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ThinkAdvisor.com | SepTember 2015
Broker-Dealers of the Year
P ro s P e r a F i n a n c i a l s e r v i c e s
David Stringer

D i v i s i o n i i i
Eric Schwartz DaviD StringEr ralph Devito lon DolbEr logo license
AmericAn Portfolios finAnciAl services, inc.
President and CEO: Lon Dolber
Years in Business: 14
Producing Reps: 680
Avg. Annual Gross Prod. per Rep: $263,502
2014 Gross Revenue: $109.8 million
Company data self-reported as of Dec. 31, 2014
ThinkAdvisor.com | OCTOBER 2015 Reprinted with permission from the Semptember 2015 edition of Investment Advisor © 2015 ALM Media Properties, LLC. All rights reserved. Further duplication without permission is prohibited.
The Broker-Dealers of the Year
For information, contact 877-257-3382 or [email protected]. TA-12-15-01
will take on the DOL and anyone
More Volatility, More Problems:
else who threatens the IBD model
Solving the Dilemma of Long-Term Investing
By BEN WARWICK
DECEMBER 23, 2015 www.thinkadvisor.com
IVA0915_Cover.indd 1 8/20/15 2:07 PM
hen listing the most demanding aspects of an investment
cogent long-term
advisory career, finding clients and maximizing firm
You can design a W efficiency typically rank at the top of the list. Those are
certainly valid areas for improvement for many firms, but there is
portfolio for clients another aspect of the business — efficiently building wealth — that is
using today’s tools, especially challenging. Creating multi-decade investing plans that can Investment-Only Variable Annuities,
illustration: HARRY CAMPBELL/© theispot.com By William Lowe, President – Sammons Retirement Solutions
generate sufficient income while keeping clients invested during difficult
and doing so can expectations management.
periods is an exercise in asset allocation, investor psychology and
help separate your more tools now than ever before to design a cogent long-term portfolio. Pt.1: Who Should Invest in Them?
But great challenges often create equally large opportunities. There are
firm from the pack firms in the competitive landscape. Wooden Plaque
Advisors up to the task should view this as a chance to differentiate their
In that context, this article will examine why long-term investing is so
construction more achievable.
challenging and offer a few ways to make the task of efficient portfolio
prohibited. For information, contact 877-257-3382 or [email protected]. IA-12-15-01
Generating enough retirement income continues to be a efficient, which is why it made sense to use them inside
Reprinted with permission from the October 2015 edition of Investment Advisor © 2015 ALM Media Properties, LLC. All rights reserved. Further duplication without permission is
top concern among investors today and while annuities a tax-deferred variable annuity. This type of investment
can be a helpful solution to achieve that goal, there are also allows for diversification for non-correlated asset
a lot of options out there and making the right choice classes which is helpful during volatile markets.
can be confusing. Combine that with the fact that not
FINDING LONG-TERM INVESTING SUCCESS all annuities are created equal and the variable annuity Advisers are always searching for ways to provide
landscape is always changing, and it just became even
value to existing clients by introducing new investment
ADJUSTING TO AMERICA’S CHANGING DEMOGRAPHICS more confusing. options and they are always in pursuit of ways to capture
new assets. As the new year dawns, this could be the
COMPLYING WITH SHIFTING REGULATION In the past, advisers’ perceptions of variable annuities perfect time to look at your current book of business
haven’t always been positive. Following the economic and reevaluate investments to make sure they are still a
crisis in 2008-2009, annuity insurers responded with good fit. Or perhaps a clients’ situation has changed and
decreased benefits, increased costs and additional now is the time to introduce a new investment option.
investment restrictions, thereby making variable There is also a lot of money in motion so advisers may
annuities too expensive and too complex for some be on the pursuit for ways to capture new assets.
advisers to consider.
As mentioned, because not all variable annuities are
created equal and the landscape is always changing,
Then in 2012, the Taxpayer Relief Act started to hit
glossy Prints the wallets of investors and as a result, tax-deferred it can also be difficult to keep up with the different
Digital license
accumulation became even more important. Advisers
types of investment solutions in the marketplace, the
found themselves not only looking for investment
vehicles to help with tax-deferred accumulation, but intricacies of how they work and determining which
product is right for which client. All of which make it
were also in search of new ways to balance portfolio risk even more challenging to introduce new investment
through the use of non-correlated assets in the form of options. But what if there was a simple option that met
alternatives. But alternatives were not particularly tax your client’s needs?
In PrInt, DIgItal anD IntegrateD MeDIa
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