DCF Income Payments, in a nutshell, offer the highest fixed income, period certain income available anywhere.

DCF Income Payments are discounted receivables. They are nothing more than fixed payments tomorrow, available at a discount today.

These are not what you normally associate with annuities. Most annuities are complicated contracts with riders, contractual terms, guaranteed rates, variable indexes, and a host of other complex terms.

DCF Income Payments are, by comparison, a really simple transaction.

Let’s look at an example case

$1000 per month for 20 years costs $173,486 today.

That’s all there is to it.  It’s a definite, fixed payment stream with definite dates of payment.  To calculate the purchase price, we apply a discount rate to those payments, and the result is the purchase price today.

The real value comes however when you compare this to period certain annuities, like a 20-year SPIA.

If your client is looking for $1000 per month, they will find that the exact same 20-year guaranteed income stream would cost $193,930 based on today’s rates if they bought a SPIA.

But we can save your clients over 10.54% for the exact same income, and often from a higher quality credit carrier… (See the detailed illustration here)

This is not too good to be true, and it may not last forever, but it is here now.  And it’s up to you to set your clients up with this opportunity right now!

Now, these payments are not for everyone.  If your client is specifically looking for lifetime income, they must pay some premium for the insurance carrier to pick up their longevity risk. DCF Income Payments will not pay for a lifetime. They are period certain payments only….

But for many people, the idea of forfeiting their hard-earned money to an insurance company if they ‘die early’ is just out of the question.

For those people, DCF Income Payments (also known as secondary market annuities) are perfect. No one takes your money away from you. These are secured, fixed payments, and pay to you, or your heirs, or your children, or whoever you specify.

With DCF Income Payments, there’s a lot of possibilities!

dcf income payments

I hope your mind is spinning with the possibilities… Just think of the wealthy clients you have who might want to leave an inheritance to their grandchildren…

Think of the institutions you have who need a stable yield for their portfolio…

Think way outside the box, of your homeowners’ association who needs to replace a roof in 25 years and needs a return on investment for that capital replacement in the future…

Think of the young doctor who is risk averse, who just wants a solid yield on his savings in his IRA with no management fees…

We just gave you a teaser of our case studies that will come in another post.  We have sold DCF Income Payments to all of these kinds of buyers, and many more.

In the next few posts, we will give you many more ideas and examples, so stay tuned.

Give us a call with any questions, client scenarios, or ideas and we will get you pointed in the right direction.

What our customers say about DCF Exchange

“I have worked with DCF a little over 2…”

I have worked with DCF a little over 2 years and have found Nathaniel and Ross the most knowledgeable owners I’ve worked with. In addition, their products are exceptional as I have sold them in IRAs, personal retirement, for Grandchildren, for college expenses and replacements for low yielding CD’s. I will continue to offer them to all clients that need a guaranteed Fixed Rate from Major Insurance Carriers.


“Most definitely now is A Generational Opportunity….

Most definitely now is “A Generational Opportunity in Bonds (And Fixed Income!)” which is why I am doing what I’m doing – 6+% with COLA, wow!

“FLEXIBLE Design Capability & HELPFUL Consults”

I’ve had many conversations with one of the firm’s Principals, Nathaniel Pulsifer , and he is extremely knowledgeable in every aspect of this asset class, and is always willing to customize his inventory to fit my clients’ needs, when possible. ALSO, the DCF illustration system is very easy to use for client presentation and to do what-if scenario modeling!

“Purchasing payment streams from DCF”

I have purchased a few payment streams and am in the process of purchasing another one today. Nathaniel and his staff are great to work with. The transactions have been easy to finalize and the monthly payments have all been received on time, as expected. I have purchased payment streams from 3 other companies and, working with DCF is, by far, the best experience. Nathaniel and his staff really care about providing good customer service. They are responsive and work to earn your business. I have been very happy with my experience with DCF Exchange.

“DCF bought my payment streams….

DCF bought my payment streams- They were quick, Nathaniel was very responsive and easy to work with, and got it done in just a few days.

“Fast, easy process for sale of SMA’s”

Fast, easy process for sale of SMA’s. ACH and wire of money, and the GoldStar relationship make this a very easy process. The DocuSign system used makes it easy to work with clients since there is no in person meeting required. Although we do like to meet in person with clients… will use DCF Exchange for all SMA sales!!!!! A ++++++++

“I have worked with Nathaniel at DCF for…”

I have worked with Nathaniel at DCF for years. Everything is always professional and seamless. A pleasure to work with.

“This is the second transaction I did…”

This is the second transaction I did with Nathaniel Pulsifer at DCF and both went very smoothly. Clients are very happy. I try to incorporate these types of secondary annuities when appropriate. I would highly recommend Nathaniel Pulsifer and DCF to anyone who wants to incorporate these in a clients financial plan.

“These guys are the absolute best”

These guys are the absolute best! I’ve been working with Nathaniel and Ross for many years now, and there’s nobody better in the business. Their knowledge of the industry is unsurpassed, and most importantly they are HONEST and TRUSTWORTHY. I look forward to working with DCF Exchange for many years to come.

“I had an amazing experience with DCF

I had an amazing experience with DCF! Nathaniel and his team are extremely dialed into these specialty products and I definitely would work with him again! Thanks!

“Extremely knowledgable and ethical”

Extremely knowledgeable and ethical. A pleasure to do business with.

“How fast was that”

How fast was that? VERY!
I was most pleasantly surprised how quick and efficient my payment was processed. Very safe, efficient and accurate.

“Thank you for putting your platform…”

Thank you for putting your platform together. Very nice work, easy for everyone to complete transactions. Almost as easy as writing annuities was 20 years ago –you probably weren’t around when the entire annuity application was 1 sheet of paper, front and back. You could send in that one piece of paper with a check and the deal was done!

“DCF performed far above and beyond my……”

DCF performed far above and beyond my expectations from beginning through the end closing process and beyond. When there seemed to be an issue with the trustee, DCF stepped in and cleared up all misunderstandings and insured everything was correct. I should note that the misunderstandings were really on my part and, once I was finally clear, I now fully understand and agree. Thank you DCF.

“DCF has the investments in inventory ready for me…”

DCF has the investments in inventory ready for me to place with my clients…. instead of many “wait & see” situations offered by other firms. Additionally, Nathaniel has on several occasions “carved-out” just the right size investment amount to fit one of my client’s needs out of a larger case in inventory, or combined parts of several cases to create a combination that fits my clients’ needs perfectly!