Whose Retirement Crisis Is It, Anyway?

The thrust of last week’s ICI Retirement Summit was that there’s no broad retirement savings crisis needing government action. But that doesn’t mean Boomers won’t need help with decumulation.

The Sacrificial Payroll Tax

Idle talk about suspending the payroll tax is making 'blue' Senators blue. We get answers from Social Security expert Eugene Steuerle of the Urban Institute.

An Income-Generating ‘Collar’

Using a 'protective net-credit collar,' the Nationwide Risk-Managed Income ETF has distributed monthly income at an annual rate of 7.88% in 2020, while appreciating 10%. Is there a catch?

Life Insurers’ Bermuda Triangle, Part II

The humble fixed indexed annuity is at the center of the restructuring hurricane that has swept through the life insurance industry in recent years. We bring you the second article in a series on the topic.
Featured

Where Young Advisors Can Give and Get Advice

“Think of the robo-advisors as high-tech, low-touch, and the high-minimum fee-only planners as low-tech, high-touch. We’re high-tech, high-touch," said Alan Moore, a young planner who, with Michael Kitces, has started XYPlanningNetwork to help other young planners build practices to serve Gen X and Gen Y investors.

RetirePreneur: Kelli Hueler

While in Japan on business in the late 1990s, Kelli Hueler saw an aging society and had an epiphany. She realized that American retirees would soon need sources of guaranteed income. So she started a SPIA sales platform called Income Solutions. Last winter, she added DIAs.
News

Financial discipline is important, but uncommon

Sixty percent of the respondents to a Northwestern Mutual survey said their financial planning could use improvement; the most common obstacle to improvement was lack of time, cited by 27% of those surveyed.