On the Case: TIPS Ladder + QLAC + HELOC = Income Security

Mike Lonier, of Lonier Financial Advisory, solved 'Andrew and Laura's' retirement income puzzle with a combination of products. A certified Retirement Management Analyst, he first builds a safe income floor and then invests for upside.

Why Not Medicare for All?

The debate over 'repeal and replace' has made it clear that if we are serious about providing universal healthcare to Americans, the only sensible option is single payer, writes our guest columnist, an economist at the Levy Economics Institute of Bard College.

Fiduciary rule delayed until July 1, 2019: DOL

'The delay is really more about giving the DOL time to rework the rule rather than companies really needing more time to prepare,' said Jamie Hopkins, co-director of the Retirement Income Program at the American College.

Some DC plan sponsors would switch to state-run plans: LIMRA SRI

Sponsors of DC plans with over $50 million in assets were more inclined than sponsors of plans with under $10 million in assets to say they would replace their existing DC plan with a state-run plan (31% vs 22%), the LIMRA SRI study showed.

Honorable Mention

Brief or late-breaking items from Great American Life, Brookstone Capital, MetLife, Brighthouse Financial, and the SEC.


August 3, 2017

On the Case: Jim Otar Answers Our Income Challenge

'I would not worry too much about complicated strategies,' Otar wrote after reviewing Andrew and Laura’s retirement finances. 'They probably don’t need guaranteed income (annuities), a bucket strategy or anything fancy to cover their...
July 27, 2017

Curve, Triangle or Rectangle: What Kind of Advisor Are You?

At the Retirement Income Industry Association's 2017 Summer Conference, founder Francois Gadenne asserted that advisors can protect themselves from automation, regulation and commoditization by advising in three dimensions.
July 20, 2017

On the Case: An Income Plan from ReLIAS

To solve for one couple’s retirement income needs, Mark Warshawsky of ReLIAS LLC proposed SPIAs and 7.5% annual withdrawals from an all-equity portfolio. RIJ will publish solutions from other experts in the coming weeks....