1055462-00002-00 Ed. 01/2022 ISG_WE_ANN280_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.
Apr: Impact of the SECURE ACT
Mar: Tax Efficient Investing
Feb: Tax Benefits
Jan: New Year's Fast Start
You’re their rock. We’re here to be yours.
* https://www.protectedincome.org/wp-content/uploads/2021/06/ALI-CANNEX-PRIP-Research-Summary-6.20.21-FINAL.pdf
Aug: Medicare/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
of all younger investors have some interest in purchasing annuities as part of their overall retirement income plan.*
71
%
For Financial Professional Use Only. Not For Use With The Public.
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.
Coming in August: Medicare/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
CONTACT YOUR PRUDENTIAL WHOLESALER OR THE SALES DESK AT 800-513-0805
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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.
— 3 ways your business can benefit flyer
• Stats for why annuities are a powerful addition to your business and clients’ portfolios.
• 3 quick reasons to consider annuities for your business.
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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
*Drinkwater, Matthew. The right amount for the right clients. Advisor views on annuities. LIMRA, 2021. https://www.limra.com/siteassets/research/research-abstracts/2021/annuities-what-do-advisors-think/2021_advisor-views-annuities-right-amount-right-client.pdf. 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: Medicare | Social Security
JUL: Inflation
JUN: History of the Markets
MAY: Retirement Risk
Coming in August: Medicare | Social Security
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
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says about Index-linked Annuities
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). https://www.usinflationcalculator.com/inflation/food-inflation-in-the-united-states/
Tax-Efficient Investing coming in March
• • •
Keep this flyer handy to share with clients. Explain how important it is to think of the toll taxes take on their investments. 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.
Refer to the flyer when explaining the value of tax deferral. Use the Take a Look section to explain the charts. 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.
Review the report and identify points to use in conversations with clients. Familiarize yourself with the charts on pages 2 and 3. 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.
Review the sections: Long-term Capital Gains Tax, Tax Drag, Turnover Ratio, Taxes vs. Fees, and Tax-Efficient Growth. Use the examples to understand how to apply these tax issues to a client’s portfolio. 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 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.
• •
Share with clients to reinforce the importance of staying invested during high inflationary periods. 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.
Statistic - 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
of baby boomers
vs.
23
of gen xyz
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1057305-00002-00 Ed. 3/2022 ISG_WE_ANN370_01
*2019 Fidelity Investor Insights Study.
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. Use this worksheet to further the conversation. Make sure a partner or spouse is considered in these calculations.
This worksheet can help clients define their retirement goals, establish a budget, and identify their desired lifestyle in retirement.
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. You can use it to calculate the income needed to cover these basic costs. 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.
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. 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.
Refer to slide 9. This summarizes all the information you can unearth in the 1040. 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. 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.*
would like comprehensive services that include tax planning and estate planning. [footnote*]
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
Our popular consumer-approved piece for your tax discussions.
*
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.
[footnote*] 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:
Refer to the “did you know” and chart on page 2 for trust tax rates vs. individual tax rates. 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.
Review the target market and check your book of business for potential conversations. Understand the challenges; speak with your Prudential wholesaler for any questions. 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.
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.
World Economic Forum, Investing in (and for) Our Future, June 13, 2019.
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
Have this piece handy on your laptop or tablet when meeting with clients. Prior to your meeting, give clients a heads-up about what information they might need to complete this worksheet. 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. 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.
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.
Review the three sections: Retirement income then and now, Seven risks to retirement income, and Managing retirement risks. 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. 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.
Talk through the stats in your client meetings. Bring supporting information for each risk, if you know that a particular client needs to address it. 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:
[footnote *]
