Registered Investment Advisers

Retirement strategies that give your advisory business an edge   

Deliver innovative risk management and wealth management strategies

At Equitable, we know that Registered Investment Advisers (RIAs) need retirement strategies that deliver value for their clients and themselves. Our fee-based annuities seamlessly integrate into your practice and can offer risk management for clients’ portfolios.

Work with us

Call our Annuities Sales Desk

(888) 517-9900

Monday–Friday, 8 a.m. – 7 p.m. ET
Explore our other strategies: Life insurance & Workplace benefits

Explore our risk management strategies

With our suite of fee-based annuities, including Investment Edge®, Structured Capital Strategies PLUS® and Structured Capital Strategies® Income, you may help find an appropriate fit for every client’s approach to wealth management and build your advisory business.

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Zero explicit fees1
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No monthly expenses
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No withdrawal charges
No portfolio-level fees for Structured Investment Options2

Risk management strategies/Fee-based annuities

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Investment Edge®

Build customized, flexible investment strategies with smart diversification, tax deferral and tax-efficient distributions.

May be a good fit for:
Clients who want to reduce their tax burden.
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Structured Capital Strategies PLUS®

Choose from different levels of downside protection with the flexibility to make money in up or down markets.

May be a good fit for:
Clients who want to build and protect wealth.
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Structured Capital Strategies® Income

Turn assets into a stream of guaranteed income payments that will last for the rest of a client’s life.

May be a good fit for:
Clients who want guaranteed lifetime income. 3

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.

Access innovative wealth management tools and platforms

If you’re affiliated with a broker/dealer, Equitable may already be integrated into your firm’s software solutions. If you’re an independent Registered Investment Adviser, you and your clients have access to our rapidly expanding wealth management and data aggregation platforms.

Financial Professionals with questions or needing assistance with networking annuities to these platforms, please contact

Wealth management and data aggregation

SS&C Black Diamond logo  ORION logo  ByAllAccounts logo  Tamarac logo

Data aggregation

DST Vision logo    Fan Mail DST logo    Albridge logo    DTCC logo

Financial planning



Insurance marketplace and exchanges

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Not affiliated with a broker/dealer? We can help

Fee-only fiduciaries without an insurance license can access our retirement strategies. If you’ve recently ended your affiliation with a broker/dealer, we can help you connect with a broker/dealer from our trusted network for no additional cost.

Our insurance licensing partners include:

DPL logoHALO logoRetireOne logoFIDEX logo

We’re here to support your advisory business

Call our Annuities Sales Desk

(888) 517-9900

Monday–Friday, 8 a.m. – 7 p.m. ET
Explore our other strategies: Life insurance and Workplace benefits

1 Structured Capital Strategies PLUS® and Structured Capital Strategies® Income 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. For Structured Capital Strategies PLUS®, if your client chooses the optional Return of Premium Death Benefit or invests money in a Variable Investment Option, fees and charges will apply. For Structured Capital Strategies® Income, if your clients choose the optional Highest Anniversary Value (HAV) Death Benefit, or invest their money in a Variable Investment Option, additional fees and charges will apply.

2 Investment Edge® Structured Investment Option Segments are available at no portfolio-level cost.

3 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 allowed to be withdrawn is a percentage of the Income Base.

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.

Guarantees are based on the claims-paying ability of the issuing life insurance company.

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. For a prospectus containing this and other information a client can click on the name of the variable annuity above or contact a financial professional. 

Equitable Financial Life Insurance Company, Equitable Financial Life Insurance Company and their 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) and, depending on the particular contract and its distributor, by Equitable Financial Life Insurance of America (Equitable America), an AZ stock corporation.  Distributed by affiliate Equitable Distributors, LLC, and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).  The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities.

GE-6000723.1 (10/2023) (Exp. 10/2025)