Advisor Flipbooks

4 Created with you in mind. The Distribution-Focused Strategies were designed to address the growing need for a savings plan that lasts in retirement. DFS offers greater flexibility and lower fees than many other investment alternatives by bringing you: • Strategies created to address your need for predictable cash flows in retirement • An approach aimed at helping you make your assets last in retirement • Access to your money anytime, without a surrender penalty • Tax management to help reduce your taxable income • The ability to pass remaining assets on to your heirs Customized to your personal financial needs. Because everyone's situation is different, these portfolios are tailored to your individual cash flow needs, tax situation, and risk tolerance. To achieve this highly customized experience, your assets are tactically allocated among three investment pools–each with a distinct risk/return objective. Your needs then determine how these pools are combined into a cohesive investment strategy. The multiple pools or buckets allow greater flexibility and optionality for the investment team to balance income needs against market volatility and the tax cost of distributions. Finally, the goal of this dynamic investment solution is to provide a steady stream of fixed-dollar cash flows and to preserve your principal investment for as long as possible. Below is an example of how the three pools are allocated within the Stability Tilt DFS Strategy. Helping clients manage income with DFS POOL one. Short term 0-7 years Supports investment goals that seek to manage risk of loss POOL two. Intermediate term 8-14 years Supports investment goals that seek growth while managing the risk of loss POOL three. Long term 15+ years Supports investment goals that seek maximum growth over long-term horizons 27.5% Long term 37.5% Short term 35% Intermediate term Stability Tilt

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