Advisory Product Index

Explore the advisory-class protection and income solutions available through RIA Fiduciary Solutions.

Organized by category for fast reference. Contact us for case design, suitability support, and illustrations.

FIXED ANNUITY (MYGA) OPTIONS

Client Risk Profile: Low
Protection Level: Very High
Funding Source: Cash, CDs, Short-Term Fixed Income

Highlights:
• Guaranteed Multi-Year Interest Rate
• 100% Principal Protection
• Tax-Deferred Growth
• Zero Market Volatility

A fixed (MYGA) annuity provides a guaranteed interest rate for a set term, similar to a CD but with tax-deferred accumulation. These may be ideal for conservative clients prioritizing stability and predictable returns.

FIXED-INDEXED ANNUITY (FIA) OPTIONS

Client Risk Profile: Moderate
Protection Level: High
Funding Source: Fixed Income / Conservative Allocations

Highlights:
• Principal Protection from Market Loss
• Index-Linked Growth Potential
• Guaranteed Lifetime Income Options
• No Advisory Surrender Charges (Advisory-Class FIAs)

A fixed-indexed annuity protects principal while allowing for upside potential linked to market indices—without direct market exposure. FIAs help reduce volatility while providing tax-deferred growth and income potential.

REGISTERED INDEX-LINKED ANNUITY (RILA) OPTIONS

Client Risk Profile: Moderate to High
Protection Level: Moderate (Buffer or Floor)
Funding Source: Equity / Growth Allocations

Highlights:
• Structured Market Participation
• Defined Downside Protection (Buffers / Floors)
• Greater Upside Potential vs. FIAs
• Tax-Deferred Growth

RILAs offer market-linked returns with partial downside protection. They allow clients to take on controlled risk (via buffers or floors) in exchange for enhanced growth potential, functioning like a fee-based alternative to structured notes.

VARIABLE ANNUITY (VA) OPTIONS

Client Risk Profile: High
Protection Level: Low
Funding Source: Equity Allocations

VA Highlights:
• Market-Based Investment Growth
• Optional Guaranteed Lifetime Income Riders
• Tax-Deferred Accumulation
• Death Benefit Options

Description:
A variable annuity is a tax-deferred contract whose value fluctuates based on the performance of underlying investment subaccounts. VAs are built for clients seeking long-term growth and flexible income features while accepting full market volatility.

VARIABLE UNIVERSAL LIFE (VUL) OPTIONS

Client Risk Profile: Moderate to High
Protection Level: Moderate (Policy Guarantee + Investment Risk)
Funding Source: Long-Term Tax or Legacy Planning Allocations

Highlights:
• Tax-Advantaged Cash Value Growth
• Flexible Premium Designs
• Market-Based Investment Options
• Income & Legacy Planning Benefits

Variable Universal Life combines permanent life insurance with investment flexibility through subaccounts. Cash value grows tax-advantaged and can support income planning or legacy strategies. Advisory-class VUL brings transparency, no commissions, and RIA-friendly pricing structures.

Top 5 Reasons RIAs Turn to Advisory Annuities & Life Solutions

Protect more. Simplify more. Deliver more.
Advisory annuities and life solutions help planners strengthen client outcomes with lower friction, clearer economics, and modern features that fit the fee-only model.

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Securities offered through Simplicity Investments, Member FINRA/SIPC, 475 Springfield Ave, Summit, NJ 07901 (303) 797-9080. RIA Fiduciary Solutions (“RFS”) is not affiliated with Simplicity Investments. This is not an offer to sell or a solicitation to buy in any state the representative is not securities registered and insurance licensed in.

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