RIAs are increasingly using insurance to better compete. Why? The financial advice industry is changing. As advisors face commoditization, fee reductions and other threats to the RIA business model, many are expanding services to meet client demand for comprehensive planning instead of just AUM.
At Quantum, our Advanced Planning Team includes a money manager, CFA® and CFP® on staff. Unlike any other insurance distributor, we truly understand what the advisor needs at the highest levels of portfolio development and risk management.
INSURANCE AS AN ASSET CLASS
Insurance should be used during all four stages of an investor’s lifestyle and legacy, this includes the accumulation, protection, and distribution. Insurance provides protection from many different risks along with guarantees and tax advantages.
Here are a few of the solutions our product lineup of hundreds of annuities and life policies helps with:
- Mitigation of Sequence of Returns Risk
- Fixed Income Alternatives
- Alleviation of Longevity Risk
- Guaranteed Lifetime Income
- Tax-Advantaged Income
- Legacy Planning
SOLVING THE PAIN POINTS
In today’s volatile economic times, traditional portfolio management has changed—and so have the insurance products. Consumer needs have driven product innovation, from the need for guaranteed retirement income protected from stock market risk, to coverage for long-term care if it’s needed or a death benefit if it’s not.
Quantum will work with you, as your in-house insurance department and an extension of your team, to help improve your clients’ financial outcomes by suggesting additional alternatives to the financial plan to lower portfolio risk and provide better long-term outcomes.
COMPLEMENTING THE
FINANCIAL PLAN
Advisors often uncover existing policies and determine client insurance needs through the financial planning process. We work with you to help improve your clients’ existing policies by suggesting additional adjustments when appropriate, finding lower-cost solutions, or better benefits for their situation.
By providing insurance solutions, your clients have even more reasons to stay with your firm. There is no reason to send business away to an insurance agent when you can use a Quantum partnership to provide the infrastructure, back-office service and access to hundreds of annuity and insurance products in order to write policies yourself for your clients.
ADVANCED ESTATE PLANNING SOLUTIONS
Our Advanced Planning and Portfolio Solutions team can help you speak with those high-net worth clients and business owners who may need complex estate planning services which include insurance structured into trusts or other entities. We offer consultation on many different estate planning solutions which you and your client’s attorney may choose to implement for them, including:
- DEFERRED SALES TRUSTS
- QUALIFIED OPPORTUNITY FUNDS
- DELAWARE STATUTORY TRUSTS
CLIENT ACQUISITION
Uncover new, qualified clients using our proven programs. Whether through client appreciation, live events, direct mail, multimedia campaigns or radio, we provide you with the opportunities to meet new clients. Our expertise comes in matching your unique strengths with a program that attracts your ideal client.
MULTIMEDIA
CAMPAIGNS
LIVE
EVENTS
RADIO
DIRECT
MAIL
We offer proprietary solutions to build out your revenue streams, without the need for additional infrastructure. With more than 30 research team members, you receive personalized support as you are creating financial plans for your clients. You can be confident that our team is providing you with the education you need to articulate features and benefit to your clients.
