Tax Deferral

Investment Only Variable Annuities

Allocations for IOVA accounts are Strategic in ideology. IOVA’s on this platform are designed to provide broadly diversified mutual fund  sub-account selection in a cost effective, completely liquid, tax-deferred investment vehicle.

IOVA platforms are limited to the sub-account fund selections available through the carrier’s separate account; therefore, an active trading opportunity does not exist. The models for this platform, however, will be reallocated no less than twice annually.

The tax-free nature of municipal bonds/funds, for conservative income investors, can be managed in a traditional brokerage account; therefore, an income allocation model is not available on the IOVA platform.

Momentum Balance IOVA

          Objective:  Macro allocation with a balance of non-equity and equity allocations for core holdings.  A moderate, flexible allocation is utilized for sector selection. The portfolio may allocate 100% to Money Market sub-account funds during periods of extreme and sustained volatility.

Momentum Growth IOVA

            Objective:  Macro allocation with a goal of producing capital appreciation from core holdings.  A growth oriented core equity allocation with a secondary preference for dividend yielding equity assets. A sector allocation is utilized to take advantage of perceived momentum.  The portfolio may allocate 100% to Money Market funds during periods of extreme and sustained volatility.