Income Strategies
In this latest income solution for "Andrew and Laura," a real couple near retirement, Bryan Anderson of AnnuityStraightTalk and Nathaniel Pulsifer of DCF Exchange combine a secondary market annuity,...
On the Case: TIPS Ladder + QLAC + HELOC = Income Security
Mike Lonier, of Lonier Financial Advisory, solved 'Andrew and Laura's' retirement income puzzle with a combination of products. A certified Retirement Management Analyst, he first builds a safe income...
On the Case: Jim Otar Answers Our Income Challenge
'I would not worry too much about complicated strategies,' Otar wrote after reviewing Andrew and Laura’s retirement finances. 'They probably don’t need guaranteed income (annuities), a bucket strategy or...
Symetra Offers Fee-Based Fixed Indexed Annuity
Distribution of the Symetra Advisory Edge and Advisory Income Edge products began in April through Merrill Lynch, Commonwealth and Raymond James.
On the Case: An Income Plan from ReLIAS
To solve for one couple’s retirement income needs, Mark Warshawsky of ReLIAS LLC proposed SPIAs and 7.5% annual withdrawals from an all-equity portfolio. RIJ will publish solutions from other...
This Couple Needs Your Advice
These two people, ages 64 and 63, have a combined net worth of about $2.5 million. They're looking for ways to generate income in retirement. Here are some specifics...
A target date fund for RMDs, from Fidelity
Investors in Simplicity RMD Funds can set up distributions through Fidelity’s automatic withdrawals service. Fidelity calculates and distributes the investor’s RMD each year.
Participants in Wells Fargo retirement plans can buy MetLife longevity insurance
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...
Hueler Income Solutions and NISA form alliance focused on retirement income for DC plans
'This collaboration allows us to enhance Hueler’s suite of services and delivery model for the benefit of our existing client base and to capitalize on new business opportunities to...
Mortality 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...
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...
Time for Retirement ‘SeLFIES’?
The Nobel Prize-winning economist and his colleague propose a new way to turn DC savings into retirement income. It involves 'Standard of Living Indexed, Forward-Starting, Income-Only Securities' (SeLFIES),...
Lincoln and BlackRock Launch No-Commission Variable Annuity
'Lincoln Core Income' offers 4% guaranteed lifetime income with a 2% COLA, plus a choice of three iShare exchange-traded funds and a death benefit for an all-in cost of...
Allianz Life issues no-commission fixed indexed annuity with income riders
Retirement Foundation ADV offers two income options. One starts with a higher age-dependent payout percentage that is fixed for the life of the contract. The other has a lower...
TIAA offers double-shot of income solutions for DC plans
Plan sponsors and/or their third-party consultants select the investment options and design the glide paths formulas for their TDFs and combine them with one of two income solutions on...
Rx for Retirement: A Low Dose of Equities
'For retirement investors attempting to minimize downside risk while sustaining future withdrawals, appropriate equity allocations range between five and 25%,' write Keith C. Brown (inset) and W. V. Harlow...
What To Tell Nervous (Older) Clients Now
During market turmoil, the messages from “retirement income” advisors to their clients should be substantially different in their content from the messages that investment advisors typically send to their...
The Annuity That Pays for Itself
The deferred income annuity, aka longevity insurance, is favored by academics and is mandatory in Germany and Singapore. Here's a compelling new way to explain its value to clients,...
The Essence of Goal-Based Investing
Goal-based investing is more than just mental accounting that assigns labels like “house,” “college” or “retirement” to different pots of money. It's ultimately about risk management, as we learned...
Advisors: Give this ‘Tilt’ a Whirl
Last month, we reported on John Walton's "tilt" method of fine-tuning systematic withdrawals in retirement. New research by the Texas hydrologist-turned-retirement income specialist combines tilting and income annuities. ...