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.


November 25, 2021

Thanks-givings (Not Misgivings) about Social Security

This year I'm claiming the Social Security benefits that I've earned on my own work record. I'm old enough now to be truly thankful for Social Security, whose future is precisely as certain, as...
November 18, 2021

The Alt-Asset Teams that Reinvent Annuity Companies

'Insurance Solutions' groups use private assets to boost the returns of life/annuity company investment portfolios. RIJ talks with Todd Fonner of Investcorp Insurance Solutions about this trend.
November 11, 2021

One Life Insurer’s Pivot to Private Assets

American Equity Investment Life’s ‘AEL 2.0’ strategy is designed to help it thrive even in a low yield environment. Allocating up to 40% of its money to ‘private assets’ is key to the fixed...