1) LOW-COST TAX DEFERRAL www.trustamerica.com INVESTMENT-ONLY VARIABLE ANNUITY Taxes are a critical part of the wealth management equation. By locating certain assets in tax-advantaged investment vehicles, financial advisors can help clients reduce taxes over time and potentially enhance overall performance by 100 basis points or more. This approach can keep more money compounding in clients’ accounts to pursue long-term goals. Variable annuities may make sense as a valuable tool for tax-deferred asset location once qualified plans are maxed out. But many fee-based advisors balk at the idea of traditional variable annuities because they typically have high commissions, high M&E expenses and costly surrender charges. These expenses could cost investors 300 basis points or more – effectively wiping out the value of the tax deferral. Fortunately, the industry has developed a new generation of investment-only variable annuities (IOVAs) designed as a low-cost, tax-deferred investing solution. This helps to maximize the value of the tax deferral and enables clients to keep more of their money compounding in their accounts free of immediate taxes. MONUMENT ADVISOR FIRST-YEAR FEE SAVINGS Monument Advisor from Jefferson National is an MONUMENT ADVISOR VS. TRADITIONAL ANNUITY innovative flat-fee, investment-only variable annuity. It has a low flat-fee of just $20 a month or $240 a year, 1 Charges an M&E fee of 1.35% regardless of account size.* Designed exclusively for RIAs and fee-based advisors, Monument Advisor has: • No commissions • No M&E expenses • No expensive riders 2 1 • No surrender charges** • Robust investment choices (more than 350 underlying funds) † At just $20 a month, an investment-only variable annuity $240,000 Initial Investment like Monument Advisor can help optimize the full benefit of tax deferral for clients. A first-year fee savings of $3,194! 2 $$
2) LOW-COST TAX DEFERRAL TRUST COMPANY OF AMERICA (TCA) MAKES MANAGING VA ASSETS MORE EFFICIENT Advisors can enhance the benefits of a Monument Advisor variable annuity by setting up and managing the underlying models on Trust Company of America’s robust and more flexible platform. By using TCA’s industry leading technology, advisors can manage all of their client portfolios in one place – with the tools and efficiencies they’ve come to depend on. TCA’s platform allows advisors to implement their Using TCA’s technology for managing assets within Monument Advisor accounts • Manage multiple VA strategies in a single account • Trade strategies (including multi-account trades) online in a highly efficient manner within a single variable annuity account – giving them more • Develop customized asset allocation models linked directly to clients’ accounts It’s fast and simple to make transfers and rebalance • Manage all client portfolios in one place proprietary investment strategies, design custom portfolio models and use multiple managers or multiple models control and more efficiency. portfolios, buy and sell investments and perform mass transactions or individual transactions in real-time using the TCA platform. With this high level of flexibility, advisors can develop and manage any investment strategy to satisfy any risk profile. • Take fees from non-VA accounts (as a non-taxable, non-1099 event) to maximize growth and tax deferral within the VA And because advisors are able to take their advisory fee from the client’s other cash accounts at TCA, the client’s tax-deferred account can remain untouched by fees. This helps save annual 1099 headaches and enables the account to maximize growth and tax deferral. *Jefferson National’s Monument Advisor has a $20 monthly flat insurance fee. Additional low-cost fund platform fees ranging from .10% - .35% will be assessed for investors wishing to purchase shares of low-cost funds. See the prospectus for details. Certain low-cost funds may only be available to you if you retain certain investment advisors. **The IRS may charge a 10% tax penalty on any withdrawal made before age 59½. †Morningstar, 12/31/15 Variable annuities are subject to market fluctuation and risk. Principal value and investment returns will fluctuate and you may have a gain or loss when money is withdrawn. Variable annuities are long-term investments to help you meet retirement and other long-range goals. Withdrawals of tax-deferred accumulations are subject to ordinary income tax. Investors should always seek professional tax/legal advice as it pertains to the tax benefits of any product. For more information, contact us today at 1-800-955-7808 or www.trustamerica.com. About Trust Company of America www .trustamerica. com Trust Company of America (TCA) is the only independent RIA custodian offering fully integrated real-time technology, consultative services and back office support exclusively to RIAs. Since 1972, TCA has been a dedicated champion of RIAs, committed to personally helping them optimize their portfolios, streamline their business processes and achieve their full potential — all without competing for their clients. Visit trustamerica.com to learn more. © 2016Trust Company of America (TCA). All Rights Reserved. Member FDIC Insured – No Bank Guarantee – May Lose Value.