Gain peace of mind while building & preserving your legacy
Savvly is now available to accredited investors and qualified purchasers.
Why Savvly
33% of today’s 65-year-olds can expect to live past 90.
66% of people run out of money before they reach 85. Even wealthy investors can outlive their savings if they aren’t prepared.
But less than 5% of portfolios have long life protection.
Savvly can help change that. It’s designed to provide investors with late life payouts when they need them the most.
Savvly helps give the best of both worlds: longevity protection typical of annuities with the upsides of the market.
What type of investor are you?
You're a non-professional, individual investor.
You earn more than $200k/year (or $300k/year with spouse), have a net worth over $1 million, or are an investment professional.
You or your family business holds an investment portfolio with a value of $5 million or more.
For Retail Investors:
Embrace Longevity
Download our free report “Embracing Longevity”
to learn how Savvly can help provide the financial security
you need in your golden years.
For Accredited Investors:
Gain financial peace of mind
With just a small investment, Savvly late-life payouts can help strengthen your financial safety net and secure your independence
Late Life Payouts
Designed to provide additional resources for the second phase of retirement
Early Retirement
Helps you retire early or spend more now without regrets, expecting your payout later
Risk Management
Has you covered long-term, so you can focus on higher yield products in the short-term
Peace of Mind
Helps ensure peace of mind you won’t run out of money or create a financial burden on your loved ones
For Qualified Purchasers:
Build & preserve your legacy
Savvly is a tax-efficient way to help protect your estate and leave your loved ones a lasting financial legacy
Legacy Protection
Help ensure you reach your estate plan objectives and leave a lasting financial legacy for those who matter most
Efficient Wealth Transfer
Savvly leverages pass-through in-kind returns so you can leave more money behind to family or charity*
Tax Efficiency
Significant tax benefits help you keep more, including the option to donate to charity with a tax-write off for appreciated assets*
Risk Management
Diversification across time helps you focus on higher yield products in the short-term
Case studies
How people have benefited from using Savvly in their investment strategy.
Savvly helped Fred retire early and spend more now
Fred, 57, wants to spend less time working and more time traveling. To hit his target income of $15,000 per month, he’ll need $4.5M*, but he currently has just $3.6M. This means he’ll need to work four more years before he can start living his retirement dreams**.
Fred allocates less than 10% of his portfolio to Savvly and selects a payout age of 85. This lets him retire today, since the lump-sum payout will have him covered later in life. Plus, with his Savvly payout, he would have over $6.4M left at age 85, so he can rest assured he can maintain his lifestyle and won’t expect to outlive his savings. With Savvly, Fred can put in his notice at work today and start planning his first adventure!
** Assumes net accumulation of $61K per year until retirement, retirement portfolio real growth of 4% per annum, and S&P 500 real growth of 7.5% per annum
Savvly helped Dana leave her daughters a fortune
Dana recently sold her business for $10M, leaving her enough to retire comfortably. However, she wants to make sure she leaves as much as possible to her two daughters, while optimizing his tax efficiency.
Dana puts $300K into the Savvly longevity pool and selects a payout age of 90. Her Savvly investment would have grown to ~$3.8M in 35 years, but with her Savvly multiplier, it ended up being $10.8M!1 Plus, Dana had more than enough in other assets to hold those shares with unrealized gains until she passed away at 96. Those shares (now worth over $16.6M and still untaxed) were left to her children, at which point the tax basis stepped up from $300K to $16.6M.
Savvly helped Victor enhance his lifestyle now
Victor has built up wealth of $20M over his career and is ready to retire at 65 years old. He has a couple of wishlist items that add up to $5M. He wants to make these purchases, but knows he needs to protect his estate, too.
Victor’s adviser showed him that a small $500K investment in Savvly with a payout age of 90 can make this happen. By serving as a counterbalance to longevity and taking advantage of the fact that HNW individuals live longer, Victor could still make all of the purchases and investments he desires, sacrifice nothing, and still leave $12.6M to his children!4
Wants to retire early
Savvly helped Fred retire early and spend more now
Fred, 57, wants to spend less time working and more time traveling. To hit his target income of $15,000 per month, he’ll need $4.5M, but he currently has just $3.6M. This means he’ll need to work four more years before he can start living his retirement dreams*.
Fred allocates less than 10% of his portfolio to Savvly and selects a payout age of 85. This lets him retire today, since the lump-sum payout will have him covered later in life. Plus, with his Savvly payout, he would have over $6.7M left at age 85, so he can rest assured he can maintain his lifestyle and won’t expect to outlive his savings. With Savvly, Fred can put in his notice at work today and start planning his first adventure!
- * Assuming $180,000 per annum portfolio withdrawal3. Assumes net accumulation of $61K per year until retirement, retirement portfolio real growth of 4% per annum, and S&P 500 real growth of 7.5% per annum
- ** Assumes net accumulation of $61K per year until retirement, retirement portfolio real growth of 4% per annum, and S&P 500 real growth of 7.5% per annum
Wants to spend more now
Savvly helped Victor enhance his lifestyle now
Victor has built up wealth of $20M over his career and is ready to retire at 65 years old. He has a couple of wishlist items that add up to $5M. He wants to make these purchases, but knows he needs to protect his estate, too.
Victor’s adviser showed him that a small $500K investment in Savvly with a payout age of 90 can make this happen. By serving as a counterbalance to longevity and taking advantage of the fact that HNW individuals live longer, Victor could still make all of the purchases and investments he desires, sacrifice nothing, and still leave $12.6M to his children!*
- * Assumes SPX real growth rate of 6%, below the standard 7.5% used in other case studies
Wants to protect her estate
Savvly helped Dana leave her daughters a fortune
Dana recently sold her business for $10M, leaving her enough to retire comfortably. However, she wants to make sure she leaves as much as possible to her two daughters, while optimizing her tax efficiency.
Dana puts $300K into the Savvly longevity pool and selects a payout age of 90. Her Savvly investment would have grown to ~$3.8M in 35 years, but with her Savvly bonus, it ended up being $10.8M!* Plus, Dana had more than enough in other assets to hold those shares with unrealized gains until she passed away at 96. Those shares (now worth over $16.6M and still untaxed) were left to her children, at which point the tax basis stepped up from $300K to $16.6M.
- * Assumes S&P 500 real growth of 7.5% per annum
How Savvly Can Help You
Legacy Protection
Help ensure you reach your estate plan objectives and leave a lasting financial legacy for those who matter most
Efficient Wealth Transfer
Savvly leverages pass-through in-kind returns so you can leave more money behind to family or charity
Tax Efficiency
Significant tax benefits help you keep more, including the option to donate to charity with a tax-write off for appreciated assets
Risk Management
Diversification across time helps you focus on higher yield products in the short-term
FAQs
Find the answers to some of our most frequently asked questions
Savvly Questions
Is Savvly insurance?
No. Savvly is not an insurance policy or annuity. There is no insurance company taking profits from the investment pool. Instead, that money goes to other investors in the Savvly pool. Advisers also do not need to have an insurance license to sell Savvly.
Is it a traditional investment fund?
No. Client money is invested in a brand name fund that tracks a major stock market index. Savvly does not manage this fund. It is held by a third-party custodian.
What type of investment is Savvly?
Savvly is an alternative investment structured as a Limited Partnership.
So, Savvly is investing my client’s money?
No. Savvly is not a traditional investment fund. Instead, your client's money is invested in the top S&P 500 tracking fund, VOO, managed by Vanguard and held by interactive brokers. Savvly's role is to manage the mechanics of the new participants entering the pool and exiting the pool.
How is Savvly integrated with financial planning software?
Currently, you can use Savvly’s proprietary software at advisor.savvly.com/login. Advisers simply treat Savvly as a “windfall” in their financial planning software.
Why has nobody offered this before?
Savvly’s new model for longevity risk protection was inspired by a new wave of regulations, such as the 2019 Secure Act, which aimed to help Americans experience greater prosperity in retirement.
What happens if Savvly goes out of business?
In the unlikely case that Savvly goes out of business, all investors retain ownership of their investments via the limited partnership. Clients assets are never on Savvly balance sheet.
Investor Questions
Who can invest in Savvly?
You can currently offer Savvly to accredited investors and qualified purchasers. To qualify as accredited, an individual must earn more than $200K/year (or $300K/year with a spouse), have a net worth over $1 million, or be an investment professional (e.g., a licensed associated person of a broker-dealer or investment adviser). To qualify as a qualified purchaser, an individual must have a net worth of $5 million or more. The minimum investment is $10,000 for accredited investors and $100,000 for qualified purchasers.
Which accounts are eligible?
Your clients should use after-tax funding sources.
Is there an option for couples?
Couples can invest in Savvly independently as long as the total amount invested meets the minimum requirement.
How should my client select the amount of their initial investment?
We’re here to help you create the right structure for each client. We commonly start with a recommendation of a 5-10% portfolio allocation.The Savvly team is available to help you during this process. Email us at info@savvly.com or schedule a call on savvly.com.
How should my client select their desired payout age?
We provide four options for you and your client to choose from. We typically recommend a payout age of 80 or older. Some advisers select their client payout ages based on decumulation assumptions.
What does my client pay to invest in Savvly’s product?
After your client makes their initial investment for the determined amount, they can expect to pay your advisory fee and Savvly’s annual fee of 35-50 bps, paid quarterly.
Product Questions
Can I invest my client’s Savvly funds in any funds other than the pre-selected market-tracking ETF?
Currently, we invest all funds into Vanguard S&P 500 ETF (VOO). We will notify you when more options become available.
When and how is the payout received?
Your client will choose the payout age. It can be any age 70+ for men and 75+ for women, provided a minimum investment hold period of 5 years. On that date, your client will receive a one time payment in a single in-kind transfer of assets. This amount equals the return-adjusted value of the Vanguard index fund, plus your client’s share of contributions by participants who chose to withdraw early or passed away before payout. This transfer is executed under the Limited Partnership agreement.
Can my clients distribute their investments across several payout ages?
Yes, as long as the total amount invested meets the minimum requirement.
What if the client withdraws or passes away before the selected payout age?
Their original investment (75% + 1% for every year with Savvly, applied to the lesser of either the initial investment or current market value) is returned back to the investor or their estate. This applies unless it's within two years of the initial investment. See Early Withdrawal Penalty Clause.
How often do I, the adviser, get paid?
Savvly offers a flexible billing approach that matches your existing practices. Savvly pays management fees quarterly, and monthly options are available.
Does this require updating my ADV to specify selling a new product type?
If you’re licensed to sell private placement products, you can sell Savvly as well. Savvly is structured as a Limited Partnership.
No Early Withdrawal Penalty Clause
For the first two years, investors can withdraw from Savvly with no penalty. In this case, they will receive their initial investment, adjusted for the returns from the Vanguard ETF fund.
Savvly Questions
Is it a traditional investment fund?
No. Savvly is not an insurance policy or annuity. There is no insurance company taking profits from the investment pool. Instead, that money goes to other investors in the Savvly pool.
What type of investment is Savvly?
Savvly is an alternative investment structured as a Limited Partnership.
So, Savvly is investing my money?
No. Savvly is not a traditional investment fund. Instead, your money is invested in the top S&P 500 tracking fund VOO, managed by Vanguard and held by interactive brokers. Savvly's role is to manage the mechanics of the new participants entering the pool and exiting the pool.
Why has nobody offered this before?
Savvly’s new model for longevity risk protection was inspired by a new wave of regulations, such as the 2019 Secure Act, which aimed to help Americans experience greater prosperity in retirement.
What happens if Savvly goes out of business?
In the unlikely case that Savvly goes out of business, all investors retain ownership of their investments via the limited partnership. Clients assets are never on Savvly balance sheet.
Investing Questions
Who can invest in Savvly?
No. Client money is invested in a brand name fund that tracks a major stock market index. Savvly does not manage this fund. It is held bSavvly is currently available to accredited investors and qualified purchasers. To qualify as accredited, an individual must earn more than $200K/year (or $300K/year with spouse), have a net worth over $1 million, or be an investment professional (e.g., a licensed associated person of a broker-dealer or investment adviser). To qualify as a qualified purchaser, an individual must have a net worth of $5 million or more. The minimum investment is $10,000 for accredited investors and $100,000 for qualified purchasers.y a third-party custodian.
Which accounts are eligible?
Clients should use after-tax funding sources.
Is there an option for couples?
Couples can invest in Savvly independently as long as the total amount invested meets the minimum requirement.
How do I select the amount of my initial investment?
We start with a recommendation of a 5-10% portfolio allocation.The Savvly team is available to help you during this process. Email us at info@savvly.com or schedule a call on savvly.com.
Payout Questions
How should I select my desired payout age?
We recommend a standard multiple payout option that should fit most client needs, but clients and their advisers can customize them. We typically recommend a payout age of 75 or older.
Can I invest my Savvly funds in any funds other than the pre-selected market-tracking ETF?
Currently, we invest all funds into Vanguard S&P 500 ETF (VOO). We will notify you when more options become available.
When and how is the payout received?
You and your adviser will choose your own payout age or use our recommended multiple payout age option. The payout age can be any age 70+ for men and 75+ for women, provided a minimum investment hold period of 5 years. On that date, you will receive a one time payment in a single in-kind transfer of assets. This amount equals the return-adjusted value of the Vanguard index fund, plus your share of the Savvly longevity pool. This transfer is executed under the Limited Partnership agreement.
Can I distribute investments across several payout ages?
Yes, as long as the total amount invested meets the minimum requirement.
What if I withdraw or pass away before the selected payout age?
In this case, your original investment (75% + 1% for every year with Savvly, applied to the lesser of either the initial investment or current market value) is returned back to you or your estate. This applies unless it's within two years of the initial investment. See Early Withdrawal Penalty Clause.
Is There an Early Withdrawal Penalty Clause?
For the first two years, clients can withdraw from Savvly with no penalty. In this case, they will receive their initial investment, adjusted for the returns from the Vanguard ETF fund.
Learn more
Talk to our CEO
Connect with Dario and learn more. Feel free to grab some time on his Calendly link here.
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WATCH THE OVERVIEW
Sean can walk you through Savvly in this quick introductory video.
