Tim Seifert is the Senior Vice President and Head of Retirement Solutions Distribution at Lincoln Financial Group: a firm that has been helping millions of people plan, protect, and retire for over a century.
In this podcast, Tim and host, Steve Gresham, dive into the implications of millions of Americans retiring each year, the challenges they face to secure their financial future, discussing the crucial role of annuities providing protected income.
They also discussed:
The “Peak 65” trend, where over 4.1 million Americans are retiring annually until 2027*, raising concerns about insufficient protected income and the risk of outliving savings.
Annuity Awareness Month and the importance of annuities in securing retirement income, emphasizing the need for comprehensive financial planning.
The significant knowledge gap among both consumers and financial professionals about their benefits and features, despite the record-breaking popularity of annuities.
Financial professionals being urged to educate clients about the value of annuities for protected income, highlighting protection and guarantees over potential market returns.
Lincoln Financial Group’s offerings with a range of annuity products to help meet diverse needs, stressing the importance of evolving and innovative solutions for retirement planning.
How crucial effective communication, education, and action by financial advisors are in helping clients understand what annuities offer, leading to increased client satisfaction.
Annuities are long-term investment products that offer tax-deferred growth, access to a lifetime income stream, and death benefit protection. There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan. All investing involves risk.
Lincoln annuities are issued by the Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.
Lincoln Financial Group is the marketing name for Lincoln Financial Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.
Matson Money is a multi-generational registered investment advisor company founded in 1991 by Mark Matson. They transform the investing experience by helping investors discover their true purpose for money and aligning clients’ investment strategies with their values.
Josh Crawford is the youngest Matson Money executive team member, serving as the Vice President of Training and Development.
In this episode, Josh explores the intricacies of financial advising and empowerment, shedding light on Matson Money’s investor strategies.
They also discussed:
Matson Money’s approach to transforming the investing experience through transparency and value alignment.
Josh Crawford’s insights on portfolio construction, emphasizing education and transparency for investors.
Strategies for advisors to help clients manage economic anxiety and understand market mechanics.
The importance of empowering investors through curiosity, independent thinking, and treating advisors as mentors.
Key principles for stronger investing, including long-term perspective, portfolio diversification, and understanding market fundamentals.
Tim Seifert is the Senior Vice President and Head of Retirement Solutions Distribution at Lincoln Financial Group. Tim joins Advisorpedia to discuss the Peak 65 trend, a historic demographic milestone in the US with 4 million Americans turning 65 this year, and the growing need for protection products.
Topics also discussed:
Factors contributing to financial insecurity in retirement including the decline of pensions, reliance on defined contribution plans, market volatility, and timing of Social Security claims.
The need for Financial professionals to educate clients on the challenges faced in retirement and the benefits of protected income.
Annuities are highlighted as an effective tool for providing pension-like income and protecting against outliving savings.
Lincoln Financial Group emphasis on innovation, flexibility, and choice in meeting the market demand for products like annuities.
Concrete action steps for advisors include educating on protected growth, simplifying income planning conversations, and building trust with clients.
Annuities are long-term investment products that offer tax-deferred growth, access to a lifetime income stream, and death benefit protection. There is no additional tax-deferral benefit for an annuity contract purchased in an IRA or other tax-qualified plan. All investing involves risk.
Lincoln annuities are issued by The Lincoln National Life Insurance Company, Fort Wayne, IN, and in New York are issued by Lincoln Life & Annuity Company of New York, Syracuse, NY, and distributed by Lincoln Financial Distributors, Inc., a broker-dealer. The Lincoln National Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.
Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. Affiliates are separately responsible for their own financial and contractual obligations.
Matson Money is a multi-generational registered investment advisor company founded in 1991 by Mark Matson. They are transforming the investing experience by helping investors discover their true purpose for money and aligning clients’ investment strategies with their values.
Josh Crawford is the youngest member of the Matson Money executive team, serving as the Vice President of Training and Development.
In this episode, Josh walks us through why advisors are choosing Matson Money, as well as insights into their exclusive events on the horizon including the American Dream Experience and the Advanced Advisor Conference.
They also discussed:
Josh Crawford’s career journey, emphasizing personal breakthroughs and relentless pursuit of personal development.
Matson Money’s focus on human behavioral aspects and Nobel prize-winning investing principles to maximize returns for clients while maintaining discipline and prudence.
The American Dream Experience: A flagship event offering investors a transformative understanding of investing, leading to client empowerment and advisor success in growing assets under management.
The Science of Investing: Matson Money’s employment of Nobel prize-winning principles such as efficient market hypothesis, Fama French factor investing, and modern portfolio theory, backed by empirical testing.
The benefits of Advisors using Matson Money’s approach, providing valuable education to clients, ensuring portfolio discipline, and fostering client satisfaction and retention.
Educating clients about historical market performance and the importance of discipline to maintain client’s peace of mind amidst market volatility.
The Advanced Advisor Conference: A key event focusing on mindset, featuring speakers like Dr. David Eagleman, aimed at empowering advisors with leadership insights and transformative perspectives.
What Attendees can expect from the conference: gaining new business insights, client communication strategies, leadership skills, and a transformative shift in mindset towards success and empowerment.
This content is based on the views of Matson Money, Inc. This content is not to be considered investment advice and is not to be relied upon as the basis for entering into any transaction or advisory relationship or making any investment decision.
This content includes the opinions, beliefs, or viewpoints of Matson Money. All of Matson Money’s advisory services are marketed almost exclusively by either Solicitors or Co-Advisors. Both Co-Advisors and Solicitors are independent contractors, not employees or agents of Matson.
Other financial organizations may analyze investments and take a different approach to investing than that of Matson Money. All investing involves risks and costs. No investment strategy (including asset allocation and diversification strategies) can ensure peace of mind, guarantee profit, or protect against loss.
Matson Money Investment Philosophy Matson Money believes that the stock market is efficient and that free markets work. Based on this belief, Matson focuses on attempting to capture market returns utilizing asset class or structured funds, seeks to utilize broad diversification, and attempts to eliminate stock picking, track record investing, and market timing from the investment process.
Matson Money manages client investments utilizing a fund-of-funds strategy. Client accounts are invested in a mix of a proprietary series of mutual funds advised by Matson, which allocate investments across three broad asset classes: domestic equity, international equity, and fixed income. Matson-advised funds seek to allocate across these broad asset classes by investing in various mutual funds or ETFs. The specific target allocation of each client’s Matson-advised strategy depends on the individual investor’s risk tolerance and investment horizon, and is selected by the client at account opening. More information on mutual funds, ETFs, and associated fees, is available in fund prospectus documents, available online at: http://funddocs.filepoint.com/matsonmoney/.
www.nobelprize.org
The Nobel Memorial Prize in Economic Sciences, commonly referred to as the Nobel Prize in Economics, is an award for outstanding contributions to the field of economics, and generally regarded as the most prestigious award for that field.
Markowitz, Harry. “Portfolio Selection.” Journal of Finance. 1952.
Harry Max Markowitz is an American economist, and a recipient of the 1989 John von Neumann Theory Prize and the 1990 Nobel Memorial Prize in Economic Sciences. Markowitz is a professor of finance at the Rady School of Management at the University of California, San Diego.
Efficient Market Hypothesis, first explained by Dr. Eugene Fama in his 1965 doctoral thesis.
Eugene F. Fama, “Random Walks in Stock Market Prices,” Financial Analysts Journal, September/October 1965.
Eugene F. Fama, 2013 Nobel laureate in Economic Sciences; is widely recognized as the ”father of modern finance.” His research is well known in both the academic and investment communities. He is strongly identified with research on markets, particularly the Efficient Market Hypothesis.
Additional disclosures are recorded within the podcast.
