet clients’ evolving retirement challenges with strategies to start the conversation. We’ll help you analyze and implement retirement strategies to help clients achieve their goals.
You’re their rock. We’re here to be yours.
33%: Financial Professionals believe 33% of portfolios should be in annuities
This consumer brochure provides tax information on the 2022 Estate and Gift tax rates, RMDs, Traditional and Roth IRAs, and Qualified Plans.
Jump right into your year with retirement strategies that can provide more predictable and protected sources of growth and income along with tax benefits. Use the resources here to start client conversations about topics that matter most, beginning with taxes. We’ll help.
Financial Professionals believe 33% of portfolios should be in annuities.*
33
%
• Ready conversation points for you and your wholesaler.
Using retirement strategies that include annuities can broaden and strengthen your business. This infographic flyer delves into the 3 main ways it can benefit your business. It features:
• Stats for why annuities are a powerful addition to your business and clients’ portfolios.
• 3 quick reasons to consider annuities for your business.
•
Reiterate the importance of tax diversification and talk about how annuities can help reduce tax exposure
Use the information as proof points in your discussion around taxation in retirement
Keep this pdf on your devices for quick access and reference
Taxes are as uncertain as they’ve ever been, and clients look to you for guidance about preparing for taxes in retirement. Use these materials to help clients understand how taxation in retirement works and how your approach could work.
Use the questions on slide 22 to start the conversation with clients
Get comfortable with slide 14, which charts 2021 income tax with proposed changes
Review slide 13, which summarizes the changes expected in President Biden’s tax plan
Familiarize yourself with the presentation
Tax changes are top of mind and legislative changes may be looming. Until they do happen, use this presentation to understand the: Risk of higher taxes, Importance of tax efficient investing, and Planning implications and opportunities.
Want to learn more? Contact us! National Sales Desk: 800-513-0805 Dedicated RIA Sales Team: 855-PRU-RIA1
We want to support your sales efforts end to end. You do not have to be an annuities expert. We’re here to be your Rock to help power your business. We will be part of your team to help you meet the growing demand for protected outcomes. We can help: • Analyze clients’ needs • Find and design protection and income strategies • Simplify the new business process • Support you and clients in post-sale activities
1055315-00002-00 Ed. 01/2022 ISG_WE_ANN281_01
Investors should consider the features of the contract and the underlying portfolios' investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained by contacting the National Sales Desk. Clients should read the prospectus carefully before investing. Annuities are issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. Prudential Annuities is a business of Prudential Financial, Inc. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please have clients consult their own attorney or accountant. © 2022 Prudential Financial, Inc and its related entities. Prudential Annuities, Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
*Drinkwater, Matthew. The right amount for the right clients. Advisor views on annuities. LIMRA, 2021. Accessed 12/14/2021.
Tax Benefits live in February
DEC: Closing the Year Strong
NOV: Protect Your Income
OCT: Protect Your Growth
SEP: Protection Strategies
Protecting Clients
Trimester 3
AUG: Health Care | Soc. Security
JUL: Inflation
JUN: History of the Markets
MAY: Retirement Risk
Coming in May: Retirement Risk
Managing Risks
Trimester 2
APR: Impact of the SECURE Act
MAR: Tax-Efficient Investing
FEB: Tax Benefits
JAN: New Year's Fast Start
Tax Environment
Trimester 1
Home
Text Alternative PDF
Download Now
says about Index-linked Annuities
See what Kiplinger
See what Kiplinger says about Index-linked Annuities
Article
* Drinkwater, Matthew. The right amount for the right clients. Advisor views on annuities. LIMRA, 2021. Accessed 12/14/2021.
the current page - JAN: New Year's Fast Start
Alliance for Lifetime Income
Go to the sticky navigation bar on this page
In 2021, the average price of food in the United States surged 6.3%.*
6.3
1056163-00003-00 Ed. 02/2022 ISG_WE_ANN299_01
Annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2022 Prudential Financial, Inc and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
*U.S. Inflation Calculator. Food Inflation in the United States (1968-2021).
Tax-Efficient Investing coming in March
If you live and work in one of the top 10 most-taxed states, pay particular attention to the growth needed.
An infographic flyer that shows the rate of return required by a client’s investments for them to break even after state taxes. It takes into consideration state and federal taxes and a 3% rate of inflation.
Pivot the discussion to which financial vehicles can offer tax deferral.
This simple, 2-page flyer explains tax deferral in a simple way to make it easy to understand. There are charts and highlights to explain the concept.
Page 3 talks about how an annuity can give a client tax deferral, compounding, and protected income. This is of particular importance in this piece.
This 4-page report explains the power of tax deferral and compounding to help you meet clients’ retirement needs.
Use the tax trigger questions on page 3 to start conversations with clients.
A 4-page flyer discusses the importance of critical tax challenges that will impact clients’ portfolios.
The tax benefits of annuities are undeniable. Portfolios that contain an annuity do more than just provide a tax-advantaged source of income in retirement. Studies show that clients feel more confident in their future income and are more satisfied with you, their financial professional.
Share this client tool
Go to Take the Tax Challenge >
• An interactive infographic that breaks down retirement vehicles by when taxes are due. • A simple way to help you see gaps in a client’s retirement plan from a taxation perspective. • A worksheet that documents your discussion and can be printed or emailed to the client.
Help clients keep as much of their hard-earned money as possible by managing when and how their retirement assets are taxed. Use the client-approved experience and worksheet to see how diverse a client’s portfolio really is.
Pivot to the importance of having market participation with the protection an annuity can provide.
Surging inflation is a real and present challenge that must be considered in your retirement strategies. Stay informed and ready.
6.3%: In 2021, the average price of food in the United States surged 6.3%.
Tax uncertainty is a concern that you can help alleviate. Clients need to understand the impact of tax- and fee-drag on their retirement investments. While Roth strategies are a good start for some, tax-deferred growth within their portfolios can put them in a winning position. Talk with clients about the tax benefits of annuities using the resources found here.
855-PRU-RIA1
Dedicated RIA Sales Team
800-513-0805
National Sales Desk
Coming in July: InflationJUL: Inflation
the current page - FEB: Tax Benefits
Share with clients to reinforce the importance of staying invested during high inflationary periods.
Use the examples to understand how to apply these tax issues to a client’s portfolio.
Review the sections: Long-term Capital Gains Tax, Tax Drag, Turnover Ratio, Taxes vs. Fees, and Tax-Efficient Growth.
Familiarize yourself with the charts on pages 2 and 3.
Review the report and identify points to use in conversations with clients.
Use the Take a Look section to explain the charts.
Refer to the flyer when explaining the value of tax deferral.
Explain how important it is to think of the toll taxes take on their investments.
Keep this flyer handy to share with clients.
of baby boomers
vs.
23
of gen xyz
58
1057305-00002-00 Ed. 03/2022 ISG_WE_ANN370_01
*2019 Fidelity Investor Insights Study.
This worksheet can help clients define their retirement goals, establish a budget, and identify their desired lifestyle in retirement.
Turn the conversation to these expenses and then to what it does not factor in.
An interactive and customizable flyer that looks at essential expenses over a 20-year retirement for a 65-year-old couple.
Read the example to see exactly how this can work in real life with clients.
This 2-page flyer delves into how clients can fund a Roth IRA with an annuity. It looks at clients who might benefit from this concept, important considerations, and more.
Slide 33 summarizes how the 1040 is a roadmap to help uncover planning needs.
This presentation walks you through the valuable information that can be found in a client’s 1040. It summarizes ways to unearth a client’s protection needs and other challenges.
Uncover ways to help clients be more tax-efficient in their retirement investing and make yourself even more valuable to them. The materials found here can help give you approaches to consider and ways to spark the conversation.
Go to the Annotated 1040 >
• Annotations and highlights indicating places to focus your discussions. • Explanations of what certain line items mean. • Conversation points in each section of the form and questions for you to consider.
Use this annotated guide designed to help you break down the wealth of information in the Form 1040. Find out how to use the Form to uncover tax liability and more in conversations with clients.
Identify strategies and products that may help with clients’ broader needs.
would like comprehensive services that include tax planning and estate planning.*
Tax-efficient investing should be part of your holistic approach to a client’s retirement plan and can make you stand out above the rest. A retirement strategy using an annuity can round out their portfolio to help with tax diversification, income, and more. We’ll help. You’re their rock. We’re here to be yours.
Impact of the SECURE Act live in April
58% of gen xyz versus 23% of baby boomers
Our popular consumer-approved piece for your tax discussions.
Focus on Taxes
The current page - March: Tax-Efficient Investing
Slides 10-32 highlight how lines in the 1040 can be used to talk about their needs and what might be considered for a stronger plan.
Refer to slide 9. This summarizes all the information you can unearth in the 1040.
Review the introduction to understand the advanced rollover opportunity.
Familiarize yourself with the Target Market and consider which clients or prospects might benefit from this strategy.
You can use it to calculate the income needed to cover these basic costs..
It highlights average expenses for food, clothing, shelter, transportation, health care, and taxes. It is important to note that it does NOT consider vacations, gifts, entertainment and more.
Use this worksheet to further the conversation. Make sure a partner or spouse is considered in these calculations.
Review page 2 with a client to establish what is an essential need and how important it is to have a concrete plan to cover them.
Page 3 is a worksheet to calculate and estimate monthly essential expenses and income.
*
IN WEALTH TO CHARITY
IN WEALTH TO HEIRS
and
OVER THE NEXT 25 YEARS U.S. HOUSEHOLDS WILL TRANSFER
1058086-00002-00 Ed. 04/2022 ISG_WE_ANN396_01
Annuities are issued by Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. Prudential Retirement Strategies is a business of Prudential Financial, Inc. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2022 Prudential Financial, Inc and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
Investors should consider the features of the contract, index strategies, and the underlying portfolios’ investment objectives, policies, management, risks, charges and expenses carefully before investing. This and other important information is contained in the prospectus, which can be obtained by contacting the National Sales Desk. Clients should read the prospectus carefully before investing.
* Cerulli Associates, U.S. High-Net-Worth and Ultra-High-Net Worth Markets 2021: Evolving Wealth Demographics, January 2022.
Managing Retirement Risk coming in May
• Analyze clients’ needs • Find and design protection and income strategies • Simplify the new business process • Support you and clients in post-sale activities
You don't have to be an annuities expert. We’re here to support your sales effort end-to-end and help grow your business. We can help:
Review the multi-generational case study. It covers three generations in detail.
This is a comprehensive brochure for attorneys, CPAs, and other advisors that explains why a trust-owned annuity can help with taxation and wealth transfer.
See how an annuity can help, and consider the clients you’ve identified as ‘at risk.’
This two-page business builder details the target market, the challenges, and why funding a trust using an annuity can be an important estate planning approach.
The materials found here can help give you approaches to consider and ways to spark the conversation.
Go to the case study >
• Details about how a non-qualified stretch can help. • A comprehensive chart showing how to leave more over time with the stretch strategy. • Details around the stretch and annuitization options.
Take advantage of this detailed case study to help clients who may suffer from fewer ways to mitigate taxes on their passed legacy.
Over the next 25 years U-S households will transfer 72.6 trillion dollars in wealth to heirs, and 11.9 trillion dollars in wealth to charity [footnote *]
The 2019 Secure Act limited the option to stretch IRA assets, which was a key legacy planning strategy. This brought renewed attention to the benefits of a non-qualified stretch, only available through an annuity. Explore how it can provide income in retirement and substantial benefits to clients’ families, even extending across several generations. We’ll help. You’re their rock. We’re here to be yours.
The current page - April: Impact of the SECURE Act
Understand the challenges; speak with your Prudential wholesaler for any questions.
Review the target market and check your book of business for potential conversations.
Refer to the “did you know” and chart on page 2 for trust tax rates vs. individual tax rates.
1058987-00001-00 Ed. 05/2022 ISG_WE_ANN397_01
Annuities are issued by The Prudential Insurance Company of America, Newark, NJ, and its affiliates. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2022 Prudential Financial, Inc and its related entities. Prudential, the Prudential logo, the Rock symbol, and the Retirement Red Zone are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
You don’t have to be an annuities expert. We’re here to support your sales efforts end to end and help grow your business. We can help: • Analyze clients’ needs • Find and design protection and income strategies • Simplify the new business process • Support you and clients in post-sale activities
If an income gap is uncovered, be prepared to talk about ways to fill it.
You can help your client meetings be more effective using this interactive worksheet. It helps clients calculate their essential expenses and income (including their spouse).
Bookmark pages to review with clients. For example, the Social Security Decision Tree on page 10, the Retirement Savings Checkpoints on pages 13 and 14, and the Medicare Decision Tree on page 33.
Stand out to clients by arming yourself with a detailed knowledge base about the threats to retirement. These retirement insights can elevate your client conversations.
Walk through it with your Prudential wholesaler and ask questions to help you discuss these topics with clients.
You’ll get comprehensive details about managing risks to retirement in the Retirement Red Zone presentation. You’ll be able to turn this information into powerful client conversations.
Be prepared with answers so the client knows you can help put them in a winning position
You can use this infographic with clients to help impress upon them the importance of protecting themselves from retirement risks. It gives you support as you talk about each risk so you can pivot to answers.
Most U.S. retirees will outlive their savings by
It’s a critical time when clients need a strategy to grow and protect what they’ve saved for retirement. They face risks of uncertain markets, rising costs, and living longer. Help them see how transferring a measure of risk to an annuity can help increase the probability of successful retirement outcomes. Materials and support this month can help you have these important conversations with clients. You’re their rock. We’re here to be yours.
History of the Markets coming in June
Contact your Prudential Wholesaler or the Sales Desk at 800-513-0805.
Most U-S retirees will outlive their savings by 8 to10 years, [footnote *].
The current page: May: Retirement Risk
8-10
years
Familiarize yourself with the sections of the guide: Retirement Landscape, Saving, Spending, Investing, and Defined Contribution.
On to the Senate:
House passes SECURE 2.0
On to the Senate: House passes SECURE 2.0
* World Economic Forum, Investing in (and for) Our Future, June 13, 2019.
Bring supporting information for each risk, if you know that a particular client needs to address it.
Talk through the stats in your client meetings.
Review slide 33, “Managing Retirement Risks.” Understand the three ways to manage risk in retirement – Avoid, Retain, and Transfer. This is what clients need to understand.
Review the three sections: Retirement income then and now, Seven risks to retirement income, and Managing retirement risks.
Use the charts and explanations on pages 28 and 29 to talk about sequence of returns risk and the benefit of a flexible withdrawal strategy.
Prior to your meeting, give clients a heads-up about what information they might need to complete this worksheet.
Have this piece handy on your laptop or tablet when meeting with clients.
1059619-00001-00 Ed. 06/2022 ISG_WE_ANN440_01
You’ll be able to start conversations about sequence of returns risk using this flyer. There are visuals that will help guide you.
Discuss how missing even a few trading days could mean missing some of the market’s biggest gains. The chart that puts actual numbers to this concept is on page 2.
You can approach clients more confidently when you have a variety of information at your fingertips. This flyer from Franklin Templeton will help you explain the important points of market volatility and how staying true to an investment strategy can help.
Be prepared with answers so the client knows you can help them prepare for the next down market.
You will be able to share stats, charts, and graphs to help you explain the effect of market volatility over time. It’s a great piece to pivot your conversation to the importance of keeping emotions in check when the market is falling.
How clients react during times of market volatility can make or break a long-term investment strategy. Show clients how market performance has patterns that repeat themselves; the market goes down then corrects itself…that’s history. Customize a plan with products and strategies that can help protect clients no matter what the market is doing. You’re their rock. We’re here to be yours.
RETIREMENT STRATEGIES | JUNE | HISTORY OF THE MARKETS
Inflation coming in July
60% higher returns: (a two-bar graphic illustrates) U.S. Stocks (rose 10.6%), and Investor Behavior (rose 4.1%) over a 30-year annualized returns period (1991 to 2021)
the current page June: History of the Markets
Talk about the real options clients may face if they don’t have a plan: they may need to delay retirement, be forced to hope for unrealistic returns, or change their lifestyle in retirement.
Compelling conversations with clients
Presentation
Trust the market, not emotions, for stronger performance over time.
30-year annualized returns (1991 – 2021)*
Refer to the charts that show what can happen if investments lose money just before retirement.
Talk to the stats on page 1. Use them to explain the reality of market ups and downs.
*Invesco Distributors, Inc., March 30, 2022. Navigating Volatility: Compelling Wealth Management Conversations.
Investor Behavior (4.1%)
higher returns
60%
U.S. Stocks (10.6%)
Refer to the chart that illustrates positive versus negative average annual returns for the S&P 500 (1937–2021).
Compelling Wealth Management Conversations
Navigating Volatility
Show the chart on page 3, Mathematics of Loss, and discuss how withdrawals in a down market can be devastating.
Talk about the stats on page 2 in your client meetings (i.e., There have been 26 market corrections since 1945).
1060481-00002-00 Ed. 07/2022 ISG_WE_ANN444_01
Annuities are issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2022 Prudential Financial, Inc and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
Establish yourself as a leading authority on inflation and how it will affect a client’s future. This presentation will help you walk a client or clients through this important topic and provide an opening for questions.
Pivot your conversation to their current plan for retirement and whether it needs to be reconsidered for inflation.
Energize your conversations around inflation! Share our new flyer with clients to help them understand the great effect inflation has on their retirement purchasing power.
Use the ‘Other’ field to represent non-essential expenses like vacations, gifts, entertainment, dining out, and more.
You can help clients understand the real numbers they need to plan for in retirement with this interactive piece. Recently updated so now you’ll be able to look at even more realistic figures. It’s a great way to start the conversation about how much they’ll need for basic expenses in retirement.
Inflation is top of mind for many investors as it has surged to the highest levels seen in 40 years. Clients need investment strategies that can help grow their assets and build income to maintain their purchasing power. Customize a plan with products and strategies that can help protect clients even if inflation continues to rise. We’ll help. You’re their rock. We’re here to be yours.
RETIREMENT STRATEGIES | JULY | INFLATION
Medicare/Social Security coming in August
Watch the full video here and receive CE credit
The current page - July: Inflation
Talk about slide 11 and how clients can address inflation.
Recap of global markets, thought leadership, and investment themes
Consider slide 6 that shows U.S. inflation rates over the last 30 years.
Refer to slides 4 and 5. Highlight stats of how clients are feeling about inflation and its effect on their financial choices and their lifestyle.
Fox, Michelle. Inflation is costing U.S. households nearly $300 more a month. Here’s how to adjust your budget. CNBC. March 14, 2022.
Start a conversation with clients about inflation. Specifically, about how we are at a 40-year high right now.
1
Inflation is costing U.S. households more: 296 dollars per month or 3,552 dollars per year.
Consider each expense and customize if necessary.
Share our new material with them directing them to the table showing what $100,000 will be worth over time.
As of April 2022 the rate of inflation is more than 8%—Bureau of Labor Statistics
2
Goldman Sachs Monthly Market Pulse
Get an expert’s perspective on inflation in this short video
Updated with 3% inflation assumed over a 20-year retirement.
2 Fox, Michelle. Inflation is costing U.S. households nearly $300 more a month. Here’s how to adjust your budget. CNBC. March 14, 2022.
Coming soon
Clients need investment strategies that can help grow their assets and build income to maintain their purchasing power. Customize a plan with products and strategies that can help protect clients even if inflation continues to rise. We’ll help. You’re their rock. We’re here to be yours.
Inflation is top of mind for many investors as it has surged to the highest levels seen in 40 years.
people are very confident.
10
Use slide 34 to summarize what you’ve learned.
You’ll come away from this presentation knowing the ins and outs of social security and Medicare.
Make sure you talk about health care costs as part of a holistic plan.
When you consider what to include in a client’s retirement plan, make sure they know to include health care costs in their budget. This article talks about the "retirement income pyramid" that categorizes expenses into needs, wants, and wishes.
Use page 12 to help clients learn how to read and understand a Social Security statement.
You’ll find this to be useful in making informed decisions. Use it to help calculate full retirement age and the impact of taking Social Security benefits early.
Discuss strategies that include growth and protection to help you address health care costs.
Take advantage of this client-friendly, highly informative piece about health care expenses and Medicare. Use it to talk in depth about how clients need a plan beyond Medicare for health care expenses.
• The second is focused on clarifying Social Security and how it should not be considered a primary source of income in retirement.
You’ll get quick facts in these two new pieces to help you start conversations about planning for retirement.
Will people have enough money to pay their medical expenses in retirement? Only 2 in 10 people are very confident.
Clients may be woefully unaware of the best way to manage health care costs and Social Security in retirement. The average retiree will rely on Social Security for a significant portion of their income and assume Medicare will pay for much more than it does. Let’s tackle this together and put them in a position to thrive in retirement. You’re their rock. We’re here to be yours.
Only
in
Will people have enough money to pay their medical expenses in retirement?
• The first is focused on clarifying health care costs. Share with clients who have concerns about this hot topic.
Check out slides 20 – 34 that discuss health care expenses; bundled vs. unbundled Medicare, enrollment, LTC insurance, and strategies to cover the costs.
Refer to slides 9 – 19 to educate yourself about Social Security: the 2022 Announcements and previous changes, how to calculate benefits, and spousal and survivor benefits.
1061073-00001-00 Ed. 08/2022 ISG_WE_ANN467_01
Annuities are issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2022 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
EBRI, 2021 Retirement Confidence Survey, April 22, 2021.
Protection Strategies coming in September
The current page - August: Health Care | Social Security
An in-depth look at Managing Health Care Costs in Retirement
Refer to page 4 to discuss how two Medicare approaches, unbundled or bundled, work.
Refer to page 6, how to calculate a spouse’s benefit.
Look at how annuities can play a role in generating that income.
Review the "retirement income pyramid" and understand how it works.
Tap into the psychology of the phenomenon of impulsive decisions in down markets. Prudential’s Advanced Planning lays out the latest Insights & Ideas focusing on investor behavior.
Discuss protected retirement income as a concept and how an annuity can provide that.
Validate your conversations with clients using this piece, created by the Alliance for Lifetime Income. It covers the topic of market volatility and how clients may be concerned with losing their savings.
Potential solutions that offer downside protection and upside potential to help manage some of that risk.
Today, clients are facing rising inflation, increased market volatility, geopolitical uncertainty, and a changing but likely rising tax environment. This month, get a detailed look at how annuities can help mitigate the risks they’re facing so you can help them strive to thrive in retirement.
93%
of individual investors say that it’s important to protect assets in volatile times
A clear and concise telling of the potential risks facing the thousands of Americans retiring each day.
1062278-00001-00 Ed. 09/2022 ISG_WE_ANN488_01
Annuities are issued by The Prudential Insurance Company of America (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. All references to guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. © 2022 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
* Brandon Buckingham, JD, LLM, does not provide legal advice or practice law as an attorney for Prudential.
Protection Your Growth coming in October
The current page - September: Protection Strategies
Your link to Alliance research and insights
93% of individual investors say that it’s important to protect assets in volatile times
Discussion of why now is the time to act.
Keep yourself informed of the latest and greatest about this hot topic with this commentary. This article by one of Prudential’s premier thought leaders, Brandon Buckingham, JD, LLM, discusses the converging factors like rising inflation increase market volatility, geopolitical uncertainty, and a changing tax environment.
Learn how to overcome negative behavioral tendencies with two decision-making methodologies: reflexive and reflective.
The chart on page 2, Considering Traditional Finance Theory versus Behavioral Finance Theory, should be used to better understand behavior.
Review the highlights about how some people learn to make emotional decisions when it comes to money, which is often counter-productive in achieving financial security.
Talk about how annuities can help protect money in down markets. Highlight how this is called downside protection and make sure clients know what that means.
Cover the discussion points around different types of annuities, including fixed and indexed.
Natixis Investment Advisors 2019 Global Survey of Individual Investors.
Our women’s program highlights the disproportionate impact the pandemic had on women's finances along with insights on taking action today to help close the gap.
Use the resources linked on the flyer with clients today.
Learn more about how to maximize this opportunity with Baby Boomers who represent one of the wealthiest generations to date.
You can have deeper, more action-oriented conversations with clients with the latest monthly topics and the Alliance for Lifetime Income educational information. We’ll help you analyze and implement retirement strategies to help clients achieve their goals. You’re their rock. We’re here to be yours.
1062054-00001-00 Ed. 09/2022 ISG_WE_ANN483_01
Annuities are issued by The Prudential Insurance Company of America and Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. © 2022 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
We’re here to support your sales efforts end to end and help grow your business. We can help: • Analyze clients’ needs • Find and design protection and income strategies • Simplify the new business process • Support you and clients in post-sale activities
The current page - Alliance for Lifetime Income
Contact your Prudential Wholesaler or the Sales Desk at
Identify 2-3 Baby Boomer clients who can benefit from protected retirement income.
Check out this infographic to better understand the Peak 65 consumer.
Work with your Prudential wholesaler to discuss an engagement plan.
Consider your book of business and your female clients whom you haven’t connected with recently.
Follow the 3 steps detailed on the flyer.
Explore these articles:
Using Annuities to Offer Protection When Markets Go Down
Financial Protection: A new asset class for retirement plans
How Protected Wealth Strategies Can Help Investors
Pick up pointers and quick nuggets to meet consumers where they’re at. Tiffany has her finger on her audience’s pulse and has over 1 million dedicated followers.
Read this article to uncover why the 4% rule may not be a viable approach to income planning.
You’ll have a better understanding about the 4% rule and whether it is still pertinent in client's withdrawal strategies or not. The Alliance Educational Fellow Jason Fichtner explores whether the popular ‘rule of thumb’ around withdrawing 4% of portfolio balances to fund retirement lifestyle is sustainable.
Help clients see that adding more protection to their retirement plans can allow them to feel more confident investing for the long term.
Review the stats, take note of how investors have reacted to uncertainty.
This study will help you understand the psychology of investors a little bit better. The Alliance for Lifetime Income executed a 3-part study to uncover how investors have allowed fear to impact long-term retirement planning.
Keep these handy as a quick reference and share the tips with your team for more impactful conversations.
Take note of which words and phrases to stop using now with clients and make note of what the recommended replacement language is.
Avoid using words that can instantly turn-off clients and prospects with these scannable pieces. They are full of data-driven insights from the largest language study ever conducted in the financial services industry.
There’s a high likelihood that you have clients who are changing their retirement plans. Make sure you’re in the conversation.
Transcript
Help clients have a better understanding about SOR risk using this piece. There are charts, questions to deepen conversations, and more that will help guide you.
An explanation of RDCA risk and examples of how withdrawals can compound market losses.
Clients want ways to grow and help protect their assets in today’s uncertain times. In fact, two-thirds of Americans would protect half or more of their retirement income from loss. Help strengthen clients’ retirement portfolios by considering adding an annuity. This can help give them a way to ride out uncertain markets toward a stronger future.
84%
of annuity owners are more satisfied with their financial professional
SOR examples in both the accumulation and distribution phases.
1063093-00001-00 Ed. 10/2022 ISG_WE_ANN495_01
Life insurance and annuities are issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in New York, issued by Pruco Life Insurance Company of New Jersey), Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. We do not provide tax, accounting, or legal advice. Clients should consult their own independent advisors as to any tax, accounting, or legal statements made herein. All references to guarantees, including optional benefits, are backed by the claims-paying ability of the issuing company and do not apply to the underlying investment options. © 2022 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
Protect Your Income coming in November
The current page - October: Protect Your Growth
84% of annuity owners are more satisfied with their financial professional
Help for planning to mitigate against SOR and RDCA risks.
Find out how to help mitigate Sequence of Returns (SOR) and Reverse Dollar Cost Averaging (RDCA) risks for clients. These two separate and distinct potential threats to retirement security are highly correlated, and together, can be quite destructive.
Refer to the charts that show what can happen if investments lose money just before retirement. Use the questions to help clients see the reality of this risk.
Alliance for Lifetime Income, 2021 Protected Retirement Income & Planning Study.
See where annuities fit in to a diversified financial plan.
Learn about the financial protection asset class; life insurance, disability insurance, long-term care insurance, and annuities.
See the definition of an asset class and what they’re usually missing.
Find out about how a mix of asset types makes up a diversified portfolio. Here’s how the financial protection asset class, including annuities, makes for a potentially safer retirement plan.
Help strengthen clients’ retirement portfolios by considering adding an annuity. This can help give them a way to ride out uncertain markets toward a stronger future.
Clients want ways to grow and help protect their assets in today’s uncertain times. In fact, two-thirds of Americans would protect half or more of their retirement income from loss.
Highlights the value of income vs. savings.
At the most basic level, retirement income planning comes down to three relatively straightforward buckets: savings, income, and lifestyle.
Why annuities are well positioned in today’s uncertain market environment.
Learn how annuities can play a beneficial role in income generation and help to solve the most common retirement challenges in this Insights Bulletin from J.P. Morgan. When it comes to retirement planning, the greatest investment tools investors can exploit are diversification and annuitization.
Organizes everything into needs, wants, and wishes.
This worksheet is designed to help you personalize and organize what clients are saving so that you can help develop their retirement income plan.
See why many assume the 4% withdrawal rule may be obsolete and learn about the variables affecting this rule’s viability.
Help clients better understand the triple threats to retirement: longevity, market volatility, health care costs and long-term care. These often put Americans entering retirement at considerable risk — especially if they plan to withdraw 4% annually.
Cash flow is the most underrated tangible asset that clients have.
This Kiplinger retirement planning article uses plain-speak to get to what’s important for clients. You’ll get great talking points from it, such as, “Retirement security depends on how much sustainable cash flow clients’ retirement assets can safely and reliably produce.”
An annuity can be an effective way to create more retirement security. According to Kiplinger, “Retirement security depends on how much sustainable cash flow clients’ retirement assets can safely and reliably produce.” Make sure clients are secure no matter how long their retirement is. We’ll help. You’re their rock. We’re here to be yours.
Dispel clients’ myths of a ‘magic number’ needed for retirement and instead explain the importance of creating a cash flow they can’t outlive.
Shows protected income can offer clients "lifestyle security."
Breaks down the three buckets and how they can impact a client's retirement lifestyle.
1063610-00001-00 Ed. 11/2022 ISG_WE_ANN514_01
Annuities are issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (in New York, by Pruco Life Insurance Company of New Jersey), located in Newark, NJ (main office). Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. This material is being provided for informational or educational purposes only and does not take into account the investment objectives or financial situation of any clients or prospective clients. The information is not intended as investment advice and is not a recommendation about managing or investing a client’s retirement savings. Clients seeking information regarding their particular investment needs should contact a financial professional. © 2022 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.
ALI Cannex Protected Retirement Income and Planning Study, July 2022.
Closing the Year Strong coming in December
70%
75%
80%
85%
90%
95%
100%
35%
50%
65%
Needs
Wants
Animated graphic shows two columns: the left column descends from 100% to 70% and reads 'Needs' below. The right column descends from 100% to 35% and reads 'Wants' below.
only 70% of Americans are confident about funding retirement needs and only 35% believe they will be able to fund their wants.
Building wealth: Using assets to create an income stream that can eventually replace a paycheck from a job.
Without reliable income that keeps up with inflation, you can’t have full security in retirement, especially with people living longer.
New research and modeling, developed in partnership with the Alliance for Lifetime Income, reveals that this longstanding rule of thumb puts retirees at significant risk of running out of income.
Presents vital questions like: How will you spend your money? How will you prioritize your expenses? How will you fund them?
Features a list of 62 common retirement expenses across 14 categories.
As part of a retirement income solution, annuities can be an ideal complement to other portfolios.
Why it’s important to stay invested and the impact of what can happen when clients retire at the beginning of a declining or bear market.
Contact your sales team for the invitation.
Keep yourself informed with this commentary. This article by one of Prudential’s premier thought leaders, Brandon Buckingham, JD, LLM, discusses the converging factors like rising inflation, increased market volatility, geopolitical uncertainty, and a changing tax environment.
Congratulations on your accomplishments this year. We are thankful for your partnership and applaud your success in 2022 as you close the year strong. We look forward to being included as an integral part of your plans for 2023.
1065187-00001-00 Ed. 12/2022 ISG_WE_ANN528_01
Investor Behavior coming in January
Inflation is a greater threat than ever before.
Market volatility also causes concern.
20-year asset class annualized returns vs. the average investor.
Asset class opportunities — performance after initial rate hikes.
Investment opportunities remain, even as the Fed seeks to aggressively tame inflation.
Capital market conditions continue to be a challenge. Prudential’s broad range of strategies can help instill confidence in investors by reducing the impact of losses and helping them stay invested.
There’s still time to voice your opinion about 2022.
2-Minute Survey
Pause Motion
Nov: The Modern-Day Portfolio
Oct: Overcoming Objections
Sep: Myths and Misconceptions
Jul: Legacy Planning
Jun: Advanced Annuity Strategies
May: Income Planning Strategies
Apr: Sequence of Returns
Mar: Inflation
Feb: Tax Planning Strategies
Jan: Investor Behavior
* Does not provide legal advice or practice law as an attorney for Prudential.
Americans need to protect themselves.
The tax environment is another layer of uncertainty.
Here is a new client-approved presentation.
