A Look Back at (and Beyond) the ‘Stretch’ IRA
Under the new SECURE Act, most non-spouses must withdraw and pay taxes on inherited IRA assets within ten years instead of "stretching" the process over (possibly) decades. What will...
Income Strategies
Schwab adds hybrid robo income distribution service
Schwab Intelligent Portfolios has a $5,000 minimum and charges no advisory fee. Schwab Intelligent Portfolios Premium has a $25,000 minimum and charges an initial one-time $300 fee for planning and...
What rollover IRA owners are thinking
59% of US households with traditional IRAs in mid-2019, or 21 million US households, had accounts that included rollover assets from employer-sponsored retirement plans, according to a recent survey by...
A Few of Our Best Income Strategies
For today’s issue of RIJ, we’ve retrieved several of our best income-planning articles from our archives. In each case, the adviser goes beyond the “safe withdrawal” method to design...
‘Safety First’ Income Plans, Per Wade Pfau
Pfau's new book shows the benefits of replacing bonds with annuities for less risk and more income in retirement.
Making Income Rise as Health Declines
A fee-only adviser in Philadelphia used 'medically underwritten' or impaired annuities from Mutual of Omaha to increase the retirement incomes of older, single men in declining health.
Life Insurance in a Bucketed Income Plan
This case study from Securities America uses life insurance to help a 'constrained' mass-affluent retired couple protect the surviving spouse from a partial loss of pension and Social Security...
At the RIA Dance, Annuities Look for Partners
Nationwide Advisory Services and Great American announced moves this week aimed at making their fee-based annuities attractive and accessible to Registered Investment Advisors.
Taxes in Retirement: Front-Load or Back-Load?
Here are two ways a retired couple with a $1 million IRA might manage taxes: By either minimizing or maximizing them in the first 10 years of retirement. Zach...
Of ‘Thrillers, Spillers, and Fillers,’ Plus the Mueller Hearings
Like every decorative pot of plants, every retirement income plan needs a 'thriller, a spiller and a filler.' We also deconstruct this week's Mueller hearings.
Blueprint Income, a fintech firm, will sell Pacific Life deferred income annuity online
The deferred income annuity is called 'Next.' The two companies envision Generation X-ers using the Blueprint Income platform to buy a personal retirement pension, one installment payment at a...
A Chronicle of ‘NARIA,’ Nationwide’s Income-Generating VA for RIAs
The 'Nationwide Advisory Retirement Income Annuity' has no commission or surrender schedule and offers RIA clients a choice of 130 investment options. The income rider costs 80 basis points...
Risks That Can Ruin a Retirement
In the first of a two-article series, the retirement expert, author and editor enumerates and describes the many risks that retirees face. (Spoiler alert: Mortality is not one of...
Jackson and RetireUp partner on annuity illustration tool for advisors
RetireUp’s algorithms were chosen to power Jackson National’s wizard after RetireUp participated in a Jackson “Hothouse competition,” a “creative problem-solving methodology” that encourages teamwork, innovation and agility.
Two Client-Centric Income Strategies
We compare two easy-as-pie annuity strategies: Income starting at age 80 versus guaranteed income for the first 10 years of retirement. One hedges longevity risk, the other hedges sequence...
Survey shows how advisors generate income for clients
A survey by bond dealer Incapital LLC showed that 51% of financial advisors generate income for clients from dividend-paying stocks, 43% from equity income mutual funds, and 43% from...
Steve Vernon’s Guide to Retirement Success
Steve Vernon's latest book on retirement, "Retirement Game-Changers," teaches anyone how to win not just the game of retirement income, but the game of life-after-55. Vernon (pictured) is...
Greetings from the First ‘Retirement Management Forum’
Some 200 members of the Investments & Wealth Institute (IWI) came to Amelia Island, Florida, this week to learn about the principles underlying the Retirement Management Advisor designation, which...
A Retirement Income Plan from United Income
One of the smallest of the robo-advisors (United Income) has some of the biggest backers (Morningstar's chairman and eBay's founder) and a veteran (HelloWallet) CEO. RIJ asked United Income...
The Bucket Brigade
Time-segmentation stands at the intersection of insurance and investments, of modern portfolio theory and asset/liability matching, and of behavioral finance and quantitative analysis.
