Retirement DreamBuilderSM Plans

Behind the scenes: Plan Preparation...

RDBThe following is the process by which the Dream Team prepares customized PowerPoint® presentations for RAM agents:

First Steps

1. The prospect's statements and questionnaire are reviewed

2. The account holdings are entered into Morningstar and the findings are assessed

Reports are prepared to show:

A. Current investment holdings, Morningstar ratings, fee analysis and the top 25 holdings

  • Surrender charges are reviewed


B. Current asset allocations

  • Account equity style
  • Account sector weightings
  • World weightings


C. An analysis based on the findings listed above


D. Recommended changes

  • Investment Recommendations
    - Sample of portfolio holdings
    - Top 25 holdings
    - Summary of holdings
  • Annuity Recommendations
    - Type of product
    - Hypothetical example
    - How it works
    - Annuity screening
    - Comparison: annuity & laddered CD
    - Hypothetical returns
    - Hypothetical comparisons
  • Life Insurance 
     -Legacy Builder Plans
  • Long-Term Care

E. An Implementation Recommendation Summary