VA / VUL

We currently offer two strategies each for Variable Annuities and Variable Universal Life, one conservative and the other aggressive.

We are able to employ our strategies within a variety of products at a wide selection of Variable Annuity and Variable Universal Life custodians. To learn more about a strategy and which products we are able to manage, click on the name of the strategy.

Risk Managed – VA

The objective of the Risk Managed Variable Annuity strategy is to reduce portfolio risk and overall loss while seeking to achieve superior returns to its benchmark over a complete market cycle. To accommodate this more conservative approach, Risk Managed Variable Annuity is typically invested in 5 to 10 positions from a broad universe of domestic and international equities, and will employ money market/cash or short* mutual fund positions during adverse market conditions. The Risk Managed Variable Annuity cannot be net short in the portfolio. The Risk Managed Variable Annuity can be fully invested, partially in cash, completely in cash, or even partially short as a hedge against existing long positions. While the Risk Managed Variable Annuity may limit the overall losses suffered during major market declines, it may also limit returns in advancing markets. Risk Managed is our most conservative strategy emphasizing capital preservation over investment return. Risk Managed Variable Annuity Custodians:

  • Nationwide
  • Sun Life
  • Prudential
  • Genworth Financial
  • Security Benefit
  • Pacific Life

Dynamic – VA

The objective of the Dynamic Variable Annuity is to exploit intermediate trends in the markets by being fully invested in both domestic and international equities. As a result, the Dynamic Variable Annuity takes an aggressive approach, seeking to out-perform its benchmark over a complete market cycle. The Dynamic Variable Annuity is typically allocated into 5 to 10 positions from a broad universe of domestic and international equities, encompassing a variety of asset classes and sectors. Dynamic is a high-risk strategy emphasizing investment return over capital preservation by keeping portfolio assets actively invested at all times. Dynamic Variable Annuity Custodians:

  • Nationwide
  • Sun Life
  • Prudential
  • Security Benefit
  • Pacific Life

Risk Managed – VUL

The objective of the Risk Managed Variable Universal Life (VUL) strategy is to reduce portfolio risk and overall loss while seeking to achieve superior returns to its benchmark over a complete market cycle. To accommodate this more conservative approach, the Risk Managed VUL is typically invested in 5 to 10 positions from a broad universe of domestic and international equities, and will employ money market/cash or short* mutual fund positions during adverse market conditions. This strategy cannot be net short in the portfolio. The Risk Managed VUL can be fully invested, partially in cash, completely in cash, or even partially short as a hedge against existing long positions. While the Risk Managed VUL may limit the overall losses suffered during major market declines, it may also limit returns in advancing markets. Risk Managed is our most conservative strategy emphasizing capital preservation over investment return. Risk Managed Variable Universal Life Custodians:

  • Manulife
  • Pacific Life
  • Phoenix Life
  • Hartford
  • John Hancock
  • Security Life of Denver

Dynamic – VUL

The objective of the Dynamic Variable Universal Life (VUL) strategy is to exploit intermediate trends in global markets by being fully invested in domestic and international equities. As a result, the Dynamic VUL takes an aggressive approach, seeking to out-perform its benchmark over a complete market cycle. The Dynamic VUL is typically allocated into 5 to 10 positions from a broad universe of domestic and international equities, encompassing a variety of asset classes and sectors. The Dynamic VUL is a high-risk strategy emphasizing investment return over capital preservation by keeping portfolio assets actively invested at all times. Dynamic Variable Universal Life Custodians:

  • Manulife
  • Security Life of Denver