Kyle Menke CFP®, CLU®, ChFC®, CASL®, RICP®

Retirement isn’t static - and neither should your decumulation planning be. Clients need different strategies across the stages of retirement.  These can range from using natural income funds in early retirement, hybrid strategies with annuities and growth elements mid-retirement, or a more stable structure with lower-risk income solutions later in life. Explore further options for each stage of retirement in our guide, ‘Investment choices for clients in decumulation’: https://lnkd.in/dRhzFu_8 #CanadaLifeAssetManagement #RetirementSolutions #Decumulation #FinancialPlanning

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Partner Insight: Tackling the nemeses of a comfortable retirement Sequencing risk is a persistent threat to your clients' retirement portfolios, and the traditional strategies to combat it often come with an uncomfortable trade-off: protection at the expense of potential performance. Living off yield? Income uncertainty. Cash buckets? Potential long-term drag. Rising Equity Glide Path? Opportunity cost in early-year bull markets. Historical data suggests significant bear markets without a quick recovery are rare. Are we over-calibrating the threat and sacrificing long-term growth? The question is: How can we protect against sequencing risk without detrimentally impacting long-term outcomes? Growing evidence points to a strategic balance: integrating guaranteed lifetime income with drawdown. This can provide the necessary protection while allowing assets to work harder for longer. Read the article to learn more about why a tailored, integrated approach is essential and how Fidelity Adviser Solutions Flexible Investment and Retirement Solutions facility offers the opportunity to meet diverse client needs. https://incm.pub/430IfHe

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Annuities can be powerful tools for retirement income — but their tax treatment can catch clients off guard. Here’s a breakdown of key tax considerations to bear in mind when planning retirement strategies. https://ow.ly/UCuf50X4gyy https://ow.ly/t7hm50X4gyz

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Three in four financial professionals say annuities help them retain clients, according to a recent Nationwide survey. Additionally, 81% of those with higher production — those who have sold at least 10 annuities in the last 24 months — feel they make their client relationships “stickier.”   Read more survey results >> https://zurl.co/j3L1R   #Annuities #FIAs #RetirementPlanning

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When we asked financial advisors what was important to them we were met with a resounding response, deliver an outstanding experience for our clients. Being able to deliver this experience for clients when it comes to retirement plans can, more often than not, depend on your TPA partner. How do you determine who is that right partner for you? There is a simple easy to use tool available at your finger tips - the ARA's TPA Assessment Checklist! Head over to website to download a PDF: https://lnkd.in/gaVJdSfR The American Retirement Association's TPA Assessment Checklist is the perfect place to start your process of finding the right TPA partnership. The TPA Assessment Checklist was developed by a group of compliance administrators who are members of the American Society of Pension Professionals and Actuaries along with a financial advisor who focuses on servicing retirement plans and is a member of the American Society of Pension Professionals and Actuaries sister organization the National Association of Plan Advisors. Another wonderful video from Idea Decanter! The Cerrado Group Shannon Edwards #FinancialAdvisors #PlanSponsor #401k

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Most plan sponsors don’t realize they’re still on the hook. Even with a TPA, recordkeeper, or 3(16) administrator in place, the ultimate fiduciary responsibility under ERISA stays with you, unless you’ve named a 402(a) fiduciary. This detail is often missed, but it’s one of the biggest factors in protecting your organization from liability. In our latest blog, we break down: - What a 402(a) Named Fiduciary is and how it’s different from other roles - Why lawsuits against plan sponsors are rising - How the right fiduciary partner can shift risk off your shoulders If you’re a plan sponsor or advisor, you can’t afford to skip this one. 👉 Read the full article here: https://lnkd.in/eHSfkdsF #FiduciaryResponsibility #ERISA #RetirementPlans #402aFiduciary #PlanSponsor #RiskManagement #FiduciaryWise

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3 Comments

You Know You Add Value. Do Your Clients? Advisors deliver immense value—tax strategies, behavioral coaching, plan accountability—but if clients don’t see it, they won’t remember it. Vanguard’s “Advisor’s Alpha” framework estimates that advisors can add up to 3% in annual net returns through key services. But most clients can’t articulate what their advisor actually does for that fee (Vanguard, 2023). That’s a visibility problem, not a value problem. Start with this: ✔ Document where you save clients money or time ✔ Use language clients understand—“we helped reduce your tax bill by $5,200” beats “we did tax-loss harvesting” ✔ Track intangible wins like peace of mind or decision clarity and recap them annually 📞 Want to build a system that shows your impact—without adding hours of admin? 🔗 https://lnkd.in/e8SnsRQS #AdvisorAlpha #ClientRetention #AdvisorTools #ShowTheValue #ForefrontAdvisorNetwork #FinancialAdvisor #FinancialAdvisors

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