Insights From the Annuityverse

Insights From the Annuityverse

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  • 2020
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  • 2022
  • David Macchia
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  • Michael Finke
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  • Retirement
  • William Bengen

Product experts: Regulators need to end ‘gamesmanship’ of IUL illustrations

Roughly 18 months after new regulations meant to tighten up indexed universal life illustrations took effect, insurers are using “gamesmanship” to make a mockery of new rules, say two leading insurance product experts.

Next Stop: Multi-Account UMAs

We know there are multiple levers to push and pull to achieve tax alpha and better financial results. Tax harvesting is only one of them.

Ask An Advisor: Where Should I Stash Short-Term Savings?

When it comes to determining where to house your short-term savings, factors to consider include risk, access, goals…

7 Things To Know About Social Security and Retirement for 2022

“The death of Social Security has been greatly exaggerated,” said Paul Tyler of Nassau Financial Group in Hartford, Connecticut.

Insurance Agents Are Unknowingly Breaking DOL Rules, Attorney Says

A number of insurance agents may be violating U.S. Department of Labor rules by accepting “conflicted compensation” from annuities sales…

Using a Holistic Approach to Retirement Planning by Taking Risk off the Table

Welcome to episode #39 of Social Security: Answers from The Experts with Martha Shedden: Using a Holistic Approach to Retirement Planning by Taking Risk off the Table with Paul Tyler

As inflation hits 40-year high of 8.6%, experts look ahead

The US said Friday the Consumer Price Index, the measure of the average change over time in prices paid by urban consumers for a market basket of goods and services, rose to 8.6%, a level not seen since Ronald Regan was president and Michael Jackson was singing “Billie Jean.”

Social Security and Retirement: 7 Things Everyone Should Know

Even if you do have retirement savings, you’ll want to be strategic about taking your benefits in a way that’s optimal for you.

Rising rates are good news for near-retirees seeking longevity insurance

Annuities are getting more attractive, so is it time to inch in as rates rise further?

The Tragic Politicization of Annuities

The Tragic Politicization of AnnuitiesAnd how to move past it to help your clients. By David Macchia

Indexes must evolve with inflation, rising rates, says NAFA panel

Many popular indexes supporting annuities and life insurance today might not work as well in a recessionary, high-inflation, and rising interest rate environment.

3 Ways Alternatives Can Help Advisors Manage Investor Emotions

Alternatives can support clients in staying the course and offer them protection in bad times. Learn more in this article by ThinkAdvisor.

High inflation means the end of the “4% rule” for retirees

High inflation means that it’s time to reassess how much you withdraw from your pension each year if you don’t want to run out of money

4 retirement income strategies to match any client’s style

When it comes to planning for retirement income, clients face a number of risks.

What Is the Social Security Administration?

Read this article to learn about how this federal agency’s programs help to support retirees.

Nearly a quarter of Americans are putting off retirement because of inflation, survey finds

Inflation is far from over, but experts say there are smart ways to address the situation.

Are You Selling a Verb or a Noun?

Meet a woman driven to change investment regulation and understand why it’s important that she succeeds.

Annuities Provide Nourishment In An Income-Starved Environment

Just as food sustains the body throughout its lifetime, an annuity sustains a client’s savings throughout their retirement.

Conference Speaker Offers New Way To View Retirement Assets

Moshe Milevsky thinks underwriters, risk analysts, and actuaries are seriously overlooking major elements of their business that could produce savings as well as make more money.

Don’t Move to Another State Just to Reduce Your Taxes

If you’re retired or near retirement, maybe a smarter plan for retirement income will allow you to stay put. Yes, your state income tax rate may be higher, but your spendable income will be, too.

Looking to Curb Your Retirement Savings? That’s a Bad Idea

Americans are chopping away at spending. That’s okay — just don’t cut retirement savings, too.

Why Advisors Shouldn’t Dismiss Index-Linked Annuities

Sales of protection-focused annuity products were higher in the fourth quarter of 2021 than the combined total of accumulation…

Reverse Mortgages and Estate Planning

A reverse mortgage could allow you to supplement your retirement income without drawing down other assets in your estate.

Retirement Planning Is No Laughing Matter: WealthConductor CEO

Approaching the challenge of retirement income planning in a lighthearted fashion may have friendliness written all over it…

RIAs Sell Verbs. Agents and Brokers Sell Nouns

If time flies when you’re having fun, then it stands to reason that the opposite is also true.

The Institute of Financial Wellness Introduces Advisory Board of Nationally Noted Thought Leaders

The Institute of Financial Wellness Introduces Advisory Board of Nationally Noted Thought Leaders

401k Education Without Walls And Beyond Boundaries

Finance is hard. It’s harder if you’ve never learned about it.

Listening To The Best And The Brightest by Jack Sharry

I built my career on listening. I especially enjoy good storytellers. With the pandemic making conversations harder to have…

TIPS and Annuities Good Bets When Inflation Is High with Wade Pfau

Higher inflation means advisors need to be more efficient in positioning client assets for retirement, says Wade Pfau…

Retirement Plan Participants Need Help With Retirement Income

From in-plan to out-of-plan, guaranteed or not, retirement plan sponsors have many options and many decisions to make.

The Two Biggest Risks for Investors and Retirement Savers

There’s no shortage of risk in saving for and living in retirement, but at the moment, market risk and sequence-of-returns risk loom large.

6 High-Return, Low-Risk Investments for Retirees

These investments can help retirees avoid extra risk while seeking better returns. As Seen in US News & Worl Report.

How Claiming Social Security Early Will Affect Spousal Benefits

“Generally, if anyone is in good health and can pay monthly bills, deferring Social Security as long as possible makes the most financial sense,” said Paul Tyler.

The Most Important Financial Goal in Retirement Isn’t What You Think

Even more important than not running out of money in retirement is another goal: not having to make crucial financial decisions as you age.

The Good, The Bad, And The Ugly On Annuities In 401k Plans

You may love annuities. You may hate annuities. You may merely say “Meh” about annuities.

The Intuition for Reverse Mortgages

Excerpted from chapter 1 of Wade Pfau’s newly revised book, Reverse Mortgages…

Regulators Wary Of Disruptions To Hot RILA Market With New Rules

Concerns over how much disruption to intro to the thriving market for indexed-linked variable annuity products…

Annuity Payments Don’t Make Your Retirement: They Make It Better

Why do annuity payments belong in a plan for retirement income?

Retirees, Here’s What to Consider When Buying an Annuity

Annuities are sometimes touted as a solution for retirees concerned about outliving their savings…

New Film Focuses On Boomers’ Retirement Struggle

The movie addresses many of the struggles Baby Boomers will face in the next 10-20 years. 

Kitces Report: The Technology That Independent Financial Advisors Actually Use (And Like)

Click this link to learn more about The Technology That Independent …

New Legislation Would Allow Lifetime Income Products As Default Retirement Plan Investment

Bipartisan legislation to eliminate a barrier preventing lifetime income products as default …

5 Simple Habits That Will Help You Save for Retirement

Saving for retirement can be a struggle. You might have many years left in your career, and it can seem almost impossible to save the necessary hundreds of thousands or even a million dollars.

PG-Rated Film on Annuities Hits the Big Screen. Well, Kind of.

Retirement income and annuities are getting the Hollywood treatment

New Episode of Psych & Stuff: ‘Money on Your Mind? Financial Psychology with Prof. Preston Cherry’

This episode covers the importance of financial literacy…

Is Your Client A ‘Decumulator’ Or A ‘Retirement Incomer’?

There’s a big difference between retirement income and decumulation…

Retirement Expert Wade Pfau Discusses Dividend Stocks, Long-Term Care, and More

Economist Wade Pfau’s views on funding retirement…

Retirement Strategy: 6 Useful Tips To Live Off of Interest Alone in Your Golden Years

These strategies will put you on the right path…

For Annuity Issuers, ‘Direct to Consumer’ Is Still Mostly a Dream

When mutual funds started selling products online more…

A New Matrix for Personalizing Retirement Income Strategies

A new study identifies a set of scorable retirement income factors…

A lasting stock market downturn can be a big problem early in your retirement

The world’s first high yield credit card…

Introducing the Save® Wealth card, the world’s first high yield credit card that provides market returns instead of points or cash back

The world’s first high yield credit card…

WealthManagement’s Fifteen Must-Listen Financial Podcasts Featuring That Annuity Show

The cast of That Annuity show is proud to…

Advisors Ponder Bitcoin, ‘Decade Of Disappointments’ In 2021 News

There’s still money to be made off Bitcoin purchased…

Factoring Inflation into Your Retirement Plan

Right now, inflation is top of mind for everyone, perhaps especially retirees.

7 Easy Ways Every Boomer Can Catch Up on Retirement Savings

A key principle in saving money is making sure you don’t owe anything.

AM Best Upgrades Credit Ratings of Nassau Financial Group, L.P.’s Insurance Subsidiaries

AM Best has upgraded Financial Strength Rating to B++

8 Predictions for Retirement in 2022

Retirement planning covers a lot of issues…

In a $1 Million Retirement Income Portfolio, Investors Choose Annuities and Protection Over Traditional 60/40 Allocation

A significant majority of investors…

Opinion: Why small amounts saved now can boost retirement income later in life

Opinion article by Michelle Richter and Bob Melia – One way to help retirees stretch their savings further…

Evaluating an early retirement offer: What to consider before accepting one

“You may be lucky enough to have earned and saved enough to be financially independent. If you fall into this rare category…

Annuities And Predicting The Right Time For The Market With Paul Tyler

Paul Tyler joins Kevin McCullough to talk annuities and market predictions in this ep of Radio Night Live!

Wink, Inc. Names New President

Victoria L. Grossman has been named the President of Wink, Inc. Sheryl J. Moore will continue in her role as Chairwoman & CEO.

What’s Your Retirement Number? Don’t Just Go by the 4% Rule

To help make sure your retirement income covers your needs and lasts for a lifetime, you need a custom plan. The 4% rule of thumb is a starting point…

Swap Your 401(k) and start receiving a Lifelong Monthly Check

“Therefore, it’s excellent to view they presently are frequently having annuity rights or different sorts of plans to achieve a retirement plan.”

Fi360 Announces Formation of ‘Lifetime Income Consortium’

Broadridge Fi360 Solutions & Fiduciary Insurance Services have teamed to initiate a Lifetime Income consortium to promote the need for guaranteed income options within retirement plans.

Annuities Genius Partners with CANNEX to Leverage Data for New SPIA/DIA Tools

Annuities Genius has partnered with CANNEX to use its data for their new SPIA and DIA comparison tools.

5 Ways to Get Your Firm Unstuck

These activities might help get your firm out of its rut, but it’s up to you to make it happen.

Six Retirement Planning Lessons From Netflix’s ‘Squid Game’

How to make sure your clients avoid playing games with their retirement funds.

Early retirement today ‘is a problem we will see in 20, 30 years’: Expert

Jamie Hopkins lays out how Americans should be planning and saving for retirement, anticipating unexpected market impacts, and more.

8 Best Investing Podcasts Investors Should Know About

Investors shouldn’t miss out on these eight great investing podcasts. Podcasts are taking over.

Sales May Be Down, But The Annuity Industry Will Bounce Back

Investors shouldn’t miss out on these eight great investing podcasts. Podcasts are taking over.

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