On the Case: Income from a ‘Certified’ Used Annuity

In this latest income solution for "Andrew and Laura," a real couple near retirement, Bryan Anderson of AnnuityStraightTalk and Nathaniel Pulsifer of DCF Exchange combine a secondary market annuity, an indexed annuity and equities for safety and upside.

Tax-Free QLACs? It Makes Sense

By Kerry Pechter
There would be no better way to jump-start awareness of longevity risk than by making withdrawals from qualified longevity annuity contracts tax-free. By reducing dependence on public assistance, the move could even pay for itself.

Tontines in the Townships of South Africa

By Moshe Arye Milevsky
Who is a South African startup going to call when they need advice on creating a tontine-like micro-pension for low-income workers? Our guest columnist and tontine expert met with a pension provider called 'Nobuntu' and some prospective pensioners.

Goodbye HelloWallet. Hello, United Income

By Editorial Staff
Matt Fellowes, who sold HelloWallet to Morningstar for $52.5 million, is introducing United Income, a digital advisor that promises even to help clients sign up for Social Security and Medicare. The all-in cost: 80 basis points per year.

Fixed annuities outsell variable in second quarter: IRI

By Editorial Staff
'While total variable annuity sales rose slightly,' said John McCarthy, Senior Product Manager at Morningstar, “the largest increases were in non-qualified sales. We are also seeing growth in newer investment-oriented products such as structured annuities.'

Honorable Mention

By Editorial Staff
Consumer research from Jackson National and Insured Retirement Institute, Bitcoins for your IRA, Aite's growth projections for robo-advisors, AXA hires gerontologist Sandra Timmerman and MassMutual finds that Venusians worry more about money than Martians.

COVER STORIES YOU MAY HAVE MISSED

September 7, 2017

Bill Sharpe’s ‘Lockbox’ Strategy

By Kerry Pechter
The Nobel Prize winner's new e-book describes a retirement income generation method that combines Modern Portfolio Theory and income annuities. Advisors, life insurers, quants and even retirees should find it valuable.
August 17, 2017

On the Case: A Solution from ‘Retirement NextGen’

By Kerry Pechter
Robert Fourman, a colleague of Curtis Cloke at Acuity Financial, uses their Retirement NextGen software to create a retirement income plan for Andrew and Laura, a near-retirement couple with $1.24 million in savings and...
August 10, 2017

On the Case: TIPS Ladder + QLAC + HELOC = Income Security

By Kerry Pechter
Mike Lonier, of Lonier Financial Advisory, solved 'Andrew and Laura's' retirement income puzzle with a combination of products. A certified Retirement Management Analyst, he first builds a safe income floor and then invests for...