Retirement Income Platform

RetirementBrain

One of the most important decisions your clients will make in their lifetime is how to plan for retirement. RetirementBrain is here to help.

Get Contracted Call (480) 816-9000

An interactive, collaborative retirement conversation for you and your clients.

RetirementBrain is a tool for licensed insurance agents and advisors. Looking for coverage as a consumer? Talk to a Brokers Alliance agent.

What it is

RetirementBrain is a client-facing retirement planning platform built in house by Brokers Alliance that combines interactive financial calculators with insurance and annuity products. Other retirement planning tools are limited to illustrating only one retirement option with a "one size fits all" comparison. RetirementBrain allows you to compare multiple options, customized with your client's numbers, in an interactive and collaborative environment.

It runs on any device, in any meeting, and it is included with a Brokers Alliance contract at no additional cost. RetirementBrain helps you tell the story of permanent life insurance and relates it back to your client in four critical ways.

The Conversation

Four ways to tell the permanent life insurance story

Each one, customized with your client's real numbers, in a side-by-side comparison.

Market Volatility

Just how exposed is your client's current retirement plan? Alternative solutions such as an IUL can provide protection from market downturns.

Income Longevity

How long will their retirement income last? Supplement with income that lasts a lifetime.

Tax Deferred vs Tax Free

There's a difference and it can be costly. There are valuable tax benefits to planning with insurance.

Fees

Compare the fees in a traditional plan to those in an IUL. You can offer your client relief from excessive fees.

What is inside

Six calculators, one conversation

Each module answers a question a client is already asking, and each one runs off the same set of numbers you enter once.

IG Income Gap Supplementation

Spot the gap between what your client will need in retirement and what their current plan produces, then show how an IUL can help fill it.

RC Roth Conversion

Model a tax-deferred account converted into a tax-advantaged strategy, with an IUL shown as a Roth alternative.

AC Accumulation

Show how an IUL can grow with a floor against market losses and steady compounding over the accumulation years.

AI Annuity Income Plan

Illustrate a guaranteed income stream for life, so the client can see what protection against outliving their savings looks like.

IR Inflation Rate Calculator

Project real retirement income after inflation, so purchasing power is part of the conversation rather than an afterthought.

QS Qualified Account Spend Down

Reveal how quickly a traditional qualified account can run dry under a given withdrawal pattern.

In the meeting

Built for the kitchen table and the screen share

The point of RetirementBrain is that the client watches the numbers move. It turns complex retirement planning into simple, visual storytelling.

01 Compare side by side

Put the client's current plan next to an IUL or annuity strategy and show how floors, caps and fees change the long-term picture.

02 Model the real drags

Tax treatment, inflation and fee reductions are all inputs you can move while the client is watching.

03 Run it to age 100

Show clients how long their money lasts under each scenario rather than stopping the illustration at retirement date.

04 Share a secure link

Send the analysis home so the client can explore it themselves, which is usually where the spouse conversation happens.

The strategies

Four strategy families your client can see modeled

Every retirement goal is different. RetirementBrain models the strategies that fit the goal instead of pushing one product.

IUL Indexed Universal Life

Tax-advantaged growth potential with downside protection and flexible premium payments. Modeled with a floor against index losses, flexible premiums and a legacy benefit. More on IUL.

A-R Annuity Roth

A tax-advantaged growth strategy paired with guaranteed income, with no contribution limits and flexible withdrawal options.

A-I Annuity Income

Guaranteed lifetime income with tax-deferred growth, flexible payout options and protection from market fluctuation. Fixed indexed annuities.

A-A Annuity Accumulation

Tax-deferred growth with flexible contributions, principal protection from market volatility and customizable payout options. MYGA options.

Values and benefits are not guaranteed unless stated as guaranteed on the illustration. See the disclosure below.

The rest of the bench

RetirementBrain is one of several tools you get

Brokers Alliance builds its own software rather than licensing it, and everything here is included with a contract.

MC MyAdvisorCloud

The agent dashboard and single sign-on for the whole suite, including quoting, digital contracting and e-signature applications. About MyAdvisorCloud.

MG MyAdvisorGrids

Your commission levels and hierarchy in one place, so you know what a case pays before you write it. About MyAdvisorGrids.

SS Social Security Gap Calculator

Quantify the gap Social Security leaves behind before you model how to fill it. Open the calculator.

Questions

Common questions about RetirementBrain

What is RetirementBrain?

RetirementBrain is a client-facing retirement planning platform built in house by Brokers Alliance. It combines six interactive calculators with insurance and annuity strategies so an agent or advisor can compare a client's current plan against alternatives in a single, visual conversation.

Who can use it?

Licensed insurance agents and advisors contracted with Brokers Alliance. It is a producer tool used with clients, not a consumer self-service product.

What does it cost?

Nothing beyond the contract. RetirementBrain is included with a Brokers Alliance contract, along with MyAdvisorCloud, MyAdvisorGrids and LifeBrain.

Can clients look at the analysis on their own?

Yes. You can share a secure link so the client can explore their own analysis at home, which is usually where the decision actually gets made.

Does it work on a tablet or over a screen share?

Yes. It is designed to run on any device, in person or in a virtual meeting.

How do I get access?

Get contracted with Brokers Alliance and RetirementBrain is available through your MyAdvisorCloud sign-on. Call (480) 816-9000 or contact the team.

Let RetirementBrain help your clients make informed decisions about their retirement planning.

For more information on this and other opportunities, contact your Brokers Alliance® Agent Relationship Manager at (480) 816-9000.

This page is a general discussion of the topic presented, based on our current understanding of applicable tax laws, regulations, and rulings. This information in no way should be interpreted as investment or tax advice. In actual practice, the transactions discussed may be more complex and will require the attention and expertise of professional tax and legal advisors. Unless expressly stated otherwise, any reference to U.S. Federal tax information contained in these materials is not intended or written to be used, and cannot be used, by any person for the purpose of avoiding any penalties that may be imposed by the Internal Revenue Service. Values and benefits are not guaranteed unless stated as guaranteed on illustrations. Examples are used to illustrate the potential benefits of indexed universal life insurance under IRS Sec. 7702 and 72(e). Portions of any presentation are based on NAIC compliant life insurance illustrations which must be present during the presentation and fully reviewed for additional disclosures.