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.

A three-bucket blueprint for de-accumulation, from the U.K.

By Kerry Pechter Thu, Jul 2, 2015

Britain's public-option defined contribution plan, NEST, thinks that a decumulation strategy that used tax-deferred savings to fund a small cash bucket, a big income-generating bucket and a longevity annuity...

Published July 2, 2015

In New York, Hanging with Robos

By Kerry Pechter Thu, Jun 25, 2015

At the InVest financial technology conference in Manhattan last week, hundreds of robo-advisors, vulture capitalists, and Wall Street firms gathered to contemplate a prosperous and collaborative future.

Published June 25, 2015

The Overlooked Income Vehicle, II

By Kerry Pechter Wed, Jun 24, 2015

If more 401(k) plans offered systematic withdrawals, more money might stay in 401(k)s, and the DOL might not need to attempt the difficult and divisive task of policing rollover...

Published June 25, 2015

The DOL and the Robo-Advisors

By Kerry Pechter Thu, Jun 18, 2015

The DOL proposal will not make investment advice a commodity; it is a commodity. The DOL isn’t going to make thousands of financial salespeople obsolete; the digital advisory channel...

Published June 18, 2015

The Overlooked Income Vehicle

By Kerry Pechter Wed, Jun 17, 2015

Systematic withdrawals from 401(k) plans are a widely-available but rarely-used way to create retirement income. Perhaps because electronic transfers are virtually free, nobody's championing them.

Published June 18, 2015

In-Discretionary Accounts

By Kerry Pechter Thu, Jun 11, 2015

Investment performance of popular “Rep-as-Portfolio-Manager" accounts lags direct-sold packaged portfolios, say analysts at Cerulli Associates and Fuse-Research.

Published June 11, 2015

In FIA Arms Race, Hybrid Indexes are the Arms

By Kerry Pechter

Investors in Nationwide's New Heights fixed indexed annuities have a new index option: a globally diversified, multi-asset managed-volatility index from JP Morgan called MOZAIC.

Published June 11, 2015

MetLife launches QLAC as plan distribution option

By Kerry Pechter Thu, May 28, 2015

Participants in plans with MetLife group annuity contracts can put 25% of their qualified savings (up to $125,000) into this new deferred income product, whose premium can be excluded...

Published May 28, 2015

Inside the Beltway, Disinformation Reigns

By Kerry Pechter

An article in The Hill, the respected Washington newspaper and website, has gotten the DOL's conflict of interest proposal all wrong. It doesn't even mention rollover IRAs.

Published May 28, 2015

A Two-Headed Nightmare: The Robos and the DOL

By Kerry Pechter Thu, May 21, 2015

The Amazon-ification of financial services will eventually disintermediate tens of thousands of financial salespeople. If you didn't get the memo already, consider the conflict-of-interest proposal a final wake-up call.

Published May 21, 2015

England Swings (Away from Annuities)

By Kerry Pechter Thu, May 14, 2015

Until April 6, most Britons bought annuities with their DC savings. Now they can do as they wish with those ‘pension pots.’ BlackRock and AllianceBernstein see opportunity. ...

Published May 14, 2015

Offer Life Annuity and Whole Life in Tandem: Pfau

By Kerry Pechter

Retirees might be more willing to buy a life annuity if it’s part of a plan that also includes whole life insurance, says retirement guru Wade Pfau in a...

Published May 14, 2015

The next-gen adviser: Half person, half machine

By Kerry Pechter

What will retirement advice look like in the future: Will advisers use the digital advisory channel, or will the digital advisory channel use them? A new report from Celent...

Published May 14, 2015

Six Ways to Dress Up QLACs

By Kerry Pechter Wed, May 6, 2015

RIJ spoke with annuity manufacturers and distributors about their strategies for selling qualified longevity annuity contracts, which are deferred income annuities for IRA money. The favorite, but not unanimous,...

Published May 7, 2015

Who’s Doing What with QLACs Now

By Kerry Pechter Thu, Apr 30, 2015

The 'Tax-Free Ninja' is Eric Estrada, a marketer at a Houston-based insurance wholesaler. He's one of the young, social-media savvy entrepreneurs who are enthusiastic about the potential for selling...

Published April 30, 2015

On the Road with RIJ: Penn’s Archaeology Museum

By Kerry Pechter

We're at the Wharton School's 2015 Pension Research Council symposium, an exclusive meeting of retirement academics and professionals held each year in Philadelphia. Also: A link to slides from...

Published April 30, 2015

FIA: Unofficial MVP of the LIMRA Conference

By Kerry Pechter Thu, Apr 23, 2015

Fixed indexed annuities will “increase their dominant position in the individual U.S. annuity market” and “approach variable annuity sales levels over the next five years,” predicted actuary Tim...

Published April 23, 2015

Voya Hires New Retirement Chief

By Kerry Pechter

Charles P. Nelson (pictured) will lead Voya Financial's individual and institutional retirement businesses after serving more than 30 years at Great-West Financial. He fills a management gap left by...

Published April 23, 2015

DOL to Advisors: ‘Take the Pledge’

By Kerry Pechter Fri, Apr 17, 2015

In the much-anticipated revision of its 2010 proposal to curb conflicted sales to retirement account owners, the Department of Labor asserts that rollover IRAs are within its jurisdiction. It...

Published April 17, 2015

In 1799, They Said ‘No’ to Taxes

By Kerry Pechter Wed, Apr 8, 2015

In March 1799. not far from where I live today, an auctioneer named John Fries led a protest against the first direct tax on American homeowners. Alexander Hamilton wanted...

Published April 9, 2015

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