The Optimized Advisor

Monthly Newsletter

Articles

Goldman Sachs: More Than One in Four Women Retire with Less Than $50K

Your Wealth Client Can Self-Insure for LTC. But Should They?

Fixed Index Annuities in Your Retirement Portfolio

Protected Retirement Income and Planning Study Chapter 4: Growing Health-Related Concerns in Retirement

Majority of US couples Do Not Have An Estate Plan

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Events & Webinars

Las Vegas Study Group

Hosted by Nick Bernatowicz and Scott Heinila

May 1, 2024 | 11:30 am - 1:30 pm | Felming's

Email Nick to register

Product Updates

MYGA Rates:

• 3yr - 5.25% (B++)
• 3yr - 5.15% (A)
• 4yr - 5.30% (A)
• 5yr - 5.55% (A) $250K+
• 5yr - 5.50% (A)
• 6yr - 5.60% (A)
• 7yr - 5.55% (A) $250K+
• 7yr - 5.50% (A-)
• 10yr - 5.60% (B++)
• 10yr - 5.35% (A) $250K+

MassMutual Ascend Legend 7

• 9.60% 1yr S&P Cap (renewable)
• 10.00% 1yr S&P Cap Rate (guaranteed for duration of product)
• 4.60% Fixed Rate
• 3.00% Minimum Guaranteed Rate
• Fully Flexible Premium Product
• Accepts both Inherited Qualified & Inherited NQ Funds
• 5.75% COMP Up to Age 75 on MOD 3 or 5% Heaped
• 6 Trail Options for Trail COMP

The Standard Enhanced Choice Index Plus

• Industry Leading Death Benefit Rider (perfect alternative for Life Insurance if uninsurable)
• Client gets the greater value of:
• 6.00% Guaranteed Growth each year (compounding)
• 200% Interest stacking (any interest earned on the account value, times 2)
• Lump SUM payout to beneficiaries
• Growth on the DB Rider to Age 85 
• Max Issue Age for Rider is Age 80
• Extremely competitive COMP:
• 5.00% COMP on 5yr
• 6.00% COMP on 7yr
• 7.00% COMP on 10yr

1st Female Only Insurance Symposium Recap Video

Where we focus on optimizing the wellbeing and best practices of insurance and financial professionals. Our objective is to help you optimize your life, optimize your profession, and learn from other optimized advisors.

↓ Check Out the Latest Episodes  ↓



Ep. 102 - Rewriting Your Story With Discipline with Bart Zandbergen, The Zandbergen Report

Ep. 101 - Optimizing Time: Gaining Freedom and Clarity with Dwight Eberts, Coaching 122

Ep. 100 - 76% of The Time S&P 500 Has Shown Positive Returns Over The Last 40 Years with Anthony Nizzi, GILICO

Ep. 099 - A Picture & A Story Are Worth A Thousand Words with Brad Shepard, One America

Watch the full episodes on YouTube

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Experience Life Better



Optimized Insurance Planning is a national network of experienced Insurance Planners dedicated to supporting the financial services industry. We understand and embrace a holistic financial planning process by approaching risk management solutions to include annuities, life, and long-term care insurance.

Experience – Knowledge – Planning – Technology – Community

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