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...
‘SIMON’ Makes Indexed Annuities Simpler
Originally a platform for distributing structured notes to broker-dealers, SIMON is adding index-linked annuities to its product suite. Prudential is both an investor and, as of today, a product...
Annuities and the Charles Schwab Deal
Most of the annuities now on the Charles Schwab and TD Ameritrade platforms are offered by mutual or foreign-owned life insurers. Lincoln Financial is the sole exception.
Longevity Insurance with an Inter-Generational Twist
In MassMutual's new all-digital deferred income annuity, an adult child is the owner, and receives income when a parent (the annuitant) reaches age 91.
‘Top of Mind’ Wealth Management Platforms
Fidelity, Charles Schwab and Vanguard were the three firms most often named by investors without hints, according to Cerulli Associates. (Forty years of brand-building never hurts.)
Marshmallows and Social Security
Should US retirees delay claiming Social Security until age 70, even if they have to spend savings until then? The Center for Retirement Research at Boston College proposes that...
