3 important things to remember for managing client assets: 1. Location. 2. Location. 3. Location. WHAT IS ASSET LOCATION? The practice of holding tax-efficient asset classes in a taxable account and tax-inefficient asset classes in a tax-deferred account. This easy-to-employ strategy increases the benefits of tax deferral. Now there’s a variable annuity ideally suited for asset location. With no M&E and a fl at-insurance fee of just $20-a-month1, Monument Advisor allows assets to reap the benefits of tax deferral. And with 175+ underlying investment options and no surrender period2, it’s no wonder we’ve had over $500M in sales. 1 Jefferson National’s Monument Advisor has a $20 monthly flat insurance fee with no transaction fees on more than 97% of underlying funds. Additional fees ranging from $19.99-$49.99 will be assessed for investors wishing to purchase shares of ultra low-cost funds. See the prospectus for details. Like other variable annuities, the customer pays fees of the underlying funds selected plus the fees of any advisor hired. The base contract does not provide an enhanced death benefit. An optional enhanced JNL2009G028 03/09