Three client opportunities.
One flexible solution.

Three client opportunities.
One flexible solution.

Your clients’ financial needs change over time, and it’s important to schedule periodic reviews to make sure you’re providing solutions for their current needs. Our 3Ts concept – taxes, transfers, and trusts—provides annuity solutions for common investor pain points.

icon of capital building representing taxes

TAXES

Tax-deferred growth

icon of arrows representing transfers

TRANSFERS

Transfer opportunities

icon of a shield representing trusts

TRUSTS

Trust-owned annuities

The 3Ts concept focuses on clients could benefit from:

icon of capital building representing taxes

TAXES

Tax-deferred growth

icon of arrows representing transfers

TAXES

Transfer opportunities

icon of a shield representing trusts

TAXES

Trust-owned annuities

Taxes

Look for clients who:
  • Have maxed out their qualified retirement plan contributions.
  • Are looking for an investment with additional tax deferral opportunity.
  • Have money in motion: 
  • I = inherited money
  • R = real estate sale
  • S = sold a business

If clients invest in an annuity with nonqualified money, there are no IRS contribution limits. And their money still grows tax deferred.

Transfers

Look for clients who:

  • Have savings accounts or CDs with large balances earning lower or negative returns.
  • Pay high fees for investment features they don't intend to use.
  • Have investments they have designated for their heirs.

Trusts

Look for clients who:

  • Want to leave a legacy for future generations.
  • Have a trust, but receive annual distributions that create a significant tax burden.
  • Want to retain earnings in the trust while deferring taxes.
  • Are looking for the flexibility to turn income on and off as needed.

Ready to get started?

Fill out our form for more information, and we'll be in touch as soon as possible.

Pivot resources

Three client
opportunities flyer

Client opportunities
through annuities

If you have clients who might benefit from these solutions, complete the form above with your information. Or give us a call 866-309-1623.
Principal® Pivot Series is an investment-focused variable annuity with over 90 investment options, including lower-cost options that allow your client to design a well-balanced portfolio for a total annual cost under 2.00%. It offers flexible investment options, tax-deferred growth and compounding, and guaranteed death benefits that don’t require underwriting. And it can be used to create a steady, guaranteed stream of income in retirement.

Pivot resources

Three client
opportunities flyer

Client opportunities
through annuities

Learn more

Contact your local Principal® rep to ask about variable annuity solutions.

For financial professional use only. Not for distribution to the public.


Annuity products and services are offered through Principal Life Insurance Company®. Securities offered through Principal Securities, Inc., member SIPC, and/or independent broker/dealers. Referenced companies are members of the Principal Financial Group®, Des Moines, Iowa 50392, principal.com.


Withdraws prior to 501/2 are subject to a 10% IRS penalty tax.


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


All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not obligations of, nor backed by, the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.


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The subject matter in this communication is educational only and provided with the understanding that Principal® is not rendering legal, accounting, investment advice or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.
 

Insurance products and plan administrative services provided through Principal Life Insurance Co., a member of the Principal Financial Group®, Des Moines, IA 50392.
 

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