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 shortfall.'

Dealing with the Contradictions of Financial Advice

'This is not a problem of Truth and Proof,' wrote Francois Gadenne of RIIA in an email and the inconsistencies of advice. “It is a problem of measurement (of outcomes) and fit (to a specific client type).

An Obama-era retirement savings initiative gets the ax

The program aimed to work in support of private industry, not against it. When MyRA account balances reached $15,000, Treasury bond assets would be liquidated and rolled into private-sector brokerage IRAs.

Advisors pivot from high-cost to low-cost active funds

'Fund manufacturers without a low-cost solution are, at best, being ignored and at worst, getting trampled,' said Jeff Tjornehoj, Broadridge's director of fiduciary and compliance research, in a release.

Honorable Mention

Brief or late-breaking items from AllianceBernstein, BrightScope, ARIA Retirement Solutions, Cerulli Associates, Betterment, and MetLife.


January 14, 2022

‘Smart,’ from UK, Enters the US PEP Market

'Smart' is the recently-launched American branch of a British fintech with expertise in a kind of retirement savings plan that's called a 'master trust' in the UK and a 'pooled employer plan' or PEP...
January 6, 2022

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.
December 16, 2021

‘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...