Kerry Pechter, Author at Retirement Income Journal

Articles by Author: Kerry Pechter

Editor and Publisher of Retirement Income Journal, Kerry Pechter is author of Annuities for Dummies (Wiley, 2008) and former editor of the SourceMedia publication, Annuity Market News/Retirement Income Reporter. He has been an annuity columnist for Senior Market Advisor, and his feature articles have appeared in The New York Times, Wall Street Journal, Men's Health and many other national publications. From 1997 to 2006, he was a writer and editor supporting the Retirement Resource Center at The Vanguard Group. In 2009, he traveled to Taiwan and reported on the retirement industry there as a fellow of the National Press Foundation. A graduate of Kenyon College and recipient of a fellowship in creative writing at Indiana University, Pechter resides in Emmaus, PA, with his wife Lisa, the director of marketing and publicity for the Pennsylvania Shakespeare Festival at DeSales University.

With FIA Caps, Higher is Better

By Kerry Pechter Thu, Apr 26, 2018

CANNEX, the real-time annuity rate provider, has published a study that compares hypothetical fixed indexed annuity returns with the returns of multi-year guaranteed rate annuities. Cannex recently added FIAs...

Published April 26, 2018

LIMRA Ponders the Annuity Puzzle

By Kerry Pechter Thu, Apr 19, 2018

'We can stick with business as usual, or we can work with regulators to remove some of the hurdles to selling annuities,' said Ernst & Young's Doug French at...

Published April 19, 2018

Retirement Wonks and Honky-Tonks

By Kerry Pechter

Having stopped Congress from cutting tax breaks for savers in December's tax bill, the American Retirement Association celebrated with three-days of reflection and revelry in Nashville.

Published April 19, 2018

Little Love for SEC ‘Best Interest’ Proposal

By Kerry Pechter

Having kicked the fiduciary can for two decades, the SEC has finally done something. But it didn't seem to do much--or, more importantly, enough--to define the phrase "best interest."

Published April 19, 2018

An Income Strategy for a Couple with $200K

By Kerry Pechter Thu, Apr 12, 2018

Joe Tomlinson, an advisor who often recommends immediate annuities in income plans, takes a different tack in his plan for a hypothetical couple, both age 65.

Published April 12, 2018

‘Peeps’ Try to Peck Through a Pension Shell

By Kerry Pechter Thu, Apr 5, 2018

A Pennsylvania maker of colored marshmallow ‘chicks’ wants to be the first company in a ‘closed MEP’ pension plan to stay in the plan but put all new hires...

Published April 5, 2018

Should My Neighbor Buy that Indexed Annuity?

By Kerry Pechter

My 60-year-old friend went to a free retirement seminar and met an investment advisor who recommended that she move 60% of her savings into a fixed indexed annuity for...

Published April 5, 2018

A Pre-ICO Lunch at Gibraltar

By Kerry Pechter Thu, Mar 29, 2018

I rented a Fiat 500 and drove to Gibraltar for a mid-day meal with Dean McClelland, the creator of TontineTrust, a retirement income product based on crypto-currency.

Published March 29, 2018

It’s Hot Around the ‘Collar’

By Kerry Pechter

Nervous investors can get an indexed collar strategy from an annuity or an ETF. Great West Financial and Innovator Capital Management have new products in the category. Cap-and-buffer products,...

Published March 29, 2018

No surrender penalty on Jackson National’s new advisory FIA

By Kerry Pechter

The MarketProtector's IncomeAccelerator living benefit ratchets up the client's annual withdrawal rate for each year when no withdrawals are taken.

Published March 29, 2018

Float shrink: US firms continue to buy stock

By Kerry Pechter Thu, Mar 22, 2018

New cash takeovers have totaled $48.1 billion, and they have would have been $136.9 billion had Broadcom’s bid for Qualcomm succeeded, said TrimTabs research.

Published March 22, 2018

Hold the Parade

By Kerry Pechter

Annuity industry advocates say that this week's Fifth District Court of Appeals ruling has nullified the DOL fiduciary rule. Others disagree. I question Judge Jones' understanding of how the...

Published March 22, 2018

Chart: U.S. Individual Annuity Sales, Year-End 2017 (LIMRA SRI)

By Kerry Pechter

Published March 22, 2018

In Canada, ‘LIFE’ Begins at 85

By Kerry Pechter

Bonnie-Jeanne MacDonald (right or below), a research fellow at Toronto's Ryerson University, proposes a voluntary, tontine-like deferred income annuity called Lifetime Income for the Elderly (LIFE). Canadians could make...

Published March 22, 2018

‘We Shall Never Surrender!’

By Kerry Pechter Fri, Mar 16, 2018

At the Insured Retirement Industry's marketing conference in Orlando this week, speakers from AXA, Brighthouse Financial (formerly MetLife’s retail division), Great-West Financial, Jackson National Life, and New York Life...

Published March 16, 2018

‘Circuit Split’ over DOL Fiduciary Rule?

By Kerry Pechter

In my opinion, allowing IRA rollover money to escape the protections and restrictions that govern 401(k) plans will eventually nullify the federal government’s rationale for tax deferral—a benefit that...

Published March 16, 2018

Allianz Life’s New FIA Aims for Accumulation

By Kerry Pechter Thu, Mar 8, 2018

'By using volatility controlled indices, we can offer higher caps,' said Matt Gray, vp of product innovation at Allianz Life. 'In such a low-rate environment, those higher caps have...

Published March 8, 2018

A Fintech Fix for the Small Plan Cost-Crisis

By Kerry Pechter Thu, Mar 1, 2018

'We’re offering to clean house in a very fragmented broker market,' said Shin Inoue, CEO of ForUsAll, a turnkey 401(k) provider. Founded in 2014 by three former Financial Engines...

Published March 1, 2018

Homage to Andalusia

By Kerry Pechter

Sevilla’s residents radiated a comforting joie de vivre. That, along with the Andalusian sunshine, made my spouse and I think seriously about returning, if not retiring, to southern Spain.

Published March 1, 2018

Building a Personal Pension, a Month at a Time

By Kerry Pechter Thu, Feb 22, 2018

Recent filings show that Prudential plans to launch a direct-sold, auto-pay, multi-premium fixed deferred income annuity called GIFT, or Guaranteed Income for Tomorrow.

Published February 22, 2018

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