In today’s world, career changes are the norm … not the exception. That can leave your clients’ retirement savings scattered across multiple employers and accounts, making it easy to lose sight of their retirement savings. But with a little guidance from you, they can bring those retirement dollars into sharp focus.
Helping your clients see their options
The FREE Rollover Ready Toolkit can help you and your clients talk through their goals and decide whether a rollover to a mutual fund IRA is a good fit for them.
Our Rollover Ready Toolkit includes:
| • | Mutual Fund IRA Opportunity Checklist: This step-by-step guide was created to help identify opportunities for you and your clients, including those who are looking to diversify with a multi-manager investment platform and streamline their retirement accounts. |
| • | Client Rollover Overview: This thought-provoking client piece helps illustrate some of the ways consolidating past retirement plans, like old 401(k)s, may help save time, lessen paperwork, and potentially lower fees and expenses. |
| • | Have and Have Nots Highlight Sheet: This rep-facing piece simply outlines what makes the LiveWell® Mutual Fund IRA stand out. |
| • | LiveWell Mutual Fund IRA Brochure: This brochure walks your clients through this simple, straightforward retirement solution that allows them to have full control over their account. |
Taking a closer look at the LiveWell Mutual Fund IRA
With the LiveWell® Mutual Fund IRA, your clients WON’T see:
| X | Front-end charges |
| X | Back-end charges |
| X | Charges for reallocating or rebalancing1 |
| X | Fees for required minimum distributions (RMDs) |
| X | Charges for systematic withdrawals |
| X | Proprietary funds |
| X | Sub-advised funds |
| X | Annual custodial fee2 |
With this one platform, your clients WILL see:
| ✓ | Well-known funds—Access to over 160 mutual funds from 20+ popular fund managers |
| ✓ | Straightforward fees—One recordkeeping fee based on total assets plus standard fund expenses3 |
| ✓ | Full liquidity4—Zero transaction fees and no withdrawal charges, providing full control over the account |
Questions?
Contact our Sales Desk at 855-624-0201 to take a closer look at the LiveWell® Mutual Fund IRA
and how we can help your clients reach their financial goals.
1 Excessive trading policy; more than one “round trip” involving the same investment option within a 60-calendar-day period is considered excessive trading. Please review the Disclosure Statement & Custodial Account Agreement of the LiveWell® Mutual Fund IRA booklet.
2 The Annual Recordkeeping Fee covers both custodial and administrative fees.
3 Fund options and associated standard mutual fund fees are as of 9/30/2025. Standard mutual fund fees, ranging from 0.61%–3.03% net, also apply.
4 Taxes are payable upon withdrawal of funds, and a 10% IRS penalty may apply to withdrawals prior to age 59½. Sammons Institutional Group®, Inc. and Sammons Financial Network®, LLC., member FINRA, do not give tax, legal, or investment advice. Please consult with and rely on your own tax, legal, or investment professional(s).
Investing in mutual funds involves risk, including potential loss of investment. You and your client should consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus and/or summary prospectus contain this and other information. You or your client can visit srslivewell.com/prospectus or call 866-747-3421 to obtain a current prospectus for the mutual fund and its underlying investment options. Inform investors to carefully read the prospectus before investing.
Before making any rollover decisions, you and your client must carefully consider all available retirement plan options including leaving the money in the current plan (which may be beneficial in certain circumstances), rolling the money to the new employer's plan, installment and annuity payments (if available) and IRA rollovers. The key factors for the decision include: 1) investment options, 2) fees and expenses (including both investment options and account-related fees and expenses), 3) differing service levels available, 4) withdrawal penalties, 5) creditor and legal protections, 6) required minimum distributions, 7) employer stock, 8) income needs, and 9) tax impact and penalties. Tax consequences will vary and your client should consult with a tax or legal professional.
UMB Bank n.a. is the custodian for the LiveWell® Mutual Fund IRA. The mutual funds offered through the LiveWell® Mutual Fund IRA are made available through Sammons Financial Network®, LLC., member FINRA, 8300 Mills Civic Pkwy, West Des Moines, IA 50266. Information about the LiveWell® Mutual Fund IRA and its funds can be obtained by calling 866-747-3421.
Securities distributed by Sammons Financial Network®, LLC., member FINRA. Sammons Institutional Group®, Inc. provides administrative services. Sammons Retirement Solutions® is a division of Sammons Institutional Group®, Inc. Sammons Financial Network®, LLC., member FINRA, Sammons Institutional Group®, Inc., and Sammons Retirement Solutions® are not affiliated with UMB Bank n.a.
As independent financial professionals, it is up to you to choose whether any of the sales concepts contained in these materials might be appropriate for use with your particular sales strategy and clients. Please note that Sammons Retirement Solutions® does not require you to use any of these sales concepts; they are resources that can be used at your option for your own individualized sales presentations if appropriate for the particular client and circumstances.
You must be a Registered Representative and your Broker/Dealer must have an agreement with Sammons Financial Network®, LLC., member FINRA, in order to receive materials.
NOT FDIC/NCUA INSURED, MAY LOSE VALUE INCLUDING LOSS OF PRINCIPAL, NO BANK/CU GUARANTEE, NOT A DEPOSIT, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY.
FOR INSTITUTIONAL USE ONLY. NOT INTENDED FOR CONSUMER SOLICITATION PURPOSES.
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39514R-60360 PRT 09-25