Three client opportunities.
One flexible solution.

Three client opportunities.
One flexible solution.

As your clients’ lives change over time, their financial needs change with them. It’s important to periodically review your book of business and make sure you’re providing the right solutions for their current needs. We can help.
 

We call it our 3Ts concept—taxes, transfers, and trusts. Principal Pivot Series provides solutions for these common investor pain points. And it gives you an opportunity to look at your clients’ portfolios in a new light.

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

Pivot resources

Three client
opportunities flyer

The 3Ts concept focuses on clients could benefit from:

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

  • Taxes
  • Transfers
  • Trusts

Taxes

Your clients probably already understand the benefits of tax deferral – they likely have a 401(k) plan or IRA. But some may be looking for other ways to save for retirement. Look for clients who:

Have maxed out their retirement plan contributions (a nonqualified annuity isn’t restricted by IRS contribution limits).

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

Transfers

It’s common for clients to outgrow their financial products and they may benefit from transfer opportunities. These could be clients who:

Have savings accounts or CDs with large balances earning lower or negative returns.

Pay high fees for investment with features they don’t intend to use.

Have certain investments they don’t take money from and have designated for their heirs.

Trusts

Trusts are often set up to provide high net worth clients an option for multigenerational wealth transfer. The downside is the significant tax burden trust tax rates can impose.This is where a trust-owned annuity could help. Clients who could benefit:

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.

If you have clients who might benefit from these solutions, and would like to learn more about how Principal Pivot Series can help, complete the form above with your information, or give us a call, 866-309-1623, and we’ll get back to you right away.
Principal Pivot Series is an investment-focused variable annuity with over 80 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.
  • Taxes
  • Transfers
  • Trusts

Taxes

Your clients probably already understand the benefits of tax deferral – they likely have a 401(k) plan or IRA. But some may be looking for other ways to save for retirement. Look for clients who:

Have maxed out their retirement plan contributions (a nonqualified annuity isn’t restricted by IRS contribution limits).

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

Transfers

It’s common for clients to outgrow their financial products and they may benefit from transfer opportunities. These could be clients who:

Have savings accounts or CDs with large balances earning lower or negative returns.

Pay high fees for investment with features they don’t intend to use.

Have certain investments they don’t take money from and have designated for their heirs.

Trusts

Trusts are often set up to provide high net worth clients an option for multigenerational wealth transfer. The downside is the significant tax burden trust tax rates can impose.This is where a trust-owned annuity could help. Clients who could benefit:

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.

The 3Ts concept offers you the chance to look at clients through a new lens. If you have clients who might benefit from these solutions, and would like to learn more about how Principal Pivot Series can help, complete the form above with your information, or give us a call, 866-309-1623, and we’ll get back to you right away.
Principal Pivot Series is an investment-focused variable annuity with over 80 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.

Learn more

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

Call today: 800-309-1623

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

 

Guarantees are based on the claims-paying ability of Principal Life Insurance Company.

 

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, IA 50392.

 

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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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