Letter to the Editor
Curtis Cloke, an Iowa-based financial advisor and deferred income annuity specialist, responds to last week's lead story, "Channel Surfing for Low-Cost SPIAs."
Fees vs. commissions: a rebuttal
After Iowa advisor Curtis Cloke wrote to RIJ about our article, “Singing from the Fee-Only Song Book” (November 17, 2010), advisor Glenn Daily commented on Cloke’s letter. Cloke sent...
Fees vs. Commissions in SPIA Sales
When a client incorporates an immediate annuity into a custom financial plan, we shouldn’t ask what revenue method is best for the advisor; we should ask what method is...
‘Annuitize Part and Invest the Difference’
Using Period Certain, Life or Joint Life with Period Certain, or Installment Refund payouts, retirees can often create income solutions that require less investment than required by GLWBs to...
