On the Case: A Solution from ‘Retirement NextGen’

Robert Fourman, a colleague of Curtis Cloke at Acuity Financial, uses their Retirement NextGen software to create a retirement income plan for Andrew and Laura, a near-retirement couple with $1.24 million in savings and $1.8 million in real estate assets.
Finance Opinion

Is Trump Killing the Dollar?

'In the administration’s first 200 days, the dollar has lost almost 10% of its value,' writes our guest columnist. 'Investors have been looking for alternative safe havens in other markets, from Switzerland to Japan.'

Roth 401(k)s Are the People’s Choice

New research suggests that the majority of participants, without doing the math, might actually prefer to get taxes on their savings out of the way today and have the pleasure of looking forward to tax-free income in retirement.
Interest Rates

Fed leaves rates unchanged at 1% to 1.25%

The Open Market Committee said it will keep reinvesting principal payments from holdings of agency debt and agency mortgage-backed securities in agency mortgage-backed securities and rolling over maturing Treasury securities at auction.

ERISA lawyers explain latest DOL moves

'The most interesting change is that... the adviser can avoid calling itself a fiduciary during the transition period, even if it is providing fiduciary advice,' said the Client Alert from the Drinker Biddle law firm.

Annuity issuers need to innovate: A.M. Best

Many post-election signs in the U.S. appear favorable for life insurers, but it may be 'a little too early to lock in this enthusiasm,' said the ratings agency in a special report on the life/annuity industry.

RIJ Takes a Two-Week Holiday

Everybody needs an occasional break from the daily grind. RIJ will be taking the second half of August off, returning with the September 7 issue. See you after Labor Day!


August 10, 2017

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...
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.