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Plan, protect, prosper

Guide clients into a retirement strategy with a mix of income, tax and asset protection.

Equitable recognizes that financial security entails a lifelong commitment to your clients’ financial well-being. As a trusted partner, we're dedicated to helping you address your clients’ protection needs throughout their lives and guiding them through the complexities of retirement planning with confidence, starting with income, asset and tax protection.

Our retirement strategies

Financial protection conversation starters

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Income protection

Longevity, life expectancy and lifetime income

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Tax efficiency
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Asset protection
Financial Protection as an Asset Class
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Protection strategies
Protection lasting financial strategies for security
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Equitable's approach

  • Integrated approach: Tailored retirement strategies empower informed client decisions for lasting financial security.
  • Adaptability: Flexible plans adjust to life's changes, ensuring goals stay on track.
  • Expertise and support: Industry leadership allows us to provide innovative products and personalized support.

As life progresses and needs change, pursuing a combination of guaranteed income, tax efficiency, and strategies for addressing market volatility is vital to resilient retirement planning.

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Retirement Cornerstone®

Potentially grow retirement income, with efficient investment options, guaranteed income, spousal continuation and death benefit options, so your clients can plan for their future—and beyond.

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Structured Capital Strategies® Income

Deliver more confidence for their next chapter with guaranteed income for life and multiple levels of partial downside protection to weather market losses. 

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Investment Edge®

Build and protect retirement savings through a flexible strategy offering portfolio diversification, tax-deferral and uncapped growth potential.

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 some or all losses to the extent they exceed the protection provided.

Frequently asked questions

  • How can I help my clients incorporate a level of protection into their retirement income strategies?
    Integrate guaranteed lifetime income products like annuities to provide a level of protection from market downturns and help clients feel secure spending in retirement.
  • What are the first steps in building a protection-first financial plan?
    Start by identifying what clients value — stability, legacy, income, flexibility — and assess risks to these goals. Discuss these risks with your client and be prepared to offer strategies, in the form of products and services, that address these risks.
  • When should clients start thinking about financial protection?
    It's crucial to protect what matters — income, investments, loved ones — at every life stage. Financial Professionals who prioritize financial protection early help clients feel secure and empowered, so we encourage you to integrate financial protection into client conversations wherever they are in their journey.
  • Calculators for retirement income and tax planning
    Utilize these calculators with clients to view where they stand now, where they want to go and what it will take to get there.

Learn more about Equitable's protection strategies.
Contact us today.

(888) 517–9900

For financial professionals only. If you are an individual investor, please contact your financial professional for more information.

Please be advised that this web page is not intended as legal or tax advice. Accordingly, any tax information provided is not intended or written to be used, and cannot be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer. The tax information was written to support the promotion or marketing of the transaction(s) or matter(s) addressed and your clients should seek advice based on their own particular circumstance from an independent tax advisor.

Variable life insurance and variable annuities are sold via prospectus. Please consider the charges, risk, expenses, and investment objectives carefully before purchasing a variable life insurance policy or a variable annuity. For a prospectus containing this and other information, please contact a financial professional. Read it carefully before investing or sending money.

Equitable Financial, Equitable America, Equitable Advisors and Equitable Distributors are subsidiaries of Equitable Financial Services, LLC and Equitable Holdings, and do not provide tax or legal advice. Certain types of policies, contracts, features and benefits may not be available in all jurisdictions or may be different.

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.

When distributed outside of New York state by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) through Equitable Advisors Financial Professionals whose business address is not in New York state or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is not New York, the Retirement Cornerstone®, Structured Capital Strategies® Income, and Investment Edge® variable annuities are issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock  company. When offered by Equitable Advisors Financial Professionals whose business address is in New York state or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is New York, the Retirement Cornerstone®, Structured Capital Strategies® Income, and Investment Edge® variable annuities are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities.

A variable annuity is a long-term financial product subject to market risk. 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. Charges, fees, restrictions, and limitations apply. With partial downside protection, the client absorbs all losses exceeding the protection provided. Clients should 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. Clients should read it carefully before investing or sending money.

Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY); Equitable Financial Life Insurance Company of America (Equitable Financial), an AZ stock company with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN).

©2025 Equitable Holdings, Inc. All rights reserved. 

GE-7953807.1 (05/2025) (Exp. 05/2029)