Retirement Income Solutions
Lifetime Guaranteed Minimum Withdrawal Benefits (LGMWB)
For fee-based advisers that use integrated investment solutions, Insigne Consulting's Lifetime Guaranteed Minimum Withdrawal Benefit (LGMWB) is a unique income guarantee that wraps around a diversified investment solution enabling them to provide their clients with a distinct way to create guaranteed lifetime income. Investment professionals have the ability to combine the LGMWB with a wide range of mutual funds, SMA, ETF portfolios (fund-of-funds strategies) and separate account bundles that are currently provided by their adviser. The LGMWB provides for a lifetime guaranteed income of at least 5% of the client's portfolio at inception that can never go down even if the client's portfolio goes to zero.
Cash Balance Retirement Plans (CBRP)
For advisers and their clients who are exploring avenues to increase their retirement savings while minimizing their current tax liability, the Insigne Consulting Cash Balance Retirement Plan (CBRP) is a unique solution. The CBRP features a number of benefits for clients, including:
- Potential for increased business tax deductions up to $200,000.00 annually
- Flexibility to weigh benefits in favor of owner(s) and/or key employees
- Significantly larger accumulation opportunity than a 401(k) plan up to $200,000.00
- Potential creditor protection of assets in the event of a lawsuit
Ability to roll assets into an IRA or another qualified plan, upon retirement or termination
Pension Plan Buyout Strategies
For pension plans evaluating methods to exit their defined benefit plans, Insigne Consulting has a unique solution that can absorb the liability from the pension plan and provide a lifetime guaranteed retirement income to the plan participants.
Other Retirement Income Solutions
Our firm offers and prices a wide array of retirement income solutions that can be customized to the advisers' clients.