Identifying potential clients for Retirement Foundation ADV

From their time horizons and risk tolerance to their income needs and investment goals your clients have diverse needs. But thanks to its features and flexibility, Allianz Retirement Foundation ADVSM Annuity can address a wide range of concerns. Here are three hypothetical scenarios that show you how.

Challenge 1: Fixed income concerns

  • Client is nearing retirement
  • Considering a laddering approach to help generate predictable income in retirement
  • Not comfortable with uncertainty of reinvestment rates and potential credit risks
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Challenge 2: Rising retirement costs

  • Client is five years from retirement
  • Positioning portfolio for a sustainable drawdown of assets in retirement
  • Conservative investments may not keep pace with rising health care costs and other unexpected retirement expenses
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Challenge 3: Longevity uncertainty

  • Client is 10 years from retirement
  • Would like to develop a comprehensive retirement income plan, with legacy goals for beneficiaries
  • Disappointed by projected success rates and terminal values from Monte Carlo simulation
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Why consider Retirement Foundation ADV for a portion of your client’s portfolio?

For the client:

  • Provides asset protection, with some growth potential to facilitate transition from accumulation phase to decumulation
  • Provides a guaranteed payout rate for predictable income that grows every year in deferral
  • Offers a payout option with increasing income potential to help offset rising costs

For the advisor:

  • Offers the ability to diversify from other conservative assets in the portfolio
  • Helps take some of the guesswork and uncertainty out of longevity planning
  • May reduce pressure on other assets in the portfolio

Any distributions are subject to ordinary income tax and, if taken prior to age 59½, a 10% federal additional tax.

Guarantees are backed by the financial strength and claims-paying ability of Allianz Life Insurance Company of North America.

• Not FDIC insured • May lose value • No bank or credit union guarantee • Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF

Products are issued by Allianz Life Insurance Company of North America, PO Box 59060, Minneapolis, MN 55459-0060. (C95493-MVA, R95374-01-MVA, C95493-MVA-ID)

Product and feature availability may vary by state and broker/dealer.