Research Roundup
Recent research offers new insights into financial decision-making, the decision to work after retirement, and reveals surprising links between aging and interest rates, the rise of the service economy,...
The Pfau Phenomenon
In a decade's worth of presentations, books and research papers, Pfau has arguably pierced the resistance of independent advisers to the floor-and-upside retirement income method (and to annuities) to...
‘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.
Federal judge dismisses adviser suit against ONL
The judge rejected the claim that Ohio National Life was obligated by its distribution contract with LPL to keep paying trail commissions on the sale of variable annuities to...
A More Impeachable Offense
The president’s efforts to pressure the Fed chairman into lowering interest rates to boost the stock market may be more abusive than his call to the president of Ukraine....
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...
A VA Rider Designed for Inheritances
Wealth Pass, a new Lincoln Financial variable annuity rider, makes it easy for IRA or VA beneficiaries to spread inheritances over their life expectancies.
Investors Flocked to Money Funds in August
August also saw the value of passive U.S. equity funds surpass the value of U.S. actively managed equity funds by about $25 billion ($4.271 trillion vs. $4.246 trillion), according...
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...
Why Eight States Are Suing Over ‘Reg BI’
'Dually registered' advisers can switch hats between the broker/commission model and the adviser/AUM model as needed, to the confusion and expense of investors. Eight state attorneys general say the...
We Deserve Better
We were on our way up and out of the extreme low interest rate regime until the end of July, when factors related to the 2020 election came into...
Be a ‘Succession Planter’ of Lifetime Income
Here's an income plan for a hypothetical 65-year-old couple with $1.6 million in savings, a real income goal of $8,000/mo. in retirement, and a legacy goal of $1.5 million....
A Second Structured Annuity Offers Income
CUNA Mutual Group invades Allianz Life airspace by launching 'Zone Income Annuity.' It's the only structured index annuity besides Allianz Life's Index Advantage Income to offer a lifetime income...
IRS Makes Annuities RIA-Friendlier
'The fees deducts from the contract’s cash value and remits to the advisor will not be treated as an "amount received" by the owner of the...
Storm Warning? Let an Annuity By Your Umbrella
For advisors who sell annuities, market tremors are known to stimulate business. After a bit of volatility, older investors in particular show more interest in taking profits out of...
Executive Interview: PRU’s Kent Sluyter
The president of Prudential Annuities since 2017, actuary Kent Sluyter spoke with RIJ recently about financial wellness and about his firm's pivot to a new generation of individual annuities....
What your Zip code reveals about your lifespan
A new report from ClubVita shows that life expectancy increased at a faster rate for more financially well-off retirees between 2001 and 2014.
