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?

The Sacrificial Payroll Tax

Idle talk about suspending the payroll tax is making 'blue' Senators blue. We get answers from Social Security expert Eugene Steuerle of the Urban Institute.

An Income-Generating ‘Collar’

Using a 'protective net-credit collar,' the Nationwide Risk-Managed Income ETF has distributed monthly income at an annual rate of 7.88% in 2020, while appreciating 10%. Is there a catch?

Life Insurers’ Bermuda Triangle, Part II

The humble fixed indexed annuity is at the center of the restructuring hurricane that has swept through the life insurance industry in recent years. We bring you the second article in a series on the topic.
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.