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Annuity Exchange

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Annuity Exchange

For investors with expensive and complex variable annuities in their portfolios, we offer a simplified, low-cost Investment Only Variable Annuity (IOVA) that trims costs and may potentially improve accumulation.

Built for RIAs and fee-based advisors, it offers no commission and charges a flat fee.

Investment expenses can be excellent predictors of investing success. Some investors may improve their investing outcomes with a tax-free 1035 exchange.

Managing expenses in your clients' investments is critical to their success, and yours. Your clients who own VAs may have been sold them for specific insurance features like living benefits. Those features come at a cost, and that cost may be high. The typical VA charges 132 basis points in M&E charges, along with additional charges for any underlying benefits. All told, variable annuity owners may end up paying upwards of 235 basis points for features and benefits they may not be using, or may never need, and those costs can seriously impede accumulation. Fortunately, a simple tax-free 1035 exchange into our IOVA can save your clients up to $3,450 in fees the first year alone. And those savings can compound and grow over time.

Investment expenses can be excellent predictors of investing success. Some investors may improve their investing outcomes with a tax-free 1035 exchange.

Managing expenses in your clients' investments is critical to their success, and yours. Your clients who own VAs may have been sold them for specific insurance features like living benefits. Those features come at a cost, and that cost may be high. The typical VA charges 132 basis points in M&E charges, along with additional charges for any underlying benefits. All told, variable annuity owners may end up paying upwards of 235 basis points for features and benefits they may not be using, or may never need, and those costs can seriously impede accumulation. Fortunately, a simple tax-free 1035 exchange into our IOVA can save your clients up to $3,450 in fees the first year alone. And those savings can compound and grow over time.

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