Envestnet Whitepapers

Annuities as an Asset Class for Fee-Based Advisors l 51 © Envestnet 2022 This presentation is intended for investment professional use only. Nothing contained in this presentation is intended to constitute legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. The information, analysis, and opinions expressed herein are for informational purposes only and represent the views of the authors, not necessarily the views of Envestnet. The views expressed herein reflect the judgement of the authors as of the recording date and are subject to change at any time without notice. All investments carry a certain risk, and there is no assurance that an investment will provide positive performance over any period of time. Investment decisions should always be made based on the investor's specific financial needs and objectives, goals, time horizon and risk tolerance. The statements herein are based upon the opinions of third party sources. Information obtained from third party resources are believed to be reliable but not guaranteed. Any graphical information contained herein is for illustrative purposes only and not based on actual client data. Past performance is not indicative of future results. Copyright © 2021 by Wade Donald Pfau. All rights reserved. Published by Retirement Researcher Media, Vienna, Virginia. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, scanning, or otherwise, except as permitted under Section 107 or 108 of the 1976 United States Copyright Act, without the prior written permission of the publisher. Requests to the publisher for permission should be addressed to wade@retirementresearcher.com. Limit of Liability/Disclaimer of Warranty: While the publisher and author have used their best efforts in preparing this book, they make no representations or warranties with respect to the accuracy or completeness of the contents of this book and specifically disclaim any implied warranties of merchantability or fitness for a particular purpose. No warranty may be created or extended by sales representatives or written sales materials. The advice and strategies contained herein may not be suitable for your situation. You should consult with a professional where appropriate. Neither the publisher nor the author shall be liable for any loss of profit or any other commercial damages, including but not limited to special, incidental, consequential, or other damages. For information about special discounts for bulk purchases, please contact Wade at wade@retirementresearcher.com Library of Congress Cataloging-in-Publication Data: Pfau, Wade Donald, 1977– Retirement Planning Guidebook / Wade Donald Pfau. pages cm Includes index. ISBN [978-1-945640-09-4] (paperback) - ISBN [978-1-945640-10-0] (e-book) - ISBN [978-1-945640-11-7] (hardcover) Library of Congress Control Number: 2021912549 Retirement Researcher, Vienna, VIRGINIA 1. Retirement Planning. 2. Financial, Personal. I. Title. Cover Design: Trevor Alexander An excerpt from Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success. Complete Book Available at Amazon.

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