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Products & Services

Maximize retirement business, minimize compliance exposure

At Convergent, we understand both the opportunities and challenges faced by retirement industry professionals and financial organizations. Our products and services, therefore, are laser-focused on helping you and your organization accomplish two fundamental business objectives:

Maximizing your firm's efficient and profitable acquisition, servicing and retention of retirement clients, and
Minimizing your firm's compliance exposure.

To meet the diverse needs of our client base, Convergent offers both turnkey solutions and tailored solutions to help you meet your firm’s compliance and business development objectives.

Turnkey Solutions

On-Demand Client Communication

Brochures Order Now

Help your clients make sense of the SECURE Act changes with accurate, easy-to-understand explanations of the Act’s key IRA provisions.

#501 IRA Owner’s Introduction to the SECURE Act of 2019

The IRA rule changes made by the SECURE Act that are effective January 1, 2020, will affect some IRA owners and beneficiaries more than others. This brochure provides an overview of the changes to help IRA owners determine the impact the changes will have for them and their beneficiaries.

#502 Expanded IRA Funding Options under the SECURE Act of 2019

The rules governing Traditional IRA contribution eligibility have been expanded for tax year 2020. This brochure outlines who can take advantage of the new funding options.

#503 Navigating the New RMD Rules under the SECURE Act of 2019

When RMDs are required to begin has been changed for some IRA owners. This brochure not only outlines the new rule, but also provides a straightforward explanation as to who the new rules apply to and who must continue to be compliant with the pre-SECURE Act rule.

#504 Penalty-Free IRA Distributions for Births/Adoptions under the SECURE Act of 2019

Penalty-free IRA distributions are now available to individuals following the birth and/or adoption of a child. This brochure outlines the eligibility requirements for a “Qualified Birth or Adoption Distribution” along with providing information on a repayment option which allows for those funds to be returned to an IRA in the future.

#505 IRA Beneficiary Rule Changes under the SECURE Act of 2019

The rules governing required distributions to IRA beneficiaries have changed significantly. This brochure provides an overview of the changes to help IRA owners determine the impact, if any, the changes will have on their retirement heirs, and ether meeting with an attorney or estate planning specialist may be warranted.

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Timely, cost-effective SECURE Act notifications to keep

Your IRA clients apprised of significant IRA changes that may impact them.

#510 SECURE Act Makes Immediate Changes to IRAs

Alert your IRA owners and IRA beneficiaries of the IRA rule changes made to IRAs effective January 1, 2020.

#511 Age Restriction for Traditional IRA Contributions Eliminated

Let your IRA owners know that beginning with tax year 2020 they can now make Traditional IRA contributions regardless of their age.

#512 RMD Starting Age Increased to Age 72

Misinformation will be rampant. Proactively communicate with your Traditional, SEP and SIMPLE IRA owners before they misstep and take unnecessary distributions or fail to take one that is required.

#513 Penalty-Free IRA Distributions for Birth or Adoptions of a Child

Be the first to inform your customers of this new rule! “Qualified Birth/Adoption Distributions” offer your customers tremendous financial flexibility as these distributions are penalty free and there is an option to repay the amount withdrawn to an IRA sometime in the future.

#514 IRA Beneficiary Distribution Rule Changes

While there are “new rules” for IRA beneficiary distributions that are effective January 1, 2020, the “old rules” are still in play too. It’s complex! Giving your customers a head-ups sooner rather than later will allow them to consult with a tax advisor and/or financial planning professional on any changes, if any, they may wish to make to their legacy planning.

SECURE Act Go-To Guide (coming soon)

IRA Changes under the SECURE Act of 2019

This Go-To Guide, web-linked for real-time updates, is an invaluable resource for IRA professionals. The guide contains the details and insights financial professionals will need to accurately answer the innumerable IRA questions that will arise following the enactment of the SECURE Act.

More than just a hard-copy guide, this Go-To Guide is linked to a password protected website specifically for Go-To Guide users. The linked website provides interactive educational lessons that correspond to the Go-To Guide content, as well as real-time updates on IRS guidance as it becomes available concerning the implementation of the SECURE Act changes affecting IRAs.

Web-Linked Resources (Available Only for Go-To Guide Users)

Interactive Lessons
Real-Time Industry Updates
Proactive E-mail Alerts (Optional)

Go-To Guide Table of Contents

Chapter 1: SECURE Act Overview
Chapter 2: Traditional IRA Funding, 70½ and Beyond
Chapter 3: Age 72 Required Minimum Distributions
Chapter 4: Qualified Birth or Adoption Distributions
Chapter 5: Accelerated Payouts for IRA Beneficiaries
Chapter 6: Miscellaneous Provisions
Chapter 7: Updated Internal Revenue Code Sections

Click HERE to place your order.

IRA and HSA Stuff

In today's challenging, fast-paced work environment, financial professionals are hungrier than ever for resources that are accessible, efficient, and dependable. Convergent's subscription-based, professional web portals contain a veritable cornucopia of best-in-class resources: constantly updated news, courseware, FAQs, compliance tools, source documents, just-in-time performance support resources and comprehensive reference materials—all at the click of a mouse. Click here to learn more about these comprehensive portals for everything IRA and HSA.

Web-Based Training & Technical Support

Stand-alone courses or full curriculum, hosted on your servers or ours
Web-based courses, testing and transcripts
Continuing education credits
Searchable online reference manuals
Searchable FAQ library with direct links to pertinent federal source material
Just-in-time Knowledge Nuggets videos

Documents & Forms

Plan establishment agreements for all IRA types as well as HSAs and Coverdell Education Savings Accounts
Disclosure statements for all IRA types as well as HSAs and Coverdell Education Savings Accounts
Comprehensive library of transactional documents
Ala carte or bundled options

Hotline Consulting

Direct phone access to Convergent's veteran subject matter experts (each with 20+ years direct industry experience)
Access for a limited number of supervisors/managers, or access for an entire call center or distribution network

On-Site Training

On-site training in the format you choose (seminar, workshop, roundtable, etc.), from basic to advanced
You pick the time, location and subject matter

Live Webinars

Open enrollment webcasts available for industry-wide participation
Individually schedule webcasts for your organization's chosen audience (employees, clients, distribution networks, etc.)

Training Materials

Copyright licensing for complete turnkey training programs
Turnkey training materials typically include PowerPoint™ presentation, scripted Instructor's Guide and corresponding participant Learning Journal
May be branded with your organization's logo, color scheme, etc.

Tailored Solutions

Strategic Consulting

Bring the Convergent team's expansive industry experience to bear on your initiative
Whether launching a new product, entering a new market, or simply taking an existing offering to the next level, Convergent's real-world expertise can help you turn concept into reality
If we don't have the expertise you need, chances are pretty good we know someone who does

Project Support

Have the vision, but lack the critical resources to bring the vision to reality?
We can help. That's what we do.

Surgical Outsourcing

Have the resources, but lack the bandwidth?
We can help. From short, one-week projects to long-term, ongoing arrangements

Business Development Training/Support

Tailored value-add programs for product providers
Customized online planning tools
Thought leadership consultation
Train-the-trainer programs for retirement wholesalers
Fully scripted advisor workshops
Hotline access to subject matter experts (25+ years average industry experience)

Compliance Audits

In-depth assessment of forms/documents, policies, procedures, and more
Realistic assessment of key compliance risks
Best-practice recommendations for risk remediation
Implementation and ongoing compliance monitoring support

Ongoing Retainers

You define the challenge, we suggest options
Flexible scope—day-to-day support to annual reviews

Train-the-Trainer

Our subject matter experts (SMEs), your trainers
From basic "brush up" to in-depth knowledge transfer
Full-spectrum support (scripting, visual aids, participant Learning Journals, proficiency testing, etc.)

Value-Add Programs

Stand out from the crowd with truly differentiated value-add offerings
From scripted, stand-alone presentations to comprehensive, fully-integrated campaigns

Whitepapers

Differentiation through thought leadership
Innovative, thought-provoking whitepapers on emerging industry challenges and opportunities

[Your Unique Need Here]

Looking for outside expertise, but not sure where to turn? Give us a call. Even if we can't help you directly, chances are we can put you in touch with someone who can.