A DMI UNIVERSITY SPECIAL BRIEFING · FOR FINANCIAL PROFESSIONAL USE ONLY
Sequence Of Returns Risk
Two clients. The identical 9% average return. The same withdrawals. One thrives — the other runs out of money at 83, purely because of the order the good and bad years arrived. See the tool that makes it visible in five seconds, and the playbook that turns it into a client “yes.”
LIVE WEDNESDAY | JULY 22 | NOON ET | 45 MIN + Q&A
BEHIND THE SESSION
The Tool: The Sequence of Returns Calculator. A live, interactive visual that turns an abstract risk into a five-second “aha.” Set the nest egg, withdrawal rate, and retirement age, then flip between a Bull Market Early and Bear Market Early start and watch the outcomes split apart — same 9% average, opposite endings. It’s the difference between handing an advisor a brochure and handing them a moment they can recreate in front of a client.
The Playbook: Erick Lindewall, VP of Annuity Sales. Erick has walked hundreds of advisors through this exact conversation. He doesn’t just explain the math — he teaches you how to find the exposed clients, explain the risk without the jargon, and position protection so the client asks you for it.
SEE IT. SAY IT. SOLVE IT.
Every advisor has a client who’s sure they’re “all set.” A bad first year of retirement says otherwise. This hour shows you how to find that risk — and what to do when you do.
01 SEE IT — the risk hiding in your own book.
The calculator surfaces what an average return conceals: two retirees, the same 9% average, and one running out of money while the other thrives. The only variable is timing — and record-high markets mean the clients closest to retirement have the most to lose if a downturn hits early.
02 SAY IT — the conversation, without the jargon.
61% of people say they’re more afraid of running out of money than of death. That fear is the opening. Erick shows you how to explain sequence risk in the first two minutes and make a near-retirement client actually feel it.
03 SOLVE IT — protect the first years of income.
When you reposition a slice of the portfolio into principal-protected, guaranteed-income strategies, you neutralize the risk at exactly the moment it matters most. DMI’s access to 50+ carriers means true product-neutral case design — no single-product agenda.
WHO IT’S FOR
Advisors with clients in the retirement “red zone” — the five years on either side of the retirement date — who want the visual and the talk track to start the conversation:
- DMI agents and independent advisors with red-zone clients (roughly age 58–68, heavy equity exposure, taking or about to take income)
- Fiduciary IARs who may not be annuity-licensed and want DMI to bridge the gap
- Advisors who know a downturn is coming eventually and want to get ahead of it before it does
- Anyone who’s struggled to start the protection conversation and wants a tool that starts it for them
Featured PresenterS
Claim Your Seat!
Forty-five minutes with the presenter and the tool behind the campaign. Walk out able to find sequence risk in your own book — and to show a client, in five seconds, exactly why “it’ll average out” isn’t the whole story.
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What You'll Learn
- How to spot the red-zone clients hiding in your current book — the ones who don’t know they’re exposed
- How to explain sequence-of-returns risk fast, without the jargon, so clients grasp it in the first two minutes
- How to run the calculator live with a client — and use it as a lead magnet on your own site
- How to incorporate risk-mitigation strategies that protect the critical first years of income
- How to position the solution so the client asks you for it — not the other way around
SAME AVERAGE. DIFFERENT ORDER. OPPOSITE ENDING.
Spend an hour with us and you’ll never hear a client say “it’ll average out” the same way again.
Every attendee gets full use of the Sequence of Returns Calculator and the client-approved Bear Market flyer. Want the calculator personalized and embedded on your own website, co-branded with your name and firm? That’s a DMI Licensed agent benefit — and it runs 24/7 as a lead magnet for you.
Try it now: dmiuniversity.com/sequence-of-returns-calculator/