Let's plan for retirement
Let's plan for retirement
Provide clients with the retirement income solutions they need.
Variable annuities can play an important role in someone's retirement income plan, including solutions for early retirement, longevity, beneficiary planning, and more. We invite you to look through some of our client materials on important retirement income topics.
Did you know annuities could do this?
Annuities can provide solutions for early retirements, longevity, and more.
Use these resources with clients
- Trust-owned annuity video. Explain trust-owned annuities to your client.
- Annuity executive bonus. Reward key employees with a nonqualified annuity.
Annuity resources
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Preparing for retirement
Annuities provide another tax-deferred way for clients to save, and can be used to create guaranteed income in retirement. And yet many people don’t know what annuities are or how they work. Here are some resources that can help you reach out to clients with confidence.
Use these resources with clients
- Retire with confidence. Explain the retirement income floor strategy.
- Tax-deferred growth worksheet. Calculate potential earnings through tax deferral.
- Sequence of returns. A visual depiction of the effects of retirement timing and market fluctuation.
- Understanding the 5 key retirement risks. Help clients plan for the lifestyle they want in retirement.
- Your life & money. A workshop for retirement planning. Login to view presentation.
Preparing for retirement
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Creating retirement income
Finding the right strategy for withdrawing income from retirement accounts could mean the difference between your client having enough income in retirement or running out. These resources can help you address this risk and also provide solutions for tax management strategies in retirement.
Use these resources with clients
- Retirement income floor video. Explain guaranteed income flooring to your clients.
- Help protect retirement income from market volatility. Explaining sequence of return risk.
- Calculate your required minimum distributions. A worksheet to calculate RMDs.
- Common approaches to retirement income. Explaining different strategies for financing retirement.
Creating retirement income
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Plan for a financial legacy
Many clients want to create a financial legacy for their heirs or to provide for a favorite charity. You can give them the right tools and resources to make it happen.
Use these resources with clients
- Beneficiary planning and IRA investor guide. A detailed guide to assist clients and their beneficiaries.
- Your legacy on your terms. Set the terms for how beneficiaries can access inherited money.
- Beneficiary planning checklist. Build a solid legacy plan with this guide.
Plan a financial legacy
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To gain full access, login to your Principal account. If you need help setting up an account, give us a call at 866-309-1623.
Annuity resources
Access our Working your book resources
Tools for starting client conversations
Learn more
To get started, contact your local Principal® representative or support team:
Call us at 866-309-1623
For financial professional/institutional use only. Not for distribution to the public.
Guarantees are based on the claims-paying ability of the issuing insurance company.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not obligations of, nor backed by, the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Tax-qualified retirement arrangements, such as IRAs, SEPs, and SIMPLE-IRAs are tax-deferred. You derive no additional benefit from the tax deferral feature of the annuity. Consequently, an annuity should be used to fund an IRA, or other tax qualified retirement arrangement, to benefit from the annuity's features other than tax deferral. These features may include guaranteed lifetime income, death benefits without surrender charges, guaranteed caps on fees, and the ability to transfer among investment options without sales or withdrawal charges.
Annuity products and services are offered through Principal Life Insurance Company. Securities offered through Principal Securities, Inc., member SIPC, and/or independent broker/dealers. Referenced companies are members of the Principal Financial Group®, Des Moines, Iowa 50392, principal.com.
Principal®, Principal Financial Group®, and Principal and the logomark design are registered trademarks of Principal Financial Services, Inc., a Principal Financial Group company, in the United States and are trademarks and service marks of Principal Financial Services, Inc., in various countries around the world.
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