Equitable Holdings, Inc. is a leading American financial services holding company that operates a diversified business model spanning retirement, asset management, and wealth management. The company's operations are structured around three primary segments: Retirement, Asset Management, and Wealth Management. The Retirement segment, which generates a significant portion of the company's revenue, offers tax-deferred variable annuity products, registered index-linked annuities (RILAs), and retirement plans for individuals, small businesses, and educational institutions. The Asset Management segment operates primarily through its majority interest in AllianceBernstein (AB), providing global research and diversified investment services to institutional, high-net-worth, and retail investors. The Wealth Management segment, operating under Equitable Advisors, supports a nationwide network of financial professionals offering holistic life planning, advisory accounts, and protection solutions, including life insurance. Geographically, Equitable Holdings operates primarily in the United States, while its asset management arm, AllianceBernstein, has a global footprint. The company's competitive position is strengthened by its integrated approach, which allows it to generate revenue from both fee-based investment services and spread-based insurance products, providing stability across various market cycles.
