Product
Retirement
Advisory
Online Tools
Miscellaneous
100
This is the reason many clients like RILAs — they want growth potential but less stress when the market drops.
What is downside protection?
100
This tax‑advantaged account allows employees to save for retirement through payroll deductions.
What is a 401(k)
100
This principle requires advisors to act in their client’s best interest.
What is the fiduciary standard?
100
You can log phone calls, emails, and meetings in this Redtail feature.
What are notes (or activities)?
100
This is the document clients must receive that explains the product’s risks, features, and fees before purchasing an annuity.
What is the prospectus?
200
This type of life insurance provides coverage for a specific period and typically has lower premiums than permanent insurance.
What is term life insurance?
200
This IRS rule requires account holders to begin withdrawals from tax-deferred retirement accounts.
What are required minimum distributions (RMDs)?
200
The process of preparing for the transfer of wealth to the next generation.
What is generational planning?
200
This Pinpoint quarterly requirement is only needed if no gifts were given or received during that quarter.
What is the Quarterly Gifts Attestation?
200
This yearly process confirms a client’s goals, risk tolerance, and investment strategy are still appropriate.
What is an annual review?
300
This type of bond is issued by the U.S. Treasury and is considered free of default risk.
What is a U.S. Treasury bond (or Treasury security)?
300
Healthcare costs that can significantly impact retirement planning, often underestimated by retirees.
What are long-term care expenses?
300
A deceased client’s account requires this documentation before processing changes.
What is a death certificate?
300
This platform features this image
What is Adviceworks?
300
This annuity feature helps address a client’s fear of outliving their money.
What is a guaranteed lifetime income rider (GLWB)?
400
These annuities allow investment in subaccounts similar to mutual funds.
What are variable annuities?
400
The age at which most workers can first claim reduced Social Security retirement benefits.
What is age 62?
400
This disclosure explains conflicts, services, and fees to retail investors.
What is Form CRS?
400
This platform maintains up to date information on effective dates of change for rates.
What is Annuity Rate Watch?
400
This index is the most commonly used benchmark in RILA products and tracks 500 large U.S. companies.
What is the S&P 500?
500
A conservative retiree focused on income may be best suited for these products over growth stocks.
What are bonds or income-oriented investments?
500
This retirement account is commonly recommended to self‑employed clients with no employees.
What is a SEP IRA?
500
This document details how fees are calculated and deducted.
What is the advisory fee schedule?
500
This Cetera specific platform provides advisors with five integrated programs in a single web-based system, allowing flexible portfolio construction, access to institutional managers, simplified fees, and scalable advisory account management.
What is My Advice Architect?
500
This four-digit tax code section allows clients to move money from one annuity to another without triggering taxes.
What is a 1035 exchange?