$84 trillion will change hands in the coming decades. Savvly's Longevity Benefit helps you keep clients for life, keep AUM, and keep the next generation.
When your clients retire, your practice starts shrinking. Portfolios go conservative. Drawdowns begin. AUM declines. And even before clients die, their children take the money somewhere else.
According to Cerulli Associates, only 27% of prospective heirs plan to keep their benefactor's advisor. Among those who inherited, only 20% stayed with the same advisor.
"You never have to ask a client when they expect to die. The fund mitigates their longevity risk. In most cases, the worst question in retirement planning disappears."
Savvly changes the math. A small allocation to the Longevity Benefit addresses late-life expenses from a separate source, freeing the primary portfolio from the pressure of funding an unknown lifespan.
Your AUM stays invested. Your client stays engaged. And the wealth transfer mechanics give you a reason to be in the room with their children.
Savvly's Longevity Benefit is an SEC-registered security. Your client contributes a small fraction of their retirement assets. That allocation is invested in low-cost S&P 500 index funds and held until payout milestones at ages 80, 85, 90, and 95.
When investors exit early, a portion of their growth may be reallocated to remaining investors (per the Exit Rule), so those who live longer may receive significantly more, potentially 3 to 4 times more, depending on market performance. See prospectus for details.
The benefit: your clients may receive more money in late retirement, when they need it most and when traditional assets are most strained.
A capital markets product that protects your practice as much as it protects your clients.
The Longevity Benefit reduces pressure on the primary portfolio during drawdown years. Your client's main assets stay invested with you, not liquidated to fund a 30-year retirement.
Investors with the Longevity Benefit still have a reason to sit down with you well into retirement. The relationship doesn't end when drawdowns begin.
The wealth transfer mechanics give you something specific to bring to the table with your client's heirs, before they take the inheritance somewhere else.
No insurance license, no outside producer, no referral to a third party. You recommend it, you implement it, you keep the relationship and the AUM.
When late-life income is addressed separately, you and your client have more flexibility in how the primary portfolio is allocated and invested over time.
Payouts arrive as shares, not cash. No taxable event until liquidation. Heirs may receive a step-up in cost basis. Savvly does not provide tax advice. See prospectus for details.
Your client allocates a fraction of their retirement assets to Savvly. You decide the amount based on their plan and the Longevity Benefit outcome estimator. You maintain full control of the client's portfolio. Nothing moves off your book. The custodian is U.S. Bank. Your role doesn't change. You just have a better answer to the hardest part of retirement planning.
The early withdrawal value is calculated as 75% of your contribution plus an additional 1% for each year held, capped at 100%. This percentage is applied to the lesser of your original investment (excluding any sales load) or its current market value and is calculated for each remaining scheduled payout. For a full breakdown, please review the fund prospectus.
Why not give back 100%? The remaining portion funds the increased potential payouts for investors who reach 80 and beyond. That's what makes the Longevity Benefit work.
A hypothetical case study. All names and figures are fictional.
Grace has $3.2 million under management with her advisor, William. She's planning to retire at 62 and move to Florida. William knows what happens next: more conservative investment allocation, systematic drawdowns, and eventually, the loss of the account.
Hypothetical payout on $100,000 allocation (allocated at age 58)
Hypothetical illustration only. These amounts may fluctuate based on S&P 500 returns and fund performance. These are potential outcomes, not guarantees. Investment involves risk, including possible loss of principal. See fund prospectus for full details.
Savvly is not an insurance policy or annuity. All potential benefits depend on contribution levels, investor eligibility, and market performance. Individual results may vary.
Book a 30-minute advisor demo. We'll walk you through the fund structure, the portfolio case, and how to present Savvly to clients and their heirs.