The Overlooked Income Vehicle

Systematic withdrawals from 401(k) plans are a widely-available but rarely-used way to create retirement income. Perhaps because electronic transfers are virtually free, nobody's championing them.

Making Income Rise as Health Declines

A fee-only adviser in Philadelphia used 'medically underwritten' or impaired annuities from Mutual of Omaha to increase the retirement incomes of older, single men in declining health.

Life Insurance in a Bucketed Income Plan

This case study from Securities America uses life insurance to help a 'constrained' mass-affluent retired couple protect the surviving spouse from a partial loss of pension and Social Security income.
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The DOL and the Robo-Advisors

The DOL proposal will not make investment advice a commodity; it is a commodity. The DOL isn’t going to make thousands of financial salespeople obsolete; the digital advisory channel already has.
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