Tag Archives: #LifetimeIncome

Episode 203 – Game Plan for the Golden Years: Protecting Your Goals in the Peak 65 Zone with Tim Seifert

Advisorpedia, Finance, Industry Innovators, Power Your Advice, Uncategorized, , , , , , , , , ,

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.

 

Resources: 

Lincoln Financial Group

 

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.

 

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Episode 185 – Legacy, Longevity, and Lincoln Financial: Safeguarding Your Wealth with Melissa Brandt

Advisorpedia, Finance, Industry Innovators, Power Your Advice, Uncategorized, , , , , , , ,

Melissa Brandt is the Vice President of Annuity & Funds Management Marketing at Lincoln Financial Group: a firm that has been helping millions of people plan, protect, and retire for over a century. 

In this podcast, Melissa and Doug discuss the significant shift of financial assets into the hands of US women. This exposes the need for financial advisors to build trust and assist women in securing their financial futures with solutions pointing to Lincoln Financial Group’s diverse portfolio of protection options. 

They also discussed:

  • Melissa’s personal experiences and lessons learned from the strong women in her family.
  • The evolution of the relationship with financial aspects across generations, including the need for preparedness in the face of longevity.
  • The economic strength of women and the opportunities for financial advisors to serve female clients.
  • The importance of planning for clients to live longer, possibly up to 100 years, and the implications for income planning.
  • Key attributes women value in financial professionals, emphasizing the need for a personal connection and trust-building.
  • The three important areas where advisors can assist women and gain their trust.
  • The significance of income planning and the rising interest amongst women in guaranteed lifetime income strategies.
  • How Lincoln Financial Group offers a diverse portfolio of protection options, including fixed, indexed, and variable annuities with protected lifetime income, to meet the unique needs of clients.

 

Resources: 

Lincoln Financial Group

 

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.

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Episode 167 – Integrating Protection Products with Tim Seifert

Advisorpedia, Finance, Industry Innovators, Power Your Advice, Uncategorized, , , , , , , , , ,

Tim Seifert is the Senior Vice President and Head of Retirement Solutions Distribution at Lincoln Financial Group.

In this podcast, Tim and Doug discuss the conversation around annuities as well as education surrounding financial protective products.

They also discussed:

  • What advisors can do to help pre-retiree clients best plan to avoid future regret
  • The trends Lincoln and the financial professionals they work with have seen in terms of demographics 
  • Why Advisors are great on the accumulation portion of managing their client’s assets but have issues with decumulation
  • Educating advisors on the importance of having a decumulation strategy as a part of their plan
  • The value Lincoln Financial brings to financial professionals and consumers with its suite of protection-first products
  • How the industry can move forward to help consumers achieve their goal of protection 

 

Resources: 

Lincoln Financial Group

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Episode 166 – Financial Vulnerability to Financial Security with Anne Aldrich

Advisorpedia, Finance, Industry Innovators, Power Your Advice, Uncategorized, , , , , , , , , ,

Anne Aldrich is the Head of Research for the Alliance for Lifetime Income, an organization creating awareness and educating Americans about the value and importance of having protected lifetime income in retirement.

In this podcast, Anne unpacks the research and studies the Alliance for Lifetime Income has been following, bringing insights into how both financial professionals and consumers can prepare and become secure in their retirement protection plans.

They also discussed:

  • The Protected Retirement Income and Planning study and what it reveals about the changing views on the security of retirement
  • The difference between the views of investors and advisors relating to retirement income protection
  • The opportunity for financial professionals to clarify the purpose and alternatives within the retirement planning process with their clients
  • Advisor’s appreciation for the role that annuities can play in their client’s portfolio
  • The 6040 portfolio and if financial professionals are open to change regarding that standard
  • The economic shocks and other factors that are creating uneasiness about people’s retirement savings lasting their lifetime
  • The “Peak 65” phenomenon of the US approaching the greatest surge of new retirees in history 
  • What the data uncovers about the preparedness of financial professionals and consumers for the retirement wave

 

Resources: 

Alliance for Lifetime Income

 

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