Wealth Management
WEALTH MANAGEMENT EXPERTS Helping you become your clients key advisor. Sometimes your clients wants and needs extend beyond a simple solution. They require more advanced services from you and your practice. You can turn to Securities America s Wealth Management resources to increase your education on complex planning issues and help implement advanced solutions. Whether your clients need classic tools like mutual funds, annuities, insurance, alternative products or advanced wealth management and retirement solutions, Securities America will help you find viable, effective answers to your clients individual needs. We understand it s critical to keep advisors competitive with traditional products, advanced solutions and on the leading edge of product uses and sales strategies. Securities America s consultants each have complementary experience and expertise related to the various products, services and strategies available to our advisors. To meet advisors complex product needs, we have expertise in mutual funds, fixed and variable insurance products, retirement planning, alternative products and wealth management resources. Our team can help you provide your clients a broad spectrum of advice and an extraordinary service experience. On-going Tracking & Management Plan Implementation Client Plan Presentation Due Diligence Client Proposal System Branding & Marketing Client Approach NEXTPHASE RETIREMENT INCOME PLANNING NextPhase is Securities America s industry-leading array of programs, services, materials and education for you to effectively meet retirees income needs. As Baby Boomers enter the next phase of their lives, advisors need more than just a conceptual education to help these clients make their money last as long as they need. Advisors want tangible tools to help meet these new challenges, and Securities America is leading the way, helping advisors specialize in income distribution. Marketing and Client Acquisition Securities America has a NextPhase library of marketing materials specific to income distribution for our advisors including brochures, postcards, flyers, print advertisements and online content.
Payout Years: Lifetime Payout Years: 1-5 Grows Over Time Grows Over Time Grows Over Time Grows Over Time Grows Over Time Payout Years: 6-10 Payout Years: 11-15 Payout Years: 16-20 Payout Years: 21-25 Investment time horizon is 25 years Hedge for payout in Years 26+ Guaranteed monthly income is based on current values as well as the terms and conditions of the annuity contract or optional rider. These advantages may have additional fees and can only be fully realized if you follow the benefit s rules and hold annuity through surrender period. Guarantees and principal based on the claims paying ability of the issuing company. *Graphic is for illustration of timesegmented distribution strategy only. This information should not be construed as a recommendation of the investment plan for all investors. There is no guarantee that any or all segments will obtain their desired results. If desired returns are not met in any investment segment this could cause the investor to run out of income before the end of that income segment. To continue drawing income the investor may have to remove funds from other investment segments before scheduled. This action could lead to additional fees and ultimately the failure of the plan to meet the original objectives. Investors may have to adjust their income amounts to compensate for any investment segment not meeting its goal in order for the actual cash value to last the duration of that income segment. $ PRECISE. PERSONALIZED. POWERFUL. Providing a source for all of your clients financial needs. Income Planning Education and Training Securities America has created a collection of training materials available to advisors. These materials include on-demand training videos designed to guide advisors through the income distribution planning process as well as several white papers that cover popular industry income distribution topics. White Papers Capturing the Income Distribution Opportunity Compares three common distribution strategies, historical successes and structures for protecting against poor decisions in a negative market. Marketing Yourself as an Income Distribution Specialist Discusses how to specialize in retirement income distribution, a major marketing opportunity for advisors today. Understanding 72(t) Distribution Planning Looks at the big picture of clients taking early retirements, covering distribution methods, professional liability and documentation recommendations. Talking to Clients About Overspending in Retirement Discusses how and why advisors must address client overspending to protect their clients and themselves. Advisor Workshops NextPhase Retirement Income Solutions Workshop This workshop is designed for advisors who want to introduce the NextPhase strategy and process to clients and prospects in a small group setting. The workshop and its accompanying workbook discuss the challenges that retirees face in creating an income stream to last their lifetime, why the order of returns in retirement is so important and how the time-segmented NextPhase strategy can offer retirees the confidence that comes with a structured plan. Optional Guaranteed Income Segment* Segment 1 Investment time horizon is immediate Segment 2 Investment time horizon is 5 years Segment 3 Investment time horizon is 10 years Segment 4 Investment time horizon is 15 years Segment 5 Investment time horizon is 20 years $$$$ $$$$ $$$ $$$ $$ $$ Time Span: 1-5 years These assets are put back into an accumulation strategy. You should not be pulling money out of an investment in a negative return year. Segment 6 Accumulation Assets IRAs, 401(k)s, Savings, CDs, Investments, 403(b)s and etc.
Imagine Workshop Series This series of materials, tools and education helps advisors reach a new level of understanding with each unique client and prospect. Imagine Book A discovery tool that captures socio-emotional data about your clients, helping you establish their priorities for retirement. Imagine Your Life Without Limits Retirement Workshop Package includes a PowerPoint presentation, full-color workbooks, invitations, letters and a guide on how to prepare and host a successful event. Income Distribution Proposal System This system helps advisors create income distribution plans using the time-segmented strategy. Advisors run the initial income plan to verify if a client is within his or her income goal, then the system allows advisors to track and monitor the progress of the plan. ADVISOR FORUM Securities America s Advisor Forum is a great way to interact and share ideas with your peers. Find this and all our other forums on the Business Center. WEALTH MANAGEMENT ADVANTAGE Resources and strategic networks are vital to effective wealth management, allowing for professional collaboration with top industry experts and the ability to outsource non-corecompetency activities. Securities America, through its parent company Ladenburg Thalmann, offers its advisors The Wealth Management Advantage a comprehensive suite of wealth management tools, services and resources. The Wealth Management Advantage provides a clear competitive edge in serving mass affluent and high net worth clients by allowing them access to resources typically not available to independent financial advisors. Premier Trust Premier Trust works with you and the client s other professional advisors on every aspect of the financial plan and serves as an administrator of revocable trusts, ILITs, charitable trusts, asset protection trusts, dynasty trusts and trusts that custody non-traditional assets. Premier Trust provides flexibility in allowing you to serve as investment managers to their trusts. TRUST SERVICES WMA INVESTMENT BANKING ASSET MANAGEMENT
Special Situation Biotechnology MLPs Sector Specialties REITs BDCs Technology Power Infrastructure Exploration & Production INVESTMENT BANKING SERVICES Today s high net worth client frequently has a unique set of challenges over and above asset management, insurance and financial planning. Ladenburg Thalmann s equity research team provides proprietary, actionable research on approximately 165 public companies. Research includes a special focus on yield-oriented securities in the areas of master limited partnerships (MLP), publicly traded mortgage and property real estate investment trusts (REIT), business development corporations (BDC), energy, power and infrastructure, health care and technology. Capital Markets Securities America s partnership with Ladenburg Thalmann allows advisors to provide two distinct capital market opportunities to clients: investment and capital-raising. Investment Opportunities Each year Ladenburg Thalmann participates as an underwriter on initial public offerings (IPO) and follow-on offerings. These investment opportunities are unique to Securities America s advisors and clients because most independent firms do not have the ability or capacity to participate in such offerings. Capital-Raising Opportunities Advisors working with successful business owners or executives of midsize to large corporations know these clients often face unique challenges in running their businesses. At times, they need to explore taking their companies public or finding avenues to raise additional capital. Ladenburg Thalmann, working as an investment bank since 1876, is experienced and ready to collaborate with advisors to help present solutions for clients. Areas of capital market specialty include: Initial Public Offering (IPO) Private Investment in Public Equity (PIPE) Financial Advisory Follow-on Offerings Private Placements Having a client sell a business can be a windfall for a financial advisor. Other clients may only need professional guidance on valuation, restructuring or other business strategies. Specialty services include: Valuation Merger and Acquisitions Solvency Opinions Restructuring Fairness Opinions
REQUEST FOR PROPOSAL (RFP) SERVICES Endowments, charitable organizations, foundations and large institutional investors are often bound by strict investment policy statements (IPS), and they frequently review their investment advisor s performance against the IPS criteria. Ladenburg Thalmann can provide numerous samples and templates and assist in timely completion of the RFP process. They also can assist with the presentation delivery. PROVIDING THE BEST VARIABLE PRODUCTS Whether you want variable annuities or variable life insurance, Securities America can deliver the desired relationships, tools, education and products to help you serve your clients best interests. If you are a current Securities America advisor, be sure to check the Business Center for a complete and current list of products. If you are a prospective advisor, please contact your Securities America branch office consultant for more information on our offerings. Variable Life With more than 175 variable life products available, our major partners include: Nationwide Financial Lincoln Financial Variable Annuities Pacific Life Voya We offer advisors more than 250 competitive variable annuity choices from across the marketplace. Strategic annuity partners include: AIG Life & Retirement Allianz AXA Distributors Jackson Lincoln Financial MetLife Investors Nationwide Pacific Life Prudential Sammons Retirement Solutions Security Benefit Life Transamerica Voya
MUTUAL FUNDS We offer more than 10 thousand mutual funds from a wide range of successful and popular providers, and that list is constantly evolving to best provide the funds you and your clients want. If you are a current Securities America advisor, be sure to check the Business Center for a complete and current list of funds. If you are a prospective advisor, please contact your Securities America branch office consultant for more information on our offerings. Strategic Partner Mutual Fund Companies American Funds BlackRock Deutsche Asset & Wealth Management Fidelity Advisor Franklin Templeton Invesco Ivy Funds John Hancock JP Morgan Lord Abbett Oppenheimer Funds PIMCO Pioneer Funds Principal Funds Prudential Investments Putnam Funds ADDITIONAL PRODUCT OPTIONS Giving you more product choices to meet your clients financial needs is one of the primary goals of Securities America s Wealth Management Department. We frequently evaluate the products advisors want to use and modify our offerings as necessary. We have a variety of alternative and retirement products, as well as other popular financial products from which you can build effective solutions for your clients. Alternative Products We offer many types of alternative products to help you meet your clients diverse needs. Examples of the alternative products that may be available include, but are not limited to: Non-Traded REITs Managed Futures Fund of Hedge Funds 1031 Exchange Programs Oil and Gas Partnerships Business Development Companies
Retirement Products We have developed relationships with providers of a range of leading retirement products and services. Some of these include, but are not limited to: 401(k) 457 Individual 401(k) Roth 401(k) / 403(b) Simple IRA 403 (b) Other Available Products and Services Defined Benefit Plans Profit Sharing Plans Money Purchase Pension Plans Securities America also offers products and services most financial professionals would expect, including popular items like: Bond Trading Platforms Life Settlements NTF Funds 529 Plans Exchange Traded Funds (ETFs) INSURANCE BROKERAGE SERVICES AND EDUCATION PROGRAMS These services have been a strength of Securities America since the company began. We offer a full range of insurance services to help you provide clients with a more comprehensive level of financial counsel. Additionally, we work hard to provide a rich variety of educational programs, helping you leverage product features to penetrate new markets and most effectively use different products to meet your clients needs. Through our relationships with approved product sponsors, we ve developed a variety of value-added programs to teach you about different products and services, and how to use them to stimulate business growth. Insurance Brokerage Services Securities America provides access to a full line of competitive insurance, annuity and ancillary products via our robust strategic brokerage relationships. With our insurance brokerage services you have: Competitive compensation with some of the top insurance marketing organizations in the industry. Every dollar of fixed-insurance production that comes through Securities America or our partner firms has a dollar-for-dollar match for GDC credit.
A full portfolio of products including life, disability income, long-term care and annuities. Innovative and competitive niche products designed to help you prospect and make multiple sales. Estate and business planning assistance through an extensive network of strategic alliances. Strategic alliances with many of the nation s top insurance marketing organizations providing full brokerage services, superior customer support and insurance tools: Advisors Excel contact the Wealth Management Product Strategy team, 800-747-6111, option 2 Financial Independence Group (FIG) www.figmarketing.com, 800-527-1155 Financial Professionals Group (FPG) www.fpgonline.com, 877-455-0119 Highland Capital Brokerage www.highlandbrokerage.com, 844-422-3375 The National Benefit Corp. www.tnbc.com, 800-275-8622 USAdvisors Network Insurance Agency www.usadvisorsinsurance.com, 800-303-4977 Life and long-term care insurance services with analysis software, large case and sub-standard risk shopping services, and 24/7 online case status. Online appointment forms, including web-based and mobile app quoting services. A wide variety of insurance product information, carriers, quote engines, top-fixed rates and an underwriting search engine on the Business Center. LEARN MORE ABOUT PRACTICE MANAGEMENT PROGRAMS Prospective Advisors: call Branch Office Development at 800-989-8441, or visit SecuritiesAmerica.com Current Advisors: find out more about wealth management solutions and product availability on Securities America s Business Center
Prospective Advisors: 800-989-8441 Current Advisors: 800-747-6111 www.securitiesamerica.com Securities America, Inc., Member FINRA/SIPC. Securities America Advisors, Inc., an SEC Registered Investment Advisor. Copyright 2016, Securities America. All Rights Reserved. For Broker/Dealer Use Only.