Research Roundup
These five research papers explain why many institutional investors still work with 'high-touch' brokers, why the economy may slow as populations shrink, why parents might save more than they...
Roth 401(k)s: Appealing but Impractical
Tax-deferred retirement accounts help the financial industry but cost taxpayers an added $20.7 billion a year, according to two economists. Would an all-Roth world be more socially beneficial?
A New Kind of Old Folks’ Home
For retirees who want a bundled (but not too restrictive) solution to their future housing and medical needs, a Type-C Continuing Care Retirement Community is an option. RIJ looked...
Industry-led ‘Retirement Income Institute’ to Launch
The Retirement Income Institute, which will fund new research and and white papers on 'protective lifetime income,' is the latest annuity education project from the financial industry-led Alliance for...
Honorable Mention
Alight Financial Advisors hires Edelman Financial Engines; Fidelity offers ‘real-time fractional shares trading’; MetLife assumes $1.9 billion in Lockheed Martin pension liabilities; MassMutual and Millenium Trust introduce 401(k) ‘sidecars’;...
Tetris, Taxes and Retirement
The tradition of withdrawing taxable, tax-deferred and finally tax-free assets in retirement may be obsolete. Matching retirees' tax brackets with the right account types may be better. It's like...
Outlook brightens in Asia for private annuity sales: Cerulli
'The importance of annuities is expected to increase significantly, as many markets continue to encourage personal retirement savings,' said Ye Kangting, a Cerulli research analyst.
Equitable completes spin-off from AXA
Equitable Holdings started toward independence in May 2018 with an initial public offering on the New York Stock Exchange. In March 2019, AXA S.A. completed a secondary public offering...
RIJ Interview: Will Fuller of Lincoln Financial
In the third in our series of interviews with annuity industry leaders, we talk with Lincoln Financial Group executive VP Will Fuller. He was recently honored as an 'Industry...
Sizing Up Lincoln Financial
Over the past 40 years, events and trends have helped determine Lincoln Financial Group's size today, which is smaller than its rivals in the individual annuity market. Former Lincoln...
Applying Actuarial Science to Income Planning
Adviser Mark Shemtob uses actuarial science to analyze and compare retirement income strategies that employ both annuities and investments.
Extreme Longevity? He Lives It
Nearing age 100, social scientist Jacob S. Siegel is still vigorously lecturing and writing. He spoke about the 'demography of retirement' at the triennial 'Living to 100 Symposium' in...
Seeking ‘Ambidextrous Advisers’
In the future, we intend to strengthen our content for financial advisers while still serving our long-standing audience of annuity professionals. We think all of our readers will benefit...
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...
Retirement Income Journal takes a holiday
The next issue of Retirement Income Journal will appear on January 9, 2020, after the Christmas and New Year holidays. Best wishes to all our subscribers and advertisers! You've...
An HNW Adviser’s Personal Income Plan
Besides deferred income annuities, Alex Powers of Bergen County, NJ, holds a sprinkling of real estate investment trusts (REITs), along with long-duration bonds, junk bonds, closed-end funds, gold, and...
The SECURE Act Set To Pass (Finally)
'This is an early Christmas present,' said Melissa Kahn, managing director of the Defined Contribution team at State Street Global Advisors (SSgA), in an interview yesterday.
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...
In Defense of ‘Buffered’ Annuities
A Wall Street Journal's article last weekend ('An Imperfect Solution to a Calamity') could have put structured variable annuities (aka registered index-linked annuities) in a much more positive light.
Prudential Joins the SIMON Platform
Prudential's PruSecure fixed indexed annuity is the first annuity product to be offered on the SIMON structured products platform, which had previously specialized in structured notes. Prudential also invested...
