WHAT IS RIAM?

RIAM is a software application for designed to help financial advisors clearly and concisely illustrate a retirement income distribution strategy using income “buckets” or “ladders”.

DO I HAVE TO USE ANY SPECIFIC PRODUCTS TO USE RIAM?

No. RIAM was designed so that advisors could use any investment products to fund each portfolio. We have advisors that use mutual funds, annuities, seperately managed accounts, ETF's, and individual securities in each portfolio.

DO I NEED MY COMPLIANCE DEPARTMENT TO APPROVE RIAM?

Yes. The illustrations produced by RIAM have been reviewed and approved my many of the industry's top broker/dealers. Each illustration prints with appropriate disclosures on each page. Before you can subscribe to RIAM, our team will get the illustrations approved by your broker/dealer.

CAN I CUSTOMIZE MY ILLUSTRATIONS TO INCLUDE MY SPECIFIC BROKER/DEALER DISCLOSURE?

Yes. Each broker/dealer has specific language that they need to include in your disclosure statement. Since our team will seek the appropriate approvals from your broker/dealer, we'll ask you for your disclosure so that we can create a sample income plan that can be reviewed an approved by your compliance department.

CAN I SUBSCRIBE TO RIAM ONLINE?

No. We believe that to get the full benefit of this application you'll need to speak with one of our sales and support managers. They will show you around the product and answer any questions that you have. If you'd like to schedule a brief demonstration, please contact us.

WHAT IS THE SALES PROCESS LIKE?

Our main objective is to make sure that you have a good handle on what RIAM can do for your practice. As a result, we've developed an application that is very intuitive to use and will allow you to become an expert with it in only a few minutes of instruction. Additionally, we like to help you with your first income plan and ensure that you know how to market our new tool to your existing client base. Here's a brief overview of our sales process:

1. Walk you through a brief demonstration

2. Gather all necessary disclosures and submit our illustrations to your compliance department for approval.

3. Once we've received compliance approval from your broker/dealer, we'll help you through the preparation of your first income plan.

4. Lastly, we'll show you how to effectively market your new tool to your clients and prospects.

In short, we'd like to make the implementation of RIAM into your practice and smooth and efficient as possible. We'll encourage you to lean on our sales and support team frequently as you get up and running.

ARE THERE GROUP DISCOUNTS AVAILABLE?

Yes. If more than one advisor in your office subscribes to RIAM, each advisor qualifies for a 20% discount on our annual subscription.