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How Lantz Financial Creates an Insurance “Hub” with DPL

Dan Rohlfing and the Lantz Financial Team uses DPL's MYGA Marketplace in their hybrid practice.

PROFILE: Dan Rohlfing was searching for cost-effective ways to enhance his overall planning strategies in today’s fixed income market. Dan needed a solution that could replace his CD-ladder strategy without assuming additional risk.

SOLUTION: Multi-Year Guaranteed Annuity (MYGA)

OUTCOME: Using his Advent Insurance Marketplace membership through BlackDiamond, Dan began implementing MYGAs into his clients’ portfolios. Dan was able to deliver higher interest rates with less required duration, while introducing additional benefits into the financial plan. Given their CD-like function, clients found MYGAs easy to understand, helping make the potential benefits even more accessible.

DPL is helping our firm operate as efficiently as possible for our clients as we use these products in their financial plans. — Dan Rohlfing, DPL Member

What is a MYGA?

A type of fixed annuity, a MYGA is a simplified wealth accumulation product without any riders or explicit fees. Advisors are using MYGAs to protect principal while still providing clients with higher returns than cash allocations or current interest rates in comparable fixed income instruments. MYGAs can be useful in attracting and retaining assets otherwise held in bank-issued CDs, allowing for more a holistic approach to portfolio management.

How to Think about Fixed Annuities

CD Replacement: As CDs mature, fixed annuities offer a higher-yielding fixed income replacement in the portfolio.

Tax Deferral: Unlike a CD, fixed annuity interest is tax-deferred, helping maximize the benefits of the annuity.

Protected Growth: Like a CD, fixed annuities provide growth opportunity with protection from market volatility.

To learn more about fixed annuities and how to access them, call 877.625.5544 to speak with a DPL Consultant.

Guarantees are based on the financial strength of the issuing insurance company. Fixed annuities are not FDIC insured. Not insured by any federal government agency. Rates are subject to change. ©2023 DPL Financial Partners, LLC. All rights reserved.

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