Social Security Maximizer
The Social Security Maximizer is an integral tool for a retirement planner's comprehensive financial planning calculations.
View ArticleWade Pfau's Latest Book
'“This book presents the probability-based approach” to retirement spending strategies, Pfau told RIJ in a recent interview. 'If annuities are off the table, here’s what you can do.'
View ArticleThe Ambiguity of Tax Deferral
A failure to agree on whether or not there's 'government money' in tax-deferred savings accounts has complicated our debates over the DOL fiduciary rule, the need for a harmonized fiduciary standard,...
View ArticleResearch Roundup
We summarize five papers: “The Sustainability of U.S. Household Finances," “The Great Debt Boom: 1949-2013,” “Living Below the Line: Economic Insecurity and Older Americans in the States, 2016,”...
View ArticleWhere Defined Contribution Falls Short
The defined contribution system, despite its standardized designs, regulations and contribution limits, reproduces (and may amplify) the economic disparities in the workforce it covers (or fails to...
View ArticleBitcoin is a Bubble. Blockchain is a Breakthrough
'Bitcoins are only useful to speculators, but the blockchain technology on which it is based will both enhance cyber-security and make the current payment mechanism far more efficient,' writes our...
View ArticleIntegrity Life enhances Indextra FIAs
Sales of the Indextra series exceeded $1.5 billion as of November 30, 2017, according to the release. Launched Sept. 29, 2014, Indextra had strongest first-year sales in W&S Financial Group...
View ArticleOver one-third of U.S. households own IRAs: ICI
Among the 9.1 million households that took withdrawals from IRAs for tax year 2016, 71% used the RMD rule to calculate them. About two-thirds asked a financial adviser to calculate their withdrawal,...
View ArticleResearchers weigh impact of various Social Security solvency cures
A two-year increase in the age for receiving full Social Security benefits (to age 69) would reduce annual consumption in retirement by 5.6% for low-income, 4% for middle-income, and 2.2% for...
View ArticleCannex Launches Annuity Comparison Tools
Advisors, brokerages, IMOs and insurers will be able to use the Toronto-based data company's new analytics to make apples-to-apples comparisons of variable and fixed indexed annuity contracts and...
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 ArticleThe Ambiguity of Tax Deferral
A failure to agree on whether or not there's 'government money' in tax-deferred savings accounts has complicated our debates over the DOL fiduciary rule, the need for a harmonized fiduciary standard,...
View ArticleResearch Roundup
We summarize five papers: “The Sustainability of U.S. Household Finances," “The Great Debt Boom: 1949-2013,” “Living Below the Line: Economic Insecurity and Older Americans in the States, 2016,”...
View ArticleCannex Launches Annuity Comparison Tools
Advisors, brokerages, IMOs and insurers will be able to use the Toronto-based data company's new analytics to make apples-to-apples comparisons of variable and fixed indexed annuity contracts and...
View ArticleThe Crypto-Capitalist and His Digital Tontine
“This [retirement financing] problem needs to be solved,” Dean McClelland, founder of TontineTrust, told RIJ. With the fervor of a convert, he believes that cryptocurrencies, blockchain, smart...
View ArticleSurveying the Damage of Low Interest Rates
'Insurers seem to be doing fine, but that is because they have been cutting benefits to the point that their customers will soon wonder why they bothered to take out policies in the first place,'...
View ArticleSales of fee-based VAs and FIAs on rise in US: Cerulli
Much of the surge in FIA sales is a result of an inadequate supply of attractive VA guarantees. 'Advisors are looking at new retirement income solutions,' said Cerulli director Donnie Ethier.
View ArticleVA sales drop in 3Q2017 despite equities rally
Ameriprise Financial and Allianz, ranked eighth and ninth in quarterly sales, saw sales increases in 3Q2017. Thanks largely to its Index Advantage structured variable annuity, Allianz enjoyed a 26%...
View ArticleHome equity and purchases of long-term care services
Spikes in house prices significantly increased homeowners' use of both paid home health care and unpaid informal care but did not increase the use of nursing home care, the researchers found.
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