White Papers

As we’ve stated in other parts of this website, we believe education is vital for advisors if the goal is to provide the best advice to clients (and have agents avoid lawsuits).

A good way to get educated on different subjects is to read available White Papers. Instead of reading a 250 page book, you can learn a narrow subject by reading a 20-60 page white paper. We strongly recommend you read the following three White Papers:

1) Investment Risk White Paper–this Paper explains investment risk like it’s never been done before. You will learn things that 99% of securities licensed advisors do not know. This information can be vital to helping you explain to clients the benefits of fixed products such as FIAs and EIUL.  It also covers the benefits of using the low drawdown risk AUM platform we recommend advisors who obtain their 65 license use (http://www.pomplanning.net). Click here to download this White Paper.

2) Income-For-Life White Paper–this is a fascinating Paper that gives the detailed math about how well various investments and products would have done when providing an income over the last 20 years. The Paper compares: FIAs, the S&P 500, a balanced 60/40 portfolio mix, tactical money management, and what the average investor would have done (using the DALBAR numbers).  If you are selling annuities with income riders or are thinking about it, this is a Paper you will want to read. Click here to download this White Paper.

3) FIAs vs VAs (Variable Annuities) with income riders–this Paper was written a few years ago, but the conclusion from the Paper is still valid. The paper explores the differences between FIAs and VAs and answers that age old question of which one will create more guaranteed income in retirement. Click here to download this Paper.