RSQ-y Business at John Hancock B/D

John Hancock Financial Network will offer its advisors the Retirement Sustainability Quotient, an income planning tool that Moshe Milevsky (pictured) developed for ManuLife Financial, JHFN's Canadian parent.

The Five Most Important Retirement Income Decisions

'Many of the decisions presented here are beyond the skills of most pre-retirees and retirees,' writes the author, a research scholar at the Stanford Center on Longevity. 'They’re going to need help.'

A Closer Look at CLOs (and Other U.S. Credit)

Bond mavens, check this out. A new SEC report describes how most of the $54-trillion dollar U.S. credit market survived last spring's financial crisis. It covers securitized 'leveraged loans,' which provide high-octane fuel for fixed indexed annuity issuers.

She’s Got Advice for Life Insurers

'Insurers can't remain wedded to product sales, which are becoming commoditized in a future that trends toward financial advice,' says industry veteran Michelle Richter, who just launched Fiduciary Insurance Services, LLC.
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Send the Social Security Statement to Everyone On One Day!

The associate director of the Center for Retirement Research wants financial services companies to fund a revival of the delivery of Social Security statements to working Americans. Cost: $55 million. Benefit: Priceless.
News

Asset prices won’t plummet when Boomers retire—Aviva

As the Boomers retire and leave a smaller 40 to 64-year-old cohort behind them, bond yields should rise 60 basis points above the increase warranted by GDP growth and inflation prospects, according to Mirko Cardinale, a researcher at Aviva Investors.

The Bucket

Brief or late-breaking items from Nationwide Financial, MetLIfe, Edward Jones, LPL Financial, and Vanguard.

The Scoop on Pre-Owned Annuities

When buying a secondary-market annuity that offers a 7% or 8% effective rate of return, make sure you deal with honest brokers.