This Is How You Sell Annuities
'This works really well with couples, where the husband is a risk taker but the wife is worried that she’ll be left without any money,' said Curtis Cloke about Retirement NextGen, a new software tool...
View ArticleIn Target-Date Space, It’s Vanguard, Et Alia
Vanguard’s domination of TDF flows in recent years has paralleled its domination of overall mutual funds flows. Competitors search for ways to be different, but not too different.
View ArticleMortality Credits: Sweet and Sour
'The only way to get closer to meeting your spending goals is through some sort of partial annuitization strategy,' said Michael Finke, dean of The American College of Financial Services, at the...
View ArticleReal and Fake News on State Auto-IRAs
Opponents of state-mandated auto-IRAs say the plans will unintentionally rob small business employees of the opportunity eventually to participate in 401(k)s. But that's really a phantom opportunity...
View ArticleWhere U.S. Manufacturing Jobs Really Went
During the supposedly stable post‐war period, manufacturing (and construction) jobs actually moved en masse from the Northeast and Midwest to the Sun Belt, writes our guest columnist, an economist at...
View ArticleIf retirement were college, most older Americans would flunk out
Only 45% of affluent Americans ages 60 to 75 recognize that a life annuity can protect against life expectancy risk, according to a recent survey by The American College.
View ArticleHow to decumulate without getting fleeced by the tax man
Investors are often advised to exhaust one retirement account at a time, starting with tax-deferred accounts and moving to tax-exempt accounts. That's not a good strategy, according to decumulation...
View ArticleFidelity and Stanford study sources of well-being and stress
64% of people reported feeling less happy and 30% felt worse about their finances during a corporate reorganization, according to the study.
View ArticleHonorable Mention
Brief or late-breaking items from Jackson National, Wealth2k, LIMRA, Northwestern Mutual, Transamerica, XYPlanning Network and FMeX.
View ArticleFinancial / Retirement Planning Software Directory
See the detail on financial planning software including vendors, scopes, costs, and contacts.
View ArticleSocial Security Maximizer
The Social Security Maximizer is an integral tool for a retirement planner's comprehensive financial planning calculations.
View ArticleThis Is How You Sell Annuities
'This works really well with couples, where the husband is a risk taker but the wife is worried that she’ll be left without any money,' said Curtis Cloke about Retirement NextGen, a new software tool...
View ArticleIn Target-Date Space, It’s Vanguard, Et Alia
Vanguard’s domination of TDF flows in recent years has paralleled its domination of overall mutual funds flows. Competitors search for ways to be different, but not too different.
View ArticleMortality Credits: Sweet and Sour
'The only way to get closer to meeting your spending goals is through some sort of partial annuitization strategy,' said Michael Finke, dean of The American College of Financial Services, at the...
View ArticleHow Boomer decumulation will impact investment returns
'The demographic transition and decline in investment returns is likely to put upward pressure on asset prices until an new equilibrium is reached—an equilibrium with lower investment returns,' writes...
View ArticleHonorable Mention
Brief or late-breaking items from the CFP Board, iRelaunch, Vanguard, State Street Global Advisors, Prudential Financial, Fidelity and Envestnet.
View ArticleTrump’s Tax Reform Dilemma
Tax reform will require more than the mere elimination of waste, fraud and abuse in government, warns our guest columnist, a former Treasury official. Popular subsidies, like the tax deferral for...
View ArticleNew Ladenburg Thalmann unit will help vet indexed annuity sales
The parent of Securities America and other distribution firms has launched a new unit to support fixed annuity sales that are in the clients' best interests.
View ArticleParticipants in Wells Fargo retirement plans can buy MetLife longevity...
Wells Fargo's plan sponsors will be able to offer their participants the option to earmark a portion of their 401(k) savings for a MetLife qualified longevity annuity contract as they approach...
View ArticleOvercoming Hurdles in the Variable Annuity Race
Prudential and AXA have remained among the perennial leaders of the variable annuity space by patiently tweaking existing products and exploiting niche opportunities.
View Article