Innovative retirement strategies specially designed for advisory business

Fee-based annuities from Equitable Financial

At Equitable Financial, we understand that registered investment advisors (RIAs) and their investment advisor representatives (IARs)  need different types of retirement strategies for their clients. A fee-based annuity is an option for your clients’ portfolios, especially if they are looking for a level of protection from market downturns as well as the benefits of a tax deferred annuity.

Our straightforward, fee-based annuities can add tangible value to your clients’ portfolios, help protect against the risks your clients face and seamlessly integrate into your advisory business, so let us help you:

Contact our Sales Desk for a customized illustration.

Sales Desk:
(888) 517-9900
8 a.m.-7 p.m. ET

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What is a fee-based annuity and why consider one?

Fee-based annuities are typically sold through registered investment advisors (RIAs) by an investment adviser representative. Because they have flat, annual fees, fee-based annuities are designed to fit into the fee structure of an advisory business and complement the way you’re already working with your clients. Equitable Financial’s Investment Edge® and the Structured Capital Strategies® family of variable annuities can be appropriate for advisory platforms because they offer:
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Zero explicit fees1
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No monthly expenses
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No withdrawal charges
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No fees for Structured Investment Options

How can a fee-based annuity help provide a level of protection to your clients' portfolio?

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Fee-based annuities offer potential growth when markets are muted or interest rates are low and even offer partial downside protection when markets are volatile

With Equitable Financial’s Structured Investment Option Segments – available through Investment Edge® and the family of Structured Capital Strategies® – clients can enjoy a level of downside protection and no portfolio-level fees. Without fees to decrease your clients’ returns and some protection from market declines, they may be able to realize gains in different kinds of markets, including muted stock market return and low interest rate environments.

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Fee-based annuities can help combat high taxes

Equitable Financial’s Investment Edge® tax deferred annuity offers long-term tax-deferred growth, tax-free exchanges, and income that is part principal/part earnings for tax efficiency in retirement. This means clients won’t have to pay taxes on earnings until they’re withdrawn, can reallocate assets whenever their goals or the market changes, and can spread out their tax burden over the years in retirement.

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Fee-based annuities can help your clients retire with confidence

Equitable Financial’s Structured Capital Strategies Income® variable annuity offers long-term, tax deferred growth potential and the guaranteed lifetime withdrawal benefit* (GLWB), regardless of what’s happening in the market. This means that even if markets are down when your clients retire, they can receive a set amount of income each year for life.

*A Guaranteed Lifetime Withdrawal Benefit (GLWB) is a rider that allows for withdrawals, either regular or occasional, to be made from an annuity during the accumulation phase without penalty. The annuitant pays for the GLWB rider with additional fees that are added to the total value of the annuity contract. The amount of money that is allowed to be withdrawn is a percentage of the total value of the annuity.

NOTE: whether these variable annuity products are sold inside of a fee-based advisory platform by a duly-licensed IAR or outside of a fee-based platform by a duly-licensed registered representative, their characteristics as described herein are the same.

Which clients might benefit from a fee-based annuity?

Clients looking to reduce their tax burden

Equitable Financial’s Investment Edge® fee-based annuity may potentially be a good fit for clients who are concerned about taxes, and are far from retirement, don’t have a pension plan or have maxed out qualified plan contributions and want to contribute more on a tax-deferred/tax-free basis.

That’s because this annuity:

- Provides tax-deferred asset growth so investors don’t need to pay taxes on earnings until they’re withdrawn.
- Offers more than 100 investment options and unlimited free trades so clients can independently reallocate their investments as their needs change.
- Provides tax-efficient income in retirement by turning assets into a stream of income payments that are part principal/part earnings

Clients looking to build wealth

Structured Capital Strategies PLUS® fee-based annuity can potentially be a good option for clients who are nearing retirement, are sensitive to market volatility and prefer a level of protection** over risk of loss but want to stay invested. It may also be a wise choice for clients who want the flexibility to rebalance and adjust their portfolio over time as well as those who are concerned about having enough income in retirement but might not have a formal plan in place.

That’s because this annuity:

- Provides different levels of protection from market downturns, so clients can feel confident enough to stay invested.**
- Defers taxes until retirement so any earnings can grow and compound, allowing the clients’ assets to potentially grow faster than a taxable account.
- Offers a diversification strategy in low interest rate or muted stock market environments.

Clients looking for guaranteed lifetime income

Structured Capital Strategies® Income fee-based annuity may potentially be a good choice for clients who are near or in retirement, want a stream of income payments for life, or need to focus on their savings for themselves or their families.

That’s because this annuity:

- Bridges the retirement gap with flexible income options including an accelerated income option that provides more income in the early years of retirement.
- Turns assets into a stream of income payments that can last as long as your clients live.
- Provides opportunities to increase income before retirement, with a variety of index linked segments with partial protection against market downturns.**

**Clients are protected from some downside risk; if the negative return is in excess of the protection level, there is a risk of substantial loss of principal because the client agrees to absorb all losses to the extent they exceed the protection provided.

How does Equitable Financial fit into your advisory business?

We’re always looking ahead.

Equitable Financial is continually innovating and thinking toward the future. We want to earn your business every day, so we’re
always updating, inventing and transforming to give you the products and services you and your clients need.

With Equitable Financial, your clients have access to well-known money managers.

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We’ve made it easy to work with us.

Contact our Sales Desk for a customized illustration.

Sales Desk: (888) 517-9900 Monday–Friday, 8 a.m.-7 p.m. ET

You can count on us.

Equitable Financial Life Insurance Company has the financial strength and stability your clients need to feel confident in our ability to fulfill our promises.

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Want to learn more about
our fee-based annuities?

For a comprehensive look at Equitable Financial’s retirement strategies, check out our Retirement Guide.

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1 Structured Capital Strategies PLUS®, Structured Capital Strategies® Income, and Investment Edge® are available to your client with zero explicit contract fees. All costs related to administration, sales and contract are built into the way the performance cap and buffer work, so an explicit fee won’t be charged. Expenses related to administration, sales and certain risks in the contract are factored into the Performance Cap Rate. As long as the money is invested in the Structured Investment Option to take advantage of the buffer against some loss and potential for growth up to the cap, your client will not be charged additional fees. If your client chooses the optional Return of Premium Death Benefit, or invests money in a Variable Investment Option, fees and charges will apply.

2 If clients elect our Structured Investment Option Segments.

Variable annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump-sum amount at a later date. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features, and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 1/2. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.

If clients are purchasing an annuity contract to fund an IRA or employer-sponsored retirement plan, they should understand that such annuities do not provide tax deferral benefits beyond those already provided by the Internal Revenue Code.

Clients should carefully consider their investment objectives and the charges, risks and expenses, as stipulated in the prospectus, before investing. For a prospectus containing this and other information, a financial professional can call the Sales Desk at (888) 517-9900. Please have clients read it carefully before investing or sending money.

Equitable Financial Life Insurance Company and its affiliates do not provide tax or legal advice or services. Clients should consult with their own professional tax and legal advisors regarding their particular circumstances.

Structured Capital Strategies®, Structured Capital Strategies® Income, and Investment Edge® variable annuities are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). Co-distributors: Equitable Distributors, LLC and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable Financial Life Insurance Company are backed solely by its claims-paying ability.

GE-4494680.1 (04/2022) (Exp. 04/2024)