This Is How You Sell Annuities

'This works really well with couples, where the husband is a risk taker but the wife is worried that she’ll be left without any money,' said Curtis Cloke about Retirement NextGen, a new software tool that replicates his planning techniques.

Research Roundup

Almost every controversial subject in the US today--from Fed policy to machine learning to immigration--contains an element or theme related to retirement policy. The articles reviewed in this month's Research Roundup are proof of that.

‘iTDFs’ Smooth the Bumps of Retirement Income

A former chief actuary of Denmark seeks a US target date fund company that might use his technology, the 'iTDF,' to create a seamless transition from pre-retirement savings to safe income during the first 20 years of retirement.

A Revolt Against PE-Led Annuity Issuers

Matt Zagula is an annuity wholesaler and fixed indexed annuity (FIA) designer. He and forensic accountant Tom Gober created the TSR ratio, a scale for rating FIA issuers. Mutual and fraternal insurers score best; private equity-led life insurers score worst.
Defined Contribution

Boeing’s 401(k) Joins the Hueler Annuity Platform

Boeing joined IBM, General Motors, Vanguard and other firms in giving its 401(k) plan participants access to the Hueler Income Solutions platform, where they can roll over savings to an IRA and purchase income annuities at competitive prices.
Defined Contribution

iTDFs: ‘Self-Driving’ Retirement Cars

'We’ve added intelligent shock absorbers and an automatic transmission to existing TDFs,' writes the former chief actuary of Denmark about his new retirement product. They 'convey clients seamlessly from the accumulation stage to the income stage.'
Defined Contribution

The high cost of unretired employees

If employers don't help their employees save adequately for retirement, workers are likely to postpone retirement, according to a new study from Prudential Financial. An older workforce could mean higher health care costs and lower productivity.
Defined Contribution

Americans like ‘fiduciary,’ but can’t explain it

More than half of respondents (53%) to a recent Financial Engines survey mistakenly believe that all financial advisors are already legally required to put the best interests of their clients first.
Defined Contribution

Honorable Mention

Brief or late-breaking items from Athene Holdings, Lincoln Financial Group and Fidelity & Guaranty Life.