Spiritual Advisor

Good advisors think of themselves as healers, in a way. Larry Ford takes that concept to a new level. Has he totally lost his mind, or is he onto something?

Marshmallows and Social Security

Should US retirees delay claiming Social Security until age 70, even if they have to spend savings until then? The Center for Retirement Research at Boston College proposes that strategy as a default option in retirement plans.

How to Choose an Annuity Issuer

Shopping for an annuity, like shopping for a car, involves questions about the manufacturer of the product. Do their products perform as expected? Will service quality be high? Are they likely to stay in business? We show you where to look for answers.

Time to Put Benjamins Back in the Sock Drawer?

At the LIMRA annual conference in Boston earlier this week, MIT economist James Poterba described how low interest rates make saving for retirement more of a challenge.
Featured

The Variable Annuity Market in Five Acts

Actuary Timothy Paris, CEO of Ruark Insurance Advisors, Inc., charts the evolution of the variable annuity product and its market in this article, which first appeared as a blogpost on the Society of Actuaries' Riskpertise site.

Will Boomer Retirement Melt the Markets?

An editor at IPE.com says decumulation by Boomers won't spell disaster for the equity and bond markets--thanks in part to inequality. "The wealthiest 1% of US baby boomers own almost one-third of the cohort’s financial assets (and can live off the income without selling)," he writes.
News

Partial lump-sum payouts for Social Security?

Researchers suggest that instead of giving Americans increasingly higher monthly benefit for waiting past age 62 to claim benefits (to a maximum age of 70), the Social Security Administration might present the premium for delay as a lump sum.

Lower-income 60-somethings are raiding their IRAs

Among households ages 71 to 80, those whose withdrawals exceeded the RMD amount were withdrawing more than twice as much, proportionately, as did those who withdrew the minimum required amount.

The Bucket

Brief or late-breaking items from Northwestern Mutual and Jackson National Life.