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Some rules are made to be broken...don't settle for a 4% withdrawal rate.

With Commission-Free Annuities, you don’t have to.

For decades, the 4% Rule has been the accepted standard for withdrawals from retirement savings. But, with today's market volatility, high inflation, and increasing correlation across asset classes, 4% may no longer be the formula to deliver a secure retirement that can last 30 years or more.


With the advent of modern, Commission-Free annuities, advisors and their clients have access to solutions that not only can deliver greater income than the 4% Rule, but can do so with less money and less risk. How? The inherent income efficiency of an annuity can help ensure each dollar goes further in retirement with low-cost, guaranteed lifetime income, and withdrawal rates as high as 9.3% annually1.


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"Commission-Free Annuities are the most important product innovation since the ETF."
Efficient Income

Annuities can generate income 40%* more efficiently than bonds.

Peace of Mind

Annuities act as a personal pension, guaranteeing income payments for life.

Asset Protection

Annuities can protect assets from market volatility and other risks to income.

We hear you. And we're here to help.

Below are some common objections we hear from advisors, and how DPL can help alleviate them.

“My clients don’t want or need annuities.”

The annuity market is a $4T market — showing a clear consumer desire for guaranteed income. The psychological benefits of annuities are well documented, including peace of mind and increased happiness in retirement. Not only can they provide that peace of mind, annuities can also provide a budget for those who tend to overspend or a freedom to enjoy their retirement for those who are afraid spending will cause them to run out of money in later years.

“My fixed income portfolio can outperform an annuity.”

This is a common statement from advisors who have not yet made the comparison to a no-load annuity. An annuity is built on the insurance carrier’s balance sheet, which resembles a large, scaled bond ladder. So, insurance products will often perform like fixed income investments, but where they shine relative to traditional fixed income portfolios is in the income they can generate. We encourage you to run the numbers.

“Allocating my client to an annuity means lost revenue to my firm.”

While this used to be the case when insurance was commission-based, with fee-based products, insurance can be additive to AUM rather than lost AUM.


Talk to a DPL Consultant

Jonathan Barth - DPL Consultant
Benefits of Annuities in the Financial Plan

DPL Consultant Jonathan Barth explains how a commission-free annuities help RIAs provide better client outcomes.

Benefits of Annuities in the Financial Plan

Lead Consultant, Jonathan Barth, shares how DPL’s team help financial advisors improve client cases with Commission-Free solutions and model annuities within their clients’ financial plans to better illustrate the benefits the solutions can provide.  

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May 13, 2021
Founder and CEO, David Lau, describes the mission-driven nature of DPL and how the team...

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Jan 22, 2020
DPL Financial Partners' Sam Johnson explains how conversations with fee-only advisors have evolved over the...
David Lau

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Feb 07, 2019
David Lau explains why advisors have to bill on insurance as they would on any...
David Lau

Video

Feb 07, 2019
David Lau talks about the importance of DPL’s Founding Members to the company and the...

Webinar

Sep 28, 2023
Join us for an informative and interactive member update led by DPL Founder and CEO...
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Video

May 18, 2020
David Blanchett, head of retirement research for Morningstar’s Investment Management group, says that among the...

Video

Jun 10, 2022
Founder and CEO of DPL Financial Partners, David Lau provides tips on how to share...

Video

Apr 20, 2020
David Blanchett, head of retirement research for Morningstar’s Investment Management group, and DPL’s David Lau...

Video

Jun 08, 2022
Lead Consultant, Jonathan Barth, shares how the DPL team help financial advisors explore and understand...

Get Started

To learn more about low-cost, Commission-Free solutions call us at 1-877-625-5544 and speak to a DPL consultant.

1Payout rate offered by a leading DPL carrier. Rates are guaranteed by the insurance carrier and subject to change without notice. Rates current as of August 22, 2022.