As you know, timing the market rarely works out for investors. But when emotions kick in, they may insist on jumping out when markets go south and jumping back in when they normalize. Incorporating advisory annuities for a portion of clients' portfolios can help them stay focused on long-term financial objectives and continue to pursue growth potential or protection in any market. Consider the following client scenarios to help identify the opportunities provided by Pacific Life advisory annuities.
Keep Emotions at Bay for Strong Outcomes
Clients want to stay invested for growth potential.
Clients want to stay invested for future income potential.
Clients want to get out of the market completely.
Clients are uncertain as to what action to take.
Keep Clients Focused on the Long Term
Pacific Life provides you with choices designed to help address clients’ needs in situations where markets are volatile and traditional retirement-income strategies are underperforming. Consider allocating a sleeve of your clients’ assets to one of our advisory annuities that addresses their risk tolerances and financial goals. Our managing directors are happy to create client proposals, share tools, and provide insights into how to help clients pursue their long-term financial goals.
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1Allowable fees are advisory fee withdrawals that do not exceed an annual rate of 1.50% of the account value during the calendar year. Advisory fee withdrawals are limited to 1.50% of the account value for the calendar year if a living benefit is elected. If a living benefit is not elected, withdrawals for advisory fees that exceed an annual rate of 1.50% of the account value during the calendar year may reduce the death benefit amount provided by an optional benefit by more than the actual excess withdrawal amount. Withdrawals from the contract to pay advisory fees will reduce the account value.
Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.
Pacific Life is a product provider. It is not a fiduciary and therefore does not give advice or make recommendations regarding insurance or investment products.
Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment goals of the underlying investment options. This and other information about Pacific Life variable annuities are provided in the product and underlying fund prospectuses. These prospectuses should be read carefully before investing.
Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. For nonqualified contracts, an additional 3.8% federal tax may apply on net investment income. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal income tax may apply. A withdrawal charge also may apply. Withdrawals will reduce the contract value and the value of the death benefit, and also may reduce the value of any optional benefits.
The value of the variable investment options will fluctuate so that shares, when redeemed, may be worth more or less than the original cost.
Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These features include lifetime income, death benefit options, and the ability to transfer among investment options without sales or withdrawal charges.
Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life & Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Annuity products are not FDIC insured, may lose value, and are not guaranteed by any bank.
Variable insurance products are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company (Newport Beach, CA) and an affiliate of Pacific Life & Annuity Company. Variable and fixed annuity products are available through licensed third parties.
For financial professional use only. Not for use with the public.
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