Lincoln Financial Group has introduced its Lincoln Investor Advantage variable annuity designed to help advisors grow and protect clients’ wealth, while providing access to a proven strategy for lifetime income.
Featuring an extensive fund lineup of traditional and alternative asset classes, Lincoln Investor Advantage offers a tax-efficient investment platform.
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The introduction of Lincoln Investor Advantage comes at a time when clients are looking for advice on how to better manage their taxes, explains John Kennedy, head of Retirement Solutions Distribution for Lincoln Financial Distributors.
According to a recent survey released by Lincoln, "2013 – Expense Challenges of Age 62-75 Retirees," retirees significantly underestimated the impact taxes would have on them during retirement. With funds held in a tax-deferred account such as Lincoln Investor Advantage, clients using non-qualified money can keep more assets invested over time to help capture potential gains.
"Planning for the challenges that advisors and their clients are facing today and into the future – such as taxes and the need for lifetime income – is something we think about at Lincoln every day," said Kennedy. "Lincoln Investor Advantage can help advisors minimize the impact of taxes on their clients’ assets, offering wealth protection and potential growth for the client and delivering added value from the advisor."
Lincoln Investor Advantage is the only investment-focused annuity available with i4LIFE Advantage, Lincoln’s patented lifetime income distribution method.
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By GlobalDatai4LIFE, which is an optional feature for an additional cost, can help investors reduce the impact of taxes and keep more of what they earned, with the potential for increasing payments. It also allows clients to retain access to their money and investment options, and provides the opportunity to set up wealth transfer strategies for future generations.
"Lincoln Investor Advantage delivers what advisors need – access to solutions that can help manage the growth and protection of client assets leading up to and through retirement," said Brian Kroll, senior vice president, Annuity Solutions, Lincoln Financial Group. "Lincoln Investor Advantage provides access to a diverse set of investment options for the pursuit of growth, with the opportunity to turn savings into a steady income stream for life, which is often overlooked in retirement planning. Topping it all off, Lincoln Investor Advantage offers tax efficiencies during both the accumulation and income phases of a retirement plan."
With Lincoln Investor Advantage, clients have access to 125 investment options from well-known investment managers, including new partners such as Ivy Funds Distributor, Inc., AQR Funds, First Trust Portfolios LP, and Goldman Sachs Asset Management.
Lincoln Investor AdvantageSM offers clients three ways to invest: 1) build your own portfolio, which gives clients the option to select from among the 125 individual investment options; 2) asset allocation funds, which offer a one-step approach to portfolio diversification; and 3) asset class guidance through a relationship with Wilshire Associates, a global advisory company.
Asset class guidance is designed to help build a portfolio that seeks to balance risk tolerance against the need for return, and offers thematic-based asset class strategies, focusing on such themes as rising rates, income, and inflation protection.
Lincoln partnered with Morningstar to develop a web-based portfolio construction tool — the Lincoln Investor Advantage Visualizer — to help financial advisors create and compare sample portfolios for the new annuity, and then print detailed reports to share with their prospective clients. This tool will support advisors as they work with clients to identify their goals and the challenges clients face as they work to grow and protect their wealth.
