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.
Annuities Aim for Spot in ‘Starting Lineup’
Annuity issuers want—and need—their products to be included as a matter of course in the model portfolios or asset allocation software tools that more advisors are expected to rely...
Of Black Walnut Trees and ‘the Debt’
'Now tell me again,' said my neighbor, who works as a public health administrator, 'why I shouldn’t worry about the size of the federal debt.' So I did.
Apple Stock, Bourbon and Cigars
Every summer, I try to spend a weekend with two old friends. We used to talk about our spouses and children. Now we talk most about retirement and money....
Why Are Stocks So High?
Because corporations have been returning more of their profits over to shareholders and less to workers, especially over the past 30 years, according to authoritative recent research. The implication...
