Flat is beautiful.®

Monument Advisor: Insights, Answers & Benefits

Monument Advisor ebook

Imagine a no-load, Investment-Only Variable Annuity (IOVA) that provides greater potential accumulation, total transparency and the most underlying funds in the industry across all asset classes. That’s Monument Advisor from Jefferson National.

InsideANNUITY RESCUE: How a tax-free 1035 exchange can rescue your clients’ retirement assets from unnecessary fee drag.

ASSET LOCATION: How a simple asset location strategy that leverages our low-cost IOVA can potentially add 1-2% of additional performance every year.

InsideMonument Advisor

What is Monument Advisor? PAGE 1

How to Save Clients Thousands in Fees with Annuity Rescue PAGE 3

Harness the Power of Tax Deferral PAGE 5

Using Asset Location to Increase Performance PAGE 7

What our Powerful Platform Means to your Practice PAGE 9

Who Benefits from Monument Advisor? PAGE 11

Implementing Monument Advisor into your Practice PAGE 19 Contact Us PAGE 21

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JEFFNAT Monument Advisor ebook

What is Monument Advisor?Monument Advisor is an authentic Investment-Only Variable Annuity (IOVA.) This flat-fee annuity provides greater potential accumulation, is totally transparent and offers the most underlying funds in the industry across all asset classes1. Traditional VAs are sold for their guarantees. Monument Advisor is different — it’s recommended for clients who have expensive legacy VAs with costly fees, need additional tax deferral, are looking to accumulate more assets for retirement, or employ tax-sensitive strategies that could benefit from a tax-deferred wrapper.

1WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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What differentiates Monument Advisor from conventional VAs?

• $20-per-month2 regardless of the size of the account. This fee is locked in for the life of the contract

• No commissions

• No surrender charges3

• No M&E expenses4

• No load

• Best-in-class account management

WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

• Average client fee savings: $3,100 per year over conventional VAs5

• Reducing fees helps unlock greater accumulation potential by compounding the power of tax deferral

• Totally transparent. Easy to use. Easy to understand

Learn more about our innovative IOVA.

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UNLIMITED TRADING OF NEARLY 380 FUND OPTIONS380

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Monument Advisor generates

$180,488 more than Average VA.

Projection based on an assumed annual growth rate (6%).

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Accumulated Value Over 20-Year Investment Horizon

Annual savings are based on an industry average M&E charge of 1.35%. Monument Advisor’s flat annual insurance fee of $240, and a Monument Advisor average contract value of $248,000 (as of 12/14).

Annuity Rescue: A tax-free 1035 exchange rescues clients from restrictive and expensive legacy VAs.

Additional Client Accumulation with Monument Advisor vs. Traditional VA

WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

• Monument Advisor can rescue your clients from legacy VAs, their locked-in rates, lack of fund options and other restrictions

• By exchanging VAs to Monument Advisor, clients save an average of $3,100 in fees annually

• Our Annuity Comparison Calculator will show you and your clients exactly how much they’ll save, how much more they could accumulate over time, and even when they’ll break even if they’re in a surrender period with their existing VA. (Please review your client’s current policy and prospectus for surrender charges and/or loss of benefits.)

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• A 1035 exchange does not create a taxable event

• Our Concierge Staff will complete the paperwork for you

Visit our Concierge Service to get started saving clients thousands in fees.

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The Power of Tax Deferral: The Monument Advisor IOVA offers virtually unlimited tax deferral for clients who have maxed out 401(k)s and IRAs. Also for clients who’ve received a sizable inheritance, or significant payouts (such as a bonus), or had larger events such as profits from a recent business sale.

3WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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But investing with Monument Advisor can cushion the annual tax burden — and may improve portfolio performance by 100 bps without increasing risk.

(Source: Increasing Income through the Power of Tax Deferral, Ira Weiss, Ph.D., University of Chicago & Matthew Grove, Jefferson National, 2008). Conventional VAs come with expensive guarantees, high cost, complexity and lengthy lock-up periods that mitigate the benefit of tax deferral. But Monument Advisor’s transparent $20/month flat fee allows clients’ assets to accumulate and compound — preserving net worth.

With nearly 380 investment options, advisors can build client portfolios tailored to specific retire-ment needs — and risk tolerances. Morningstar reports that investment portfolios not managed for tax efficiency over the last 70+ years may have given up 1-2% (100 - 200 bps) in additional performance. That’s $10,000-$20,000 of lost opportunity for every $1,000,000 invested. Our research shows that low-cost tax deferral from our tax-advantaged account can help clients claim that back — without increasing risk.

Run a comparison with our Tax Deferral Comparison Calculator to see how The Power of Tax Deferral can increase your clients long-term wealth.

Take action through these easy steps:

Large cash flow events like these can create significant tax obligations. This diminishes the amount of money your clients will net.

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IDENTIFY CLIENTS who’ve maxed out

traditional qualified accounts or who’ve

had large cash flow events.

Use the ONLINE APPLICATION

to harness the Power of Tax Deferral

for your clients today.

Use the TAX DEFERRAL COMPARISON

CALCULATOR to find potential increases in accumulation and

retirement income with Monument Advisor.

Asset Location: How locating assets in the right investment vehicle can potentially increase performance without increasing risk and add to an investor’s long-term wealth.

Tax-efficiency is a key component in an advisor’s investment strategy. Our IOVA can be used as a wrap product, allowing clients to invest in tax-inefficient asset classes such as Fixed Income, REITS, Commodities, and Alternatives without the immediate tax consequences that hinder accumulation.

Analysis suggests that by using Monument Advisor, tax-inefficient assets can enjoy 100 bps better performance annually without increasing risk. And Morningstar puts the number as high as 200 bps.

4WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

Most choices.

• Nearly 380 funds from more than 40 fund families — including more than 70 alternatives

• All assets held in separate accounts

(Click here to learn more) Monument Advisor has

$1,194,272left when the taxable account runs out.

Monument Advisor generates

$444,020more than a taxable account.

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Tax-Smart Investing with Monument Advisor

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Assumptions Distribution Age 65 Horizon 95Initial Contribution $248,000 Portfolio Type ModerateAfter-Tax Dollars Withdrawn Per Year $50,000 Income Tax Rate 39.6% Distribution Income Tax Rate 28% Inflation Rate 2.0%

• 100% liquid, easy-to-access assets (The IRS may charge a 10% tax penalty on any withdrawal made before age 59½.)

Use our Tax Deferral Comparison Calculator to put Asset Location to work for your clients.

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By investing more of your clients’ tax-inefficient assets in our tax-deferred IOVA they can potentially accumulate substantially more assets for retirement. Use our Tax Deferral Comparison Calculator to see just how much.

A Powerful Platform: JeffNat delivers a powerful management platform to RIAs and independent advisors. Making it seamless to manage client assets, make trades, and view client statements and other important account information.

Our account management platform is best-in-class in the VA industry.

JeffNat offers convenient account visibility on statements and custodial platforms by partnering with technology providers like iRebal, Pershing, TradePMR, ByAllAccounts, NFS, Envestnet, Tamarac, Advent, Black Diamond and others to offer seamless integration.

Whether you’re a buy-and-hold or active manager, Monument Advisor offers efficiencies, flexibility, low-cost, choice and all the other factors that make managing client dollars easier.

5WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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• Designed specifically for RIAs and fee-based advisors

• Open, flexible technology platform simplifies account management with models, mass transactions, fee management and more

EFFICIENCY

FLEXIBILITY

LOW-COST CHOICEBEST-IN-CLASS

• Integrates well with aggregation platforms and data services like DST Fanmail

2014 MarCom Gold Award Website: Financial Services

MarCom gives its Website awards for form, function and ease of use.They voted ours good as gold.

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

Who benefits from Monument Advisor?

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Clients looking to create a Retirement Income stream.

With Monument Advisor you may be able to create more reliable retirement income streams for clients who:

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Are approaching retirement or are currently retired

Seek protection of retirement assets and income generation to meet goals

Need more accumulation through their retirement years

And/or require flexibility to change investments or make unscheduled

withdrawals when life throws a curve

WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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In today’s tough market, the retirement income challenge continues to increase. More than two-thirds (71%) of advisors say the biggest challenge to generate sufficient income is a combination of three key factors: a low yield environment, maintaining adequate equity exposure and managing volatility.Faced with a failing safety net and longer life-spans, experts agree most Americans still need to save more — and their number-one concern is outliving their savings.

JeffNat offers investment options specifically designed for downside protection, principal protection and income generation. This is a clear advantage to RIAs and fee-based advisors — because it may create superior

retirement income for their clients. Direct access to these volatility-managed strategies at a fixed cost of $20-per-month may reduce fees paid to expensive traditional VAs for similar strategies by half.

(IRI Factbook, 11th Edition). Even if your client’s retirement income needs to change, JeffNat provides the flexibility to meet these demands. Your client is never locked up in any investments or committed to any pre-defined income stream through forced annuitization (prior to age 100).

You and your clients remain in control with more choice of funds to manage the Retirement Income challenge.

Test drive our Retirement Income Comparison Calculator.

In the past variable annuities with income guarantees have been a popular retirement income tool. The downside to this solution is the high M&E charges as well as guarantee rider charges — frequently

the cost of all these fees is greater than 2%-3% per year. Our recent white-paper “A New Approach to Retirement Income: Next-Gen vs. Traditional VAs” examines when the cost of a VA with a guaranteed income rider is worth the cost of the additional protection it provides, and when a low-cost IOVA can replicate a rider’s guaranteed income payments. Download the Key Findings to see which is right to manage your clients retirement income needs.

Clients needing to diversify their portfolios with Alternative Investments.

This allows you to manage risk and diversify client portfolios by allocating assets to invest-ments with low correlations to the broader market — the same types of liquid alternative investments typically made available only to institutional investors. Some large endowments like Harvard and Yale leverage alternative investments like these to protect their principal from market corrections and volatility. What’s more, non-traditional asset classes have historically generated higher yield and turnover than traditional asset classes, which make them particularly well suited for a tax-deferred IOVA. Among the broad choice of nearly 380 underlying funds, the low-cost Monument Advisor IOVA offers over 70 alternative underlying funds.

You can utilize these typically tax-inefficient assets (REITs, currencies, long/short, and hedging strategies) in this tax-advantaged account to protect against high turnover, short-term cap gains, dividends, and other taxable events that may erode performance — all for just $20-per-month.

Learn why Barron’s voted Monument Advisor the Top VA.

Alternatives in the Monument Advisor IOVA enable you to create and manage client portfolios like the endowments.

AMONG THE BROAD CHOICE OF NEARLY 380 UNDERLYING FUNDS, THE LOW-COST MONUMENT ADVISOR TAX-ADVANTAGED ACCOUNT OFFERS OVER 70 ALTERNATIVE UNDERLYING FUNDS.

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

Alternative asset classes have historically generated higher yield and turnover than traditional asset classes, which make them particularly well suited for low-cost tax-deferred variable annuities.

Asset-Weighted Average Yield and Turnover 2011 – 2013, US Mutual Funds

Average Turnover (%)

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US Mid CapEmerging Market Equity

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Average Yield and Turnover of Asset Classes

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TOP VA WITH ALTERNATIVES 2013 AND 2014

“Sales of the top variable-annuity contract on our list, Jefferson National’s Monument Advisor, were up 77%, to $727 million last year.”

– Barron’s

Pragmatic investors looking to protect their principal.For clients seeking principal protection, Monument Advisor offers investment options designed to manage tail risk and potentially protect the downside.

Advisors have typically used tactical manage-ment, hedging strategies, liquid alternatives, and managed volatility investment options to protect assets from down markets and insta-bility. These strategies can eat away at return through frequent trades and unfavorable tax treatment, or generate other taxable events.

Learn more about protecting principal.

Monument Advisor offers no principal protection guarantees, but advisors have direct access to the investment options and managers that insurance companies use to create these guarantees — but for half to a third of the cost, with the added bonus of tax deferral.

Principal Protection Solutions available through Monument Advisor include:

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Sophisticated INSTITUTIONAL MANAGEMENT

TAIL RISK PROTECTION and RISK MANAGEMENT

ETF portfolios using TACTICAL ASSET ALLOCATION, combining both quantitative and fundamental methodologies, to optimize return

WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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Poor planning, gift taxes and state taxes can compromise a family legacy for high- net-worth clients. Fortunately, Monument Advisor offers tremendous flexibility for trust structures, and on-board product features like the Non-Qualified Stretch provision to help ease the burden of legacy planning6.

Clients in need of Legacy Planning solutions.

The compounding power of low-cost tax deferral can improve accumulation and secure a brighter future for the loved ones and favored charities in your clients’ legacy plans. Tax- deferred asset accumulation is the foundational advantage of the VA structure. And there’s no mystery why. The longer tax obligations aredeferred, the longer assets can build and

Discover how to better control your clients’ Legacy Planning assets.

compound. But that isn’t where the benefit ends — variable annuities also provide control over any distributions the trust makes, and since Monument Advisor doesn’t lock up client assets in draconian surrender periods, you have the flexibility to transfer wealth with unprecedented liquidity, control, and transparency.

A few of the benefits of using Monument Advisor for Legacy Planning:

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INCREASE ACCUMULATION for later distribution to the remainder beneficiaries — charity, kids, grandkids

CONTROL TIMING of and possibly reduce beneficiary’s tax burden

MINIMIZE, DELAY OR ELIMINATE INCOME that must be paid to the income beneficiary

7Implementing Monument Advisor Into Your Practice.

WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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After opening a JeffNat account, you may begin using our award winning account management platform right away. Integrating Monument Advisor into your practice is simple and efficient.

Sign up for access now.

WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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RELEVANT FUND OR PLATFORM-RELATED ALERTS are clearly displayed as soon as you log-in.

Our convenient FEE MANAGEMENT TOOL allows you to bill clients individually, or together in a batch.

Make changes to contracts individually, or use the MASS AND MODEL TRADING FUNCTIONALITY to manage client groups with minimal clicks.

See ALL client statements in a single AGGREGATED REPORT.

ACCOUNT-LEVEL ALERTS offer quick, actionable information about the state of your client accounts so you can act effectively.

CHARGE FEES PRO-RATA across all funds or specify funds — and you can charge a fee or bill as a percentage of assets.

The CLIENT ACCOUNT SUMMARY screen allows you to review account-specific details such as investment allocations, trade history and performance.

8WHAT IS MONUMENT ADVISOR? | ANNUITY RESCUE | THE POWER OF TAX DEFERRAL | ASSET LOCATIONA POWERFUL PLATFORM | WHO BENEFITS FROM MONUMENT ADVISOR? | IMPLEMENTATION | CONTACT

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Contact Us: www.jeffnat.comJefferson National Life

10350 Ormsby Park Place

Louisville, Kentucky 40223

866.667.0564

Flat is beautiful.®

1According to Morningstar, the average VA has 45 underlying funds. 12/31/2014

2Jefferson National’s Monument Advisor has a $20 monthly flat insurance fee. Additional low-cost fund platform fees ranging from .10% - .35% will be assessed for investors wishing to purchase shares of low-cost funds. See the prospectus for details. Certain low-cost funds may only be available to you if you retain certain investment advisors.

3The IRS may charge a 10% tax penalty on any withdrawal made before age 59 ½.

4Jefferson National’s Monument Advisor has a $20 monthly flat insurance fee. Additional low-cost fund platform fees ranging from .10% - .35% will be assessed for investors wishing to purchase shares of low-cost funds. See the prospectus for details. Certain low-cost funds may only be available to you if you retain certain investment advisors.

5Annual savings are based on an industry average M&E charge of 1.35%. Monument Advisor’s flat annual insurance fee of $240, and a Monument Advisor average contract value of $249,000 (as of 12/14).

6Stretching is suitable for individuals who will not need the money in the account for their own retirement. There are risk associated with stretching, such as changes to tax laws and the impact of inflation.

Variable annuities are subject to market fluctuation and risk. Principal value and investment returns will fluctuate and you may have a gain or loss when money is withdrawn. Variable annuities are long-term investments to help you meet retirement and other long-range goals. Withdrawals of tax-deferred accumulations are subject to ordinary income tax. Withdrawals made prior to age 59 1⁄2 may incur a 10% IRS tax penalty. Variable Annuities are issued by Jefferson National Life Insurance Company, (Dallas, TX), or Jefferson National Life Insurance Company of New York (New York, NY) and distributed by Jefferson National Securities Corporation, FINRA member. Policy series JNL-2300-1, JNL-2300-2, JNL-2300-3, JNL-2300-1-NY. JNL201502-A013

JEFFNAT Monument Advisor ebook

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