Registered Investment Advisers
Retirement strategies that give your advisory business an edge
Our risk management and wealth management strategies are designed to fit your advisory business
Explore our risk management strategies
With our suite of fee-based annuities, including Investment Edge®, Structured Capital Strategies PLUS® and Structured Capital Strategies® Income, you may help find an appropriate fit for every client’s approach to wealth management and build your advisory business.
Build customized, flexible investment strategies with smart diversification, tax deferral and tax-efficient distributions.
May be a good fit for:Clients who want to reduce their tax burden.
Choose from different levels of downside protection with the flexibility to make money in up or down markets.
May be a good fit for:Clients who want to build and protect wealth.
Turn assets into a stream of guaranteed income payments that will last for the rest of a client’s life.
May be a good fit for:Clients who want guaranteed lifetime income. 3
Clients are protected from some downside risk; if the negative return is in excess of the protection level, there is a risk of substantial loss of principal because the client agrees to absorb all losses to the extent they exceed the protection provided.
We’re always looking ahead
We’re continually transforming our products and services to respond to industry changes and to meet the needs of your advisory business.
Access innovative wealth management tools and platforms
If you’re affiliated with a broker/dealer, Equitable may already be integrated into your firm’s software solutions. If you’re an independent Registered Investment Adviser, you and your clients have access to our rapidly expanding wealth management and data aggregation platforms.
Financial Professionals with questions or needing assistance with networking annuities to these platforms, please contact email@example.com
Wealth management and data aggregation
Insurance marketplace and exchanges
Not affiliated with a broker/dealer? We can help
Fee-only fiduciaries without an insurance license can access our retirement strategies. If you’ve recently ended your affiliation with a broker/dealer, we can help you connect with a broker/dealer from our trusted network for no additional cost.
Our insurance licensing partners include:
2 Investment Edge® Structured Investment Option Segments are available at no portfolio-level cost.
3 A Guaranteed Lifetime Withdrawal Benefit (GLWB) is a rider that allows for withdrawals, either regular or occasional, to be made from an annuity during the accumulation phase without penalty. The annuitant pays for the GLWB rider with additional fees that are added to the total value of the annuity contract. The amount of money allowed to be withdrawn is a percentage of the Income Base.
Variable annuities are long-term financial products designed for retirement purposes. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump-sum amount at a later date. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59 1/2. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.
Guarantees are based on the claims-paying ability of the issuing life insurance company.
If clients are purchasing an annuity contract to fund an IRA or employer-sponsored retirement plan, they should understand that such annuities do not provide tax deferral benefits beyond those already provided by the Internal Revenue Code.
Clients should carefully consider their investment objectives and the charges, risks and expenses, as stipulated in the prospectus, before investing. For a prospectus containing this and other information, a financial professional can call the Sales Desk at (888) 517-9900. Please have clients read it carefully before investing or sending money. For a prospectus containing this and other information a client can click on the name of the variable annuity above or contact a financial professional.
Equitable Financial Life Insurance Company, Equitable Financial Life Insurance Company and their affiliates do not provide tax or legal advice or services. Clients should consult with their own professional tax and legal advisors regarding their particular circumstances.
Structured Capital Strategies®, Structured Capital Strategies® Income, and Investment Edge® variable annuities are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY) and, depending on the particular contract and its distributor, by Equitable Financial Life Insurance of America (Equitable America), an AZ stock corporation. Distributed by affiliate Equitable Distributors, LLC, and Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities.