1055462-00004-00 Ed. 01/2023 ISG_WE_ANN545_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. © 2023 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.
For Financial Professional Use Only. Not For Use With The Public.
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Contact your Prudential Wholesaler or the Sales Desk at 800-513-0805.
Who’s Your Rock?
Closing the Year Strong
The Modern-Day Portfolio
Overcoming Objections
Myths and Misconceptions
Health Care | Social Security
Legacy Planning
Advanced Annuity Strategies
Income Planning Strategies
Sequence of Returns
Inflation
Tax Planning Strategies
Investor Behavior
Sequence of Returns - coming soon
Inflation - coming soon
Tax Planning Strategies - coming soon
Investor Behavior - coming soon
Health Care | Social Security - coming soon
Legacy Planning - coming soon
Advanced Annuity Strategies - coming soon
Income Planning Strategies - coming soon
Closing the Year Strong - coming soon
The Modern-Day Portfolio - coming soon
Overcoming Objections - coming soon
Myths and Misconceptions - coming soon
Meet clients’ evolving retirement challenges with ideas and tools to start the conversation. We’ll help you analyze and implement strategies to help clients achieve their goals. You’re their rock. We’re here to be yours.
Off-the-shelf seminars to help you reach more clients.
Team-up of Prudential and the Alliance for Lifetime Income.
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JP Morgan Guide to the markets Q3 2022.
*
Coming in February: Tax Planning Strategies
Retirees adjust their essential spending to match their level of guaranteed income.
•
Market annuities with a more positive framing.
Most retirees manage their money to preserve or increase their assets.
Clients’ impulsive and emotional point-in-time decisions can sorely disrupt their financial plan. They need to trust the retirement strategy they have in place through an evolving economic landscape.
1065489-00001-00 Ed. 01/2023 ISG_WE_ANN546_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. 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. © 2023 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.
Some products allow participation in the market, with upside potential, but provide levels of downside protection.
This article explores the converging factors like rising inflation, increased market volatility, geopolitical uncertainty, and a changing tax environment.
Market volatility-driven financial decisions based on emotions such as excitement, greed, fear, or panic, can disrupt a long-term investment strategy.
To benefit from any potential long-term market appreciation, the investor should remain invested through difficult times.
Contact your sales team for the invitation.
Here is a new client-approved presentation.
See how an annuity could help protect your retirement income and pave the road to a less stressful and happier lifestyle.
Concerns about long-term health care, losing money in a market downturn, and fear of outliving retirement savings increased respondent’s interest in protected lifetime income.
Happiness studies show that protected lifetime income can lead to a more enjoyable and happy retirement.
Explore how retirement income planning can improve clients’ chances of achieving a more secure and satisfying retirement.
Overcome negative behavioral tendencies with two decision-making methodologies: reflexive and reflective.
Traditional Finance Theory versus Behavioral Finance Theory should be used to better understand behavior.
Some people learn to make emotional decisions when it comes to money, which is often counter-productive in achieving financial security.
Tap into the psychology of the phenomenon of impulsive decisions in down markets.
Clients have concerns about their plans that don’t include protected lifetime income that covers essential expenses.
People want reassurance that they are prepared for adversity and remain in control of their finances.
Most clients want to know how the current volatility affects them rather than the history of the market or complicated market data.
The Alliance for Lifetime Income’s research around investor behavior reinforces why times of market volatility are not the time to deviate from a strong financial plan.
Help clients better understand annuities.
The effect of market volatility over time.
How do clients’ portfolios stack up?
Calculate essential expenses and more.
in retirement assets²
Alliance for Lifetime Income
Client Educational Materials
Truth about Annuities
Trimester 3
Health Care | Soc. Security
Advanced Strategies
Trimester 2
Economic Landscape
Trimester 1
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10-Minute Mondays
Investors making emotional decisions during periods of market stress resulted in growth of only 3.6% vs. 9.6% by the S&P 500.
Avg Investors vs S&P
9.6%
3.6%
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10 minutes
1066454-00001-00 Ed. 02/2023 ISG_WE_ANN569_01
Coming in March: Inflation
Educate clients on the potential impact.
Conversation points in each section of the form and questions for you to consider.
Identify tax-inefficient assets earmarked for the future.
Help clients lower their current tax liability.
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.
A worksheet that documents your discussion and can be printed or emailed to the client.
A simple way to help you see gaps in a client’s retirement plan from a taxation perspective.
An interactive, easy-to-use tool that breaks down retirement vehicles by when taxes are due
How diverse are clients’ portfolios from a tax perspective? Find out using this client-approved experience and worksheet.
Reiterate the importance of tax diversification and talk about how annuities can help reduce tax exposure.
Use the information as proof points in your discussions around taxation in retirement.
Keep this PDF on your devices for quick access and reference.
Provides tax information on the 2023 Estate and Gift tax rates, RMDs, personal tax items, education incentive, income tax rates, Traditional and Roth IRAs, and Qualified Plans.
Created to encourage more businesses to offer a retirement plan to their employees and encourage employees to save for retirement.
Summarizes 16 primary changes to the original SECURE Act.
A strong, forward-looking tax planning strategy includes managing when and how clients’ retirement assets are taxed. Explore ways to help clients keep as much of their hard-earned money as possible.
• Are you currently subject to high tax rates? • How tax-efficient are your investments? • Are you invested in high-turnover mutual funds?
• Are you invested in high-turnover mutual funds?
• How tax-efficient are your investments?
• Are you currently subject to high tax rates?
1067112-00002-00 Ed. 03/2023 ISG_WE_ANN577_01
Inflation Calculator
1
Coming in April: Sequence of Returns
See how annuities can help bridge the gap.
Connects the relationship between lifestyle and inflation.
Features a chart showing 70 years of historical inflation rates.
Educational commentary on how retirees and investors can address inflation concerns.
The conventional age-based allocation may not be sufficient.
Retirees and pre-retirees feel the effects of inflation differently.
See the contributing factors to the 40-year-high inflation rate.
Advanced Planning’s Insights & Ideas puts in perspective the past 2 years of inflation and its impact.
Calculate the income needed to cover these basic costs.
It highlights average expenses for food, clothing, shelter, transportation, health care, and taxes.
Customize the rate of inflation and years in retirement assumption.
You can help clients understand the real numbers they need to plan for in retirement with this interactive piece. It’s a great way to start the conversation about how much they’ll need for basic expenses in retirement.
Pivot your conversation to their current plan for retirement and whether it needs to be reconsidered for inflation.
Share the table showing what $100,000 will be worth over time with even modest rates of inflation.
Start a conversation with clients about inflation. Specifically, about how we are coming off a 40-year high.
Energize your conversations around inflation! Share this new flyer with clients to help them understand the great effect inflation has on their retirement purchasing power.
3 key steps to review clients’ retirement income strategy with questions to go deeper.
Provoking stats to tee-up client conversations around inflation, market volatility, and health care costs.
Client conversation starter around retirement income strategies.
Even modest rates of inflation can significantly impact clients’ financial goals. Help ease inflation’s effect with a plan to help grow their assets and build income to maintain their purchasing power.
That's a 54% reduction in purchasing power.
With a 4% inflation rate, a dollar will be worth 46 cents in 20 years. That's a 54% reduction in purchasing power.
With a 4% inflation rate, a dollar will be worth 46 cents in 20 years.
A guide to understanding client's assets.
The Tax Efficiency Challenge: A guide to understanding clients' assets using the IRS form 1040
Proof points in your tax discussions.
Easy Reference Tax Guide 2023
1068410-00001-00 Ed. 04/2023 ISG_WE_ANN640_01
Assumes retiree age 65 with anticipated death at age 90, and an average 6.8 years between market peaks in the post-WWII era.
Coming in May: Income Planning Strategies
Help for planning to mitigate against SOR and RDCA risks.
An explanation of RDCA risk and examples of how withdrawals can compound market losses.
SOR examples in both the accumulation and distribution phases.
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.
Graph showing how to reduce risk in a portfolio by decreasing equity exposure and allocating more to fixed income.
Case study depicting two hypothetical investors starting with $1,500,000 in savings and withdrawing 4% per year adjusted for 3% inflation. Each portfolio has a 6.1% average return and assumes the same return series, but in the opposite order.
Adding an allocation to fixed income can help reduce risk in your portfolio and insulate it from the effects of large, unexpected equity market swings.
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.
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 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.
Chart shows gains needed for a portfolio to recover with and without downside protection.
Chart shows a hypothetical look at different periods of market pullbacks and how strategies work with one type of downside protection or ‘buffers’.
Maintaining a long-term perspective can help you remain calm during times of market and economic stress. It is important to remember not to make decisions driven by emotions.
The average person will experience four bear markets (20%+ loss or more) throughout retirement.
An ill-timed downturn and sequence of losses can significantly impact how long retirement savings will last. A protected annuity strategy can help lessen the impact.
Chart shows how a protected annuity strategy can both help protect against losses and capture growth, up to limits.
Chart shows the effect of a downturn just before retirement.
Outlines tough choices when getting ready to retire in a down market.
Longer life spans — Prepare to live longer.
3.
Navigating uncertain markets — Stay true to a strategy.
1.
Talk to clients about ways to grow and protect what they’ve saved for retirement. They need to diversify their retirement income, accelerate market growth, and establish an income stream that can last until they die.
1069105-00001-00 Ed. 05/2023 ISG_WE_ANN672_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. All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company's claims-paying ability and do not apply to the underlying variable investment options. © 2023 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.
1. T. Rowe Price, How to determine the amount of income you will need in retirement, March 15, 2022.
Coming in June: Advanced Annuity Strategies
See the retirement plan equation.
How much will clients need?
Segues into taking action to create a new or modify an existing an income plan.
Probing questions for clients to help uncover their income sources and needs.
Stats and prompts that reinforce why income planning is so important to clients.
3-step approach to having conversations with clients to uncover their income needs in retirement.
11 Exhibits for in-depth analysis.
Get a deep dive into Guaranteed Lifetime Withdrawal Benefits and the value proposition of PLIBs.
There’s a new guaranteed income product strategy that is gaining adoption in the market today. It’s a “protected lifetime income strategy” (PLIB).
David Blanchett, Head of Retirement Research at PGIM, lays out the “annuity puzzle” that’s still alive and well in America today.
Organizes expenses into needs, wants, and wishes.
Presents vital questions like: How will you spend your money? How will you prioritize your expenses? How will you fund them?
See why many assume the 4% withdrawal rule may be obsolete.
This worksheet is designed to help you personalize and organize what clients are saving so that you can help develop their retirement income plan.
Building wealth: Using assets to create an income stream that can eventually replace a paycheck from a job.
Cash flow is the most underrated tangible asset that clients have.
Dispel clients’ myths of a ‘magic number’ needed for retirement and instead explain the importance of creating a cash flow they can’t outlive.
This Kiplinger retirement planning article uses plain language 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.”
The average American needs approximately 75% of their pre-retirement income to maintain their lifestyle in retirement.
Rising costs — Guard against decreased purchasing power.
2.
Features a list of 62 common retirement expenses across 14 categories.
Explores the efficacy of PLIBs using a utility framework.
Calculate essential expenses including inflation.
1070238-00001-00 Ed. 06/2023 ISG_WE_ANN679_01
[1] Source: 2019 Fidelity Investor Insights Study.
Coming in July: Legacy Planning
22 Questions and Answers.
The legislation and tax implications.
Advanced Planning, Prudential - retirement Strategies® Offsetting the Tax Liability of a Roth Conversion
Advanced Planning insights and ideas.
Looks at RILAs and their role in helping to boost portfolio efficiency.
Discusses Registered Index-Linked Annuities (RILAs). Shows their growth potential with a level of protection through both a “buffer” and a “floor.”
Explores investing in the “New Normal.”
Research conducted for the Alliance for Lifetime Income explores the potential benefits of a family of product-types that help investors take greater control.
Features a hypothetical example of a married couple in their 50s.
Focus on the target market helps identify who is eligible and may benefit.
Discusses the advanced rollover opportunity and important considerations.
A business builder which dives into tax-free Roth conversions and funding a Roth IRA with an annuity. This strategy can help clients generate tax-free guaranteed income that could last for a lifetime (or two, if a spousal option is elected).
Charts included go deeper and solidify the discussion.
Another advantage is that an insurance company can avoid sequence of returns risk by remaining fully invested in the market due to new contributions that can average over many market cycles.
One advantage is that an insurance company can distribute money based on average life expectancy, while an individual can’t for fear they’ll run out of money.
Market Insights from J.P. Morgan give a very interesting perspective on the advantages annuities can provide from the viewpoint of an actuary. There are two basic advantages that address longevity risk and sequence of returns risk.
Includes a case study following Claudia and Marcus and how a 401(k) in-service withdrawal could work.
Explains how to get a level of protection and growth by making an in-service withdrawal to fund an annuity.
Looks at the math of what it takes to recover from a market loss.
401(k) values could be vulnerable to market volatility. Since many plans don’t provide a form of asset protection, it’s up to clients to be watchful and protect their own future.
Support from Prudential empowers you when helping clients with Advanced Annuity Strategies including Roth Conversions, RMD planning, and in-service 401(k) distributions. Help clients in these more complex areas.
Overviews, business builders, Q&As, and more help you deepen your knowledge on these strategies.
Consolidates Advanced Planning topics and resources that Prudential has to support you in your conversations with clients.
58% of Gen xyz vs. 23% of baby boomers would like comprehensive services that include tax planning and estate planning.
Baby Boomer
23%
58%
Gen XYZ
1071004-00001-00 Ed. 07/2023 ISG_WE_ANN690_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. © 2023 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.
Coming in August: Managing Health Care Costs & Social Security Planning
Top tips for hosting a successful event.
Roth Conversion, Taxation, Planning, Insights & Ideas.
See how affluent participants in key audience segments feel about family wealth.
Check out a tool to help you understand and adapt to family dynamics.
Get insights on how to connect and build better relationships with family members.
Keep clients during a wealth transfer by building relationships with the entire family well before the wealth transfer occurs. Deepening relationships across generations will be essential to the long-term health of your business.
Refer to the table of contents to see beneficiary payments for non-qualified annuities, IRAs, and Roth IRAs, including easy reference guides/tables.
Highlights key IRS notices related by the Treasury.
The passage of the SECURE Act in December 2019 substantially changed the rules for beneficiary distributions from qualified accounts. Rules for non-qualified annuity accounts were not affected by SECURE.
In depth reference guide that discusses the basic beneficiary payout rules as permitted under the Internal Revenue Code (IRC) and the Treasury Regulations.
Provides important considerations and FAQs.
See a multi-generational case study depicting 3 generations.
A chart comparing trust tax rates vs. individual tax rates.
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.
Find details around stretch and annuitization options.
See a comprehensive graph showing how this strategy can help clients leave more over time.
A non-qualified annuity could help you provide income in retirement and pass substantial benefits to your beneficiary.
Since the Secure Act passed in 2019, significantly limiting the ability to stretch IRA assets, the non-qualified stretch has become an even more valuable strategy for those looking to pass on legacy assets.
Looks at a hypothetical example of a 75-year-old client with children in their 50s and how she used an annuity to create a steady stream of generational income.
Explains how to create a multigenerational income strategy using an annuity.
Clients who want to create a legacy should look at annuities. A multigenerational annuity can help provide retirement income for them but can also help provide a lifetime gift for a spouse, child, sibling, or grandchild.
Owner/Annuitant/Beneficiary.
Position yourself for success
Stretch only
This option pays RMDs only.
Answer 4: Correct!
4. Stretch only
Stretch with Age Restrictions & Initial Payment
This option allows a percentage of the death benefit proceeds upfront, remainder stretched, full access aftera specified age.
Answer 3: Try again.
3. Stretch with Age Restrictions & Initial Payment
Stretch with Age Restrictions
This option allows full access upon attainment of a specific age. Prior to that RMD only.
Try again.
2. Stretch with Age Restrictions
Stretch with Initial Payment
This option distributes a percentage of the death benefit proceeds prior to stretch.
1. Stretch with Initial Payment
Correct!
Answer 1: Try again.
Answer 2: Try again.
1071635-00001-00 Ed. 08/2023 ISG_WE_ANN711_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. All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company's claims-paying ability and do not apply to the underlying variable investment options. © 2023 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.
Coming in September: Myths and Misconceptions
Maximizing the benefit is key.
Annuities can help.
See how protected income from an annuity can help eliminate some of the uncertainty of planning for the future.
See how much clients should plan for health care costs in retirement.
Learn how to address longevity costs and health care cost risk.
Clients have several important factors that can go into their decision of whether they are ready to retire. These include: when to begin collecting Social Security, should they continue to work, and weighing Medicare options.
See the method to encourage clients to defer claiming their benefits by bridging the gap with income through an annuity.
Learn about the claiming decision.
Some of the most important considerations for when a client should begin taking Social Security benefits are discussed. Consideration for these factors: thoughts on longevity, family history, current health, and specific financial circumstances.
Discussion of how an annuity may fit into a client’s strategy.
See the impact Social Security can have on Medicare.
See how to calculate retirement benefits including at full retirement age, early, delayed, and spousal.
This guide provides a general overview of Social Security, explains the options, and answers common questions. It’s critical that clients fully understand how it works.
Discuss strategies that include growth and protection to help address health care costs.
See how two Medicare options, unbundled or bundled, work.
The amount clients spend on health care during retirement depends on a number of factors, including how healthy they are, how long they’ll live, the level of health care coverage they want and when they decide to retire.
The average client will rely heavily on Social Security and Medicare during their retirement years. Give them the facts to help manage both, so they can enjoy a more secure retirement.
These calculators can help clients see real numbers.
For Clients:
success
for
yourself
Position
To run multiple scenarios, clear cookies or visit in incognito mode.
1072237-00001-00 Ed. 09/2023 ISG_WE_ANN715_01
[3] 2022, Home – Univision Upfront.
Coming in October: Overcoming Objections
Quick tips for easier annuity conversations.
Bridging the divide in retirement expectation.
4. Clearly explain the costs associated with the guarantee.
3. Emphasize that an annuity is one part of a larger plan.
2. Lead with benefits that only annuities can provide.
1. Start by talking about the client's goals today.
Recent higher interest rates have increased payouts for fixed annuities.
Annuities can seem complex and costly, but they offer benefits that other investments don’t.
An annuity can provide a steady income stream for life.
The perception of annuities is clouded by common misconceptions that can overshadow their benefits. Give clients the facts about strengthening their retirement plans with today’s annuities.
See the data plainly illustrate both the prevalence and risk of SPIAs and other annuities with “life only” benefits are relatively scarce.
While “life only risk” exists with a very small percentage of annuities, including SPIAs, it can be easily eliminated.
Some financial advisors and academics poke holes in the “risk” that an annuitant can lose the entire premium of an income annuity if they die prematurely. Get the facts.
Myth 2: Annuities are too complex and confusing.
Myth 1: When you invest in an annuity, your money is locked up and can’t be touched.
Here are some common misconceptions about liquidity and complexity with annuities. Find explanations and facts to debunk them.
Myth 3: Commissions from annuities are too high.
Myth 1: Annuities are too expensive.
Highlights common misconceptions about the costs associated with annuities. Find explanations about how fees work with annuities. Get the facts to debunk them.
Myth 2: The fees are hidden.
[6] Ali Cannex Protected Retirement Income and Planning (PRIP) Study. Retirement Outlooks among Peak 65 Women, 2023.
[1] Kantar, Download on African Americans, 2021.
[2] Joy, Black Consumer Local Market Research, March 2022.
[4] Prudential “COVID Women’s Program—Expand Your Client Reach,” Jan 2021.
[5] State Street, U.S. Census Bureau, Prudential, Ellevest.
2
$1.8 trillion
Remember, you don't have to be part of these segments to help with their financial needs.
76% have at least one retirement account.
Buying power is projected to grow to $1.8 trillion by 2024.
82% have shown a level of interest or engaged with a financial professional in the past 2 years.
trillion
$1.8
$30
More than twice as likely than men to make an annuity purchase when presented by an advisor.
6
$30 trillion expected to transfer to U.S. women by 2023.
5
Control 51% of the personal wealth in the U.S.
4
$2.5
51% of new population growth.
Nearly 20% of the U.S. population.
$2.5 trillion in buying power.
3
$2.5 trillion
$30 trillion
1073221-00001-00 Ed. 10/2023 ISG_WE_ANN730_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. All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company's claims-paying ability and do not apply to the underlying variable investment options. Diversification does not ensure against loss in a declining market. Buffers and floors are available on index-crediting strategies only. Variable investment options are available but do not offer protection levels. © 2023 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.
[1] Source: Alliance for Lifetime Income/InvestmentNews Research: The Perception Gap: Bridging the Divide in Financial Professional and Client Retirement Expectations, April 2020
Coming in November: the Modern-Day Portfolio
The consistently strong ratings Prudential receives, combined with our diverse mix of businesses, allow us to better navigate through changing market cycles and deliver on our promises.
The Comdex aims to make financial strength comparisons easier by assigning carriers a score.
At Prudential, we understand many factors play a role in choosing a carrier that best suits a client’s needs. A company’s financial strength ratings, Comdex ranking, and business mix can all be valuable indicators of their stability and dependability.
Plan for the unexpected with added security — Educate clients on the benefits of annuities as part of a diversified retirement plan.
Plan for health care and long-term care costs — Build your expertise in this area.
A study from the Alliance for Lifetime Income and InvestmentNews Research explores some of the biggest disconnects between financial professionals and individuals in the retirement planning process.
The study found that the perceived value of protected lifetime income continues to grow. More respondents now considered protected income “a highly valuable addition to Social Security” compared to one year earlier.
Respondents said that protected lifetime income offers peace of mind, protection against longevity risk, and easier budgeting–all of which can make for a less stressful and happier overall retirement.
‘Happiness Studies’… Research shows that protected lifetime income can lead to a more enjoyable and happy retirement.
Constantly strong ratings by the major independent rating agencies.
A history of financial stability and a well-diversified portfolio of retirement planning, insurance and investment management.
Prudential has withstood unforeseen trials over our more than 145-year history and has come out of each one stronger. Choose an insurance company for an annuity that’s financially strong and fulfills its promises.
Dealing with objections, particularly about fees, can make getting past the barriers hard. Overcoming objections is easier when you give clients the truth about today’s annuities and about Prudential.
What you say counts.
Financial Professionals
Investors
51%
53%
Diversification – IVAs typically offer a choice of crediting strategies and index options for different ways to provide growth potential.
Growth – IVAs can help grow your money by tracking performance through a variety of index options.
Protection – IVAs offer “buffers” that protect a portion of an account.
A Bar Graph compares the statistics, Investors: 40%, to Financial Professionals: 45%
66%
49%
45%
40%
Prudential doesn’t just survive turbulent times; we step up to lead. See how Prudential did during 7 crises from 1918 until today.
Plan for greater longevity than most expect — Discussing average lifespans with clients to help them better prepare for retirement.
Download the whitepaper for an in-depth look at the research.
Source: Alliance for Lifetime Income/InvestmentNews Research: The Perception Gap: Bridging the Divide in Financial Professional and Client Retirement Expectations, April 2020.
A Bar Graph compares the statistics, Investors: 49%, to Financial Professionals: 66%
A Bar Graph compares the statistics, Investors: 53%, to Financial Professionals: 51%
1074198-00001-00 Ed. 11/2023 ISG_WE_ANN749_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. All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company's claims-paying ability and do not apply to the underlying variable investment options. The S&P 500 Index is a product of S&P Dow Jones Indices LLC (”SPDJI”), and has been licensed for use by Pruco Life Insurance Company. Standard & Poor’s, S&P and S&P 500 are registered trademarks of Standard & Poor’s Financial Services LLC (”S&P”); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (”Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life Insurance Company. Pruco Life Insurance Company’s Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. It is not possible to invest directly in an index. © 2023 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.
Coming in December: Closing the Year Strong
RILAs can help create new possibilities for tailored investment strategies with an amount of protection and potential for investment growth.
RILAs are similar to fixed indexed annuities (FIAs), but were adjusted to achieve greater potential growth.
Registered Index-Linked Annuities (RILAs) may not be new, but they are having a renaissance.
Variable annuities with a guaranteed lifetime withdrawal benefit (GLWB) generated the least.
On average, PLIBs tend to generate the most income for a retiree among the approaches considered.
This article explores the efficacy of Protected Lifetime Income Benefits (PLIBs) using a utility framework. PLIBs are contrasted against other common annuity types.
More confident that their income will last in retirement.
Provide a measure of income protection through market downturns.
This NEW case study looks at how putting a portion of a soon-to-be retired woman’s investment account into an annuity can add lifetime income.
Downside protection with even more upside potential through registered index-linked annuities.
Downside protection with more upside potential with indexed annuities.
Downside protection with fixed annuities.
An annuity is a crucial part of a retirement portfolio. There are all types of annuities based on clients’ needs, including ones that are popular for providing protected retirement income.
See how a buffer within an annuity could help limit market losses.
Use the past 86 years of the S&P 500 to help illustrate the importance of staying the course.
Significant innovation in annuities gives clients options like never before. Today’s annuities can include buffers for protection, growth potential, and flexibility. Help meet clients’ retirement goals with a modern-day portfolio that includes a balance of all three.
®
Use the past 86 years of the S&P 500® to help illustrate the importance of staying the course.
Take the pressure off the amount they’ll need to withdraw from their investment account.
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. All guarantees, including benefit payment obligations, index strategy crediting, or annuity payout rates, are backed by the issuing company's claims-paying ability and do not apply to the underlying variable investment options. The S&P 500® Index is a product of S&P Dow Jones Indices LLC (”SPDJI”), and has been licensed for use by Pruco Life Insurance Company. Standard & Poor’s®, S&P® and S&P 500® are registered trademarks of Standard & Poor’s Financial Services LLC (”S&P”); Dow Jones® is a registered trademark of Dow Jones Trademark Holdings LLC (”Dow Jones”); and these trademarks have been licensed for use by SPDJI and sublicensed for certain purposes by Pruco Life Insurance Company. Pruco Life Insurance Company’s Product(s) is not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates, and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability for any errors, omissions, or interruptions of the S&P 500 Index. It is not possible to invest directly in an index. © 2023 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.
A mix of asset types makes up a diversified portfolio.
Four ideal client profiles to consider an annuity.
The role of the 60/40 portfolio and the integration of annuities.
Insights & Ideas
Periodic Table of Investment Returns.
• Do clients need an investment option with some growth and a level of protection from loss?
• Do clients want to grow as well as protect their future income?
• Do clients need some downside protection?
1074946-00001-00 Ed. 12/2023 ISG_WE_ANN775_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. © 2023 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.
Coming in January 2024: Economic Landscape
Help clients protect their Required Minimum Distributions (RMDs) in a declining market using an annuity with a level of protection.
For Clients.
Find the best of 2023 below!
Making the Most of Social Security
Understanding Risks to Your Retirement Income
Managing Health Care Costs in Retirement
No One Can Predict the Future
Economic Challenges Affecting Your Retirement?
A Behavioral Case for Annuities
REDUCE MOTION
As the year comes to a close, we want to thank you for your partnership in 2023 and wish you a happy and healthy holiday season. We look forward to continuing to partner with you in 2024, by providing you with tools and resources to educate clients toward achieving a more secure future.
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.
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 female clients whom you haven’t connected with recently.
Follow the 3 steps detailed on the flyer.
Download Now
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
Help clients better understand annuities. You'll find research and resources to help you have better conversations with clients. The Alliance and Prudential have made it their mission to demystify annuities so more people can benefit from this powerful product for a stronger future.
Pick up pointers and quick nuggets to meet consumers where they are.
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 or not it is still pertinent in clients' withdrawal strategies. 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
1062054-00002-00 Ed. 02/2023 ISG_WE_ANN551_01
COMING SOON
Make your planning meetings with clients and prospects even more productive. Ready-to-use seminars and supporting materials give you easy ways to connect.
Contact your Wholesaler for best practices for getting maximum attendance, support, and follow-up
1065516-00001-00 Ed. 02/2023 ISG_WE_ANN547_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. © 2023 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.
— Prudential Marketing Analytics & Insights, FA Client Seminar Topics Survey, 09/2022
Most clients would attend a seminar on topics that can help them meet their goals. However, less than half recall their advisors inviting them to or hosting such seminars.
This program looks at eight financial challenges that are unique to women and how they have been magnified as a result of the pandemic. We will explore strategies to help women investors tackle these challenges head-on.
Today’s financial environment has created the perfect storm of challenges for retirees. Today’s retiree has a lot to contend with, from soaring inflation to heightened market volatility and an uncertain tax environment. Educate investors on how to navigate the perfect storm and help live the retirement they envision.
How do retirees get the most out of the most popular retirement asset – the IRA? Educate investors on common pitfalls and strategies related to contributions, rollovers, RMDs, beneficiaries, and Roth IRAs, so they can create better outcomes with their IRA assets.
An in-depth discussion of today’s top investor concern – inflation. After decades of low inflation, today's retirees are faced with inflation at a 40-year high. We explore the challenge of inflation on the typical retirement and how retirees can be better prepared to address inflation in their retirement strategy.
This program provides an in-depth discussion of today’s tax environment: what to look for when reviewing investments for tax efficiency, as well as strategies to reduce the tax drag on a portfolio. Topics include the impact of taxes on long-term investment and retirement goals, and the importance of tax-efficient investing.
Clients face many unsecured risks when planning for retirement. The impact of these risks can be even greater if clients are in the Retirement Red Zone, a critical time when careful planning is essential. This program addresses the major challenges of retirement, informs how to create a plan to help address them, and discusses a strategy to help provide protected retirement income with a variable annuity.
Health care is a critically important aspect of retirement planning and clients need help understanding their options to get the most out of their Social Security. Help them with both in this detailed seminar.
Learn how to fully explain clients’ Social Security options as well as how to create an income strategy that bridges income gaps. This program also addresses Social Security eligibility; how Social Security benefits are calculated; benefit options for spouses, survivors, and divorced individuals; and strategies to increase Social Security income.
CE Presentation
Client Brochure
Client Infographic
Client Invitation
Client Presentation
Tax-deferral Infographic
Client Inflation Calculator
Client Article
FP Prospecting Tips Flyer
— Prudential Marketing Analytics & Insights, FA Client Seminar Topics Survey, Sept 2022
Health care is a critically important aspect of retirement planning. It has become a primary concern given increasing medical costs, longer life expectancies, the elimination of employer-provided retiree health plans, and the uncertainty of Medicare. Learn how to estimate health care costs, discover what Medicare covers, and understand strategies to help clients cover any out-of-pocket expenses.
Clients face many unsecured risks when planning for retirement. The impact of these risks can be even greater if clients are in the Retirement Red Zone®, a critical time when careful planning is essential. This program addresses the major challenges of retirement, informs how to create a plan to help address them, and discusses a strategy to help provide protected retirement income with a variable annuity.