The Bucket Brigade

Time-segmentation stands at the intersection of insurance and investments, of modern portfolio theory and asset/liability matching, and of behavioral finance and quantitative analysis.
Anecdotal Evidence

The ‘Coverage War’ Begins

Half of Americans have no way to save for retirement at work. But who will help them: private companies, state governments, or a combination of the two?
Income Strategy

Undersaved? Work a little longer

A 66-year-old worker who works one year longer and claims Social Security one year later could see a 7.75% rise in his inflation-adjusted retirement income, according to new research.
M&A Activity

Financial Engines purchased by private equity firm

There were 208 M&A deals involving asset management firms worth $21 billion in 2017, according to Sandler O’Neill & Partners. Combined deal values were up about 23% from the previous year.

Honorable Mention

Principal Financial will partner with ARAG to provide financial wellness programs; Lincoln Financial completed its purchase of Liberty Life Assurance.

Fiduciary rule litigation isn’t over

AARP wants the entire panel of Fifth Circuit judges to review the ruling by the three-judge panel, which ruled 2 to 1 against the DOL fiduciary rule.


April 26, 2018

With FIA Caps, Higher is Better

CANNEX, the real-time annuity rate provider, has published a study that compares hypothetical fixed indexed annuity returns with the returns of multi-year guaranteed rate annuities. Cannex recently added FIAs to its data platform. ...
April 19, 2018

Retirement Wonks and Honky-Tonks

Having stopped Congress from cutting tax breaks for savers in December's tax bill, the American Retirement Association celebrated with three-days of reflection and revelry in Nashville.
April 12, 2018

An Income Strategy for a Couple with $200K

Joe Tomlinson, an advisor who often recommends immediate annuities in income plans, takes a different tack in his plan for a hypothetical couple, both age 65.