Income Strategies Archives - Retirement Income Journal

The ‘Retirement Income Consortium’ is Born

By Kerry Pechter Thu, May 5, 2022

Eight financial giants formed the Retirement Income Consortium to promote income solutions in 401(k) plans and 'develop a vetted due diligence framework' for 'selection and monitoring' of those solutions.

Published May 5, 2022

Finke report touts benefits of ‘contingent deferred annuities’

By Editorial Staff Fri, Apr 29, 2022

A CDA 'unbundles' the two main parts of a variable annuity with a living benefit: the investments and the income guarantee. It gives advisors more investment flexibility than VA...

Published April 28, 2022

Re-Think the Safe Retirement Spending Rate: Morningstar

By Christine Benz Thu, Nov 11, 2021

The safe withdrawal rate is now 3.3%, writes Morningstar Director of Personal Finance Christine Benz. But she adds that retirees could withdraw as much as 5% a year if...

Published November 11, 2021

Use of bond ETFs for retirement income expected to rise: Cerulli

By Editorial Staff Tue, Oct 5, 2021

A new Cerulli report also explores sales of annuities to fee-only advisors; '84% of independent registered investment advisors (RIAs) sold no annuities in the last 12 months… despite significant work in...

Published October 7, 2021

Learn to [Ted] ‘Lasso’ Women Clients

By Kerry Pechter Wed, Sep 22, 2021

David Macchia of Wealth2k and author Marcia Mantell are about to launch a new service, Women And Income, a turnkey marketing, income planning and lead generation service for advisers....

Published September 23, 2021

A New Path to Inflation-Resistant Income

By Kerry Pechter Thu, Sep 16, 2021

Achaean Financial's novel hybrid design for a lifetime income annuity is being brought to market by National Western Life. We spoke with Achaean founder Lorry Stensrud and NWL's Chad...

Published September 16, 2021

Wade Pfau’s Income Expert Success Tools

By Kerry Pechter Thu, Aug 19, 2021

Here's the "RISA" method for matching retirees with income-generation strategies, from Wade Pfau, Ph.D., of The American College and RetirementResearcher.com, and his colleague Alejandro Murguia, Ph.D. ("RISA" is Spanish...

Published August 19, 2021

Not Yet Legal in the US: CRITs

By Mark Shemtob Thu, May 20, 2021

Collective Retirement Income Trusts resemble variable income annuities, but without explicit guarantees. These group arrangements could help retirees turn part of their 401(k) or IRA savings into rising income...

Published May 20, 2021

A Quick Way to Estimate Portfolio Longevity

By Jim Otar Thu, May 6, 2021

Our guest columnist describes a simple tool that inputs historical market performance, a client’s account balances, her personal “sequence of returns” in the first five years of retirement, and...

Published May 6, 2021

What’s Cooking at ‘Income Lab’?

By Kerry Pechter Thu, Apr 8, 2021

At their software start-up, Income Lab, three former Jackson National Life executives want to help advisers help clients optimize retirement income. They enter a financial planning field dominated...

Published April 8, 2021

Hardwired COLA vs. Performance-Based COLA: What’s Best?

By Craig L. Israelsen, Ph.D. Tue, Mar 30, 2021

For retirees who don’t mind slight to moderate reductions in their annual income roughly one-third of the time, we recommend withdrawing a fixed percentage of their portfolio’s ending account...

Published April 1, 2021

Boola-Boola, Retirement Moolah

By Kerry Pechter Thu, Feb 4, 2021

Yale's $7 billion 403(b) plan offers TIAA's RetirePlus Pro target-date solution to its 27,000 active and retired participants. The portfolios use Vanguard and TIAA CREF funds, and a liquid...

Published February 4, 2021

Watch now: A ‘Deep Dive on Retirement Drawdown Strategies’

By Kerry Pechter Fri, Jan 22, 2021

This one-hour video of yesterday's webinar, sponsored by The American College, features retirement income specialists Joe Elsasser and James DiLellio. Some 1,800 advisers attended. Our story summarizes the webinar...

Published January 22, 2021

Unlocking the Code of Moshe Milevsky’s Latest Book

By George A. (Sandy) Mackenzie Thu, Jan 21, 2021

The retirement guru's technical new book shows software-savvy readers how to answer common questions in retirement income planning using his algorithms and "R" code.

Published January 22, 2021

Building a Bridge to Social Security

By Kerry Pechter Thu, Jan 7, 2021

Middle-class people who retire before age 70 should spend 401(k) assets first and delay taking Social Security, says a leading retirement income expert. In a new research paper, she...

Published January 7, 2021

Take ‘AIM’ at Retirement Income Goals

By Bruno Caron Tue, Dec 1, 2020

In this excerpt from his new book, 'Lifetime Income to Retire with Strength,' AM Best actuary Bruno Caron presents an example of his 'AIM' retirement income planning method. He...

Published December 3, 2020

The Five Most Important Retirement Income Decisions

By Steve Vernon Sat, Oct 10, 2020

'Many of the decisions presented here are beyond the skills of most pre-retirees and retirees,' writes the author, a research scholar at the Stanford Center on Longevity. 'They’re going...

Published October 15, 2020

Jim Otar’s Swan Song on Retirement Income

By Kerry Pechter Wed, Oct 7, 2020

The famed Canadian adviser-of-advisers and author, now retired, has released his latest and last book, 'Advanced Retirement Income Planning.' It's a concise version of his magnum opus, 'Unveiling the...

Published October 8, 2020

An Income-Generating ‘Collar’

By Kerry Pechter Thu, Aug 20, 2020

Using a 'protective net-credit collar,' the Nationwide Risk-Managed Income ETF has distributed monthly income at an annual rate of 7.88% in 2020, while appreciating 10%. Is there a catch?

Published August 20, 2020

Retirement Income Budgets: An Actuarial Approach

By Kerry Pechter Fri, Jul 24, 2020

How much annual or monthly income will your clients have in retirement? The American Academy of Actuaries offers three methods for estimating that amount.

Published July 24, 2020

Data Connection

Lists*