ABOUT THIS EPISODE
Danielle Kelso, Senior Institutional Solutions Consultant at Allianz Life Insurance Company of North America, joins us to shed light on the changes and innovations shaping the future of retirement security.
In her role, Kelso provides research, analytics and product expertise to the Allianz sales team, and shares her expertise on what plan sponsors need to be thinking about when it comes to supporting a retiree’s lifestyle by ensuring stable income and managing risks effectively.
Disclosure
The hypothetical examples cited uses the Portfolio Impact Report (PIR) engine developed by Allianz Investment Management U.S. LLC (AIM US) which demonstrates the probability of achieving retirement goals by using model hypothetical portfolios and 20,000 Monte Carlo simulations. The PIR tool is used to show how adding an annuity to a portfolio may quantitatively improve the likelihood of portfolio success. The PIR tool is not intended as an individualized financial planning tool.
Fixed index annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, tax deferred accumulation potential, and the reassurance of a death benefit for beneficiaries.
This content is for general educational purposes only. It is not intended to provide fiduciary, tax, or legal advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Allianz Life Insurance Company of North America (Allianz), its affiliated companies, and their representatives and employees do not give fiduciary, tax, or legal advice or advice related to Social Security or Medicare. Clients are encouraged to consult their tax advisor or attorney, or Social Security Administration (SSA) office, for their particular situation. Allianz does not provide financial planning services or advice.
Investment strategies, such as diversification, do not ensure a profit or protect against loss.
The indexes available within the contract are constructed to keep track of diverse segments of the U.S. or international markets, or specific market sectors. These indexes are benchmarks only. Indexes can have different constituents and weighting methodologies. Some indexes have multiple versions that can weight components or may track the impact of dividends differently. Although an index may affect interest credited, clients cannot purchase, directly participate in, or receive dividend payments from any of them through the index annuity contract.
Withdrawals from an annuity may be subject to ordinary federal and state income taxes. You may also be subject to a 10% federal additional tax if you take withdrawals prior to age 59½.
Annuity guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company.
Allianz Investment Management U.S. LLC is a wholly owned subsidiary of Allianz Life Insurance Company of North America (Allianz) and provides investment management and hedging services to the broader Allianz Group.
Product and feature availability may vary by state and broker/dealer.
This content does not apply in the state of New York.
Not FDIC insured • May lose value • No bank or credit union guarantee• Not a deposit • Not insured by any federal government agency or NCUA/NCUSIF
For institutional use only – not for use with the public.
