Your Preference Matches

A Preference Match shows how closely a vehicle’s general characteristics line up with what you said you value. It is not a recommendation, a ranking of quality, or a suitability determination.

What does Preference Alignment mean?

Preference Alignment shows how closely a financial product’s general characteristics resemble the priorities you selected. A higher percentage means fewer differences between your desired characteristics and the product’s profile. A lower percentage means the product involves more trade-offs relative to your stated preferences.

A high score does not mean a product is better, safer, or recommended for you. Personal circumstances, goals, eligibility, time horizon, financial condition, and other factors may affect whether a financial product is appropriate.

The account is the container.

The investment is what’s inside the container. An IRA, Roth IRA, 401(k), or brokerage account does not create growth or market risk on its own — the assets held inside do.

93%

Preference Alignment: 93%

Indexed Universal Life Insurance

Insurance

This score measures how closely this product’s general characteristics align with the financial priorities you selected. It is not a recommendation or suitability score.

Account (container): Insurance policy (contract)

Permanent coverage with flexible premiums and cash value credited using an index-linked formula. The policy does not invest directly in a stock market index.

Strongest Alignment

Growth Potential
Tax Advantages
Guarantees

Trade-Offs

Caps, participation rates, and spreads limit credited amounts
Policy charges reduce cash value
Complexity and illustration sensitivity

P · ProtectionG · Growth

91%

Preference Alignment: 91%

Fixed Indexed Annuity

Income / Insurance Products

This score measures how closely this product’s general characteristics align with the financial priorities you selected. It is not a recommendation or suitability score.

Account (container): Insurance contract

An insurance contract crediting interest using an index-linked formula, typically with a floor and a cap or participation rate.

Strongest Alignment

Growth Potential
Tax Advantages
Guarantees

Trade-Offs

Caps and participation rates limit credited interest
Rider and contract fees
Surrender charges

I · IncomeR · RetirementP · Protection

89%

Preference Alignment: 89%

Fixed Annuity

Income / Insurance Products

This score measures how closely this product’s general characteristics align with the financial priorities you selected. It is not a recommendation or suitability score.

Account (container): Insurance contract

An insurance contract crediting a stated interest rate, with optional conversion to a stream of income payments.

Strongest Alignment

Low Cost
Tax Advantages
Income Certainty

Trade-Offs

Surrender charges during the surrender period
Limited growth potential
Access restrictions

I · IncomeR · RetirementS · Savings

88%

Preference Alignment: 88%

Whole Life Insurance

Insurance

This score measures how closely this product’s general characteristics align with the financial priorities you selected. It is not a recommendation or suitability score.

Account (container): Insurance policy (contract)

Permanent coverage with contractual guarantees and a guaranteed cash-value element, subject to policy terms.

Strongest Alignment

Tax Advantages
Downside Protection
Guarantees

Trade-Offs

Higher cost per dollar of death benefit
Limited growth potential
Early-year cash value is typically low

P · ProtectionS · Savings

87%

Preference Alignment: 87%

Traditional IRA

Retirement / Tax-Advantaged Accounts

This score measures how closely this product’s general characteristics align with the financial priorities you selected. It is not a recommendation or suitability score.

Account (container): Individual retirement account (the container)

Investment (inside): Investor-selected — the account itself does not determine performance

A tax-advantaged retirement container. Its performance depends entirely on the investments selected inside it.

Strongest Alignment

Growth Potential
Downside Protection
Low Cost

Trade-Offs

Retirement account rules
Contribution limits
Withdrawals generally taxable, possible early-withdrawal penalties

R · RetirementG · Growth

Add Your Financial Context Compare Trade-Offs

This tool is designed for financial education. Preference matches demonstrate how stated priorities compare with general financial-product characteristics. They are not individualized investment, tax, legal, or insurance recommendations.