A Word to the Wise Advisor

At the Money Management Institute Fall Solutions conference in Boston this week, one of the presentations focused on the right and wrong words to use when explaining the impact of the DOL fiduciary rule to existing clients.

Research Roundup

Almost every controversial subject in the US today--from Fed policy to machine learning to immigration--contains an element or theme related to retirement policy. The articles reviewed in this month's Research Roundup are proof of that.

‘iTDFs’ Smooth the Bumps of Retirement Income

A former chief actuary of Denmark seeks a US target date fund company that might use his technology, the 'iTDF,' to create a seamless transition from pre-retirement savings to safe income during the first 20 years of retirement.

A Revolt Against PE-Led Annuity Issuers

Matt Zagula is an annuity wholesaler and fixed indexed annuity (FIA) designer. He and forensic accountant Tom Gober created the TSR ratio, a scale for rating FIA issuers. Mutual and fraternal insurers score best; private equity-led life insurers score worst.

Trump, Buffett, and how the wealthy are taxed

'At the end of the day, tweaks to the individual income tax system, including higher tax rates, are unlikely to increase dramatically the taxes paid by the very wealthy,' writes our guest columnist, in describing tax strategies that will survive the election.

Anecdotal Evidence: Football and Financial Ads

Watching football games lets me see TV ads for financial services companies. Last weekend, I saw funny ads from E*Trade and GEICO, and a serious ad from Northwestern Mutua. I also saw a full-page mea culpa from Wells Fargo in the NYTimes.

Could your job vanish after November 8? Here’s a remedy

'IncomeAssure covers salaries up to $250,000 a year. It allows policyholders to maintain their current lifestyle and pay their bills while unemployed, regardless of which candidate wins the election,' said a release about the Great American product.