Insights From the Annuityverse

Decisions about annuities should be made in the context of a broader strategy that includes Social Security benefits, stock allocations and bond investments.

Custom indexes have a vital role to play in an annuity, but they do not guarantee the best possible outcomes in all instances.

…plan sponsors can make the difference in empowering more women to get on track to reach retirement goals.

Could it become a future breach if DC plans don’t at least consider them?

In the current interest rate environment…

In today’s inflationary environment, investors are looking…

Wade Pfau and Alex Murguia created the RISA Profile…

Virtual summit featuring noted economist, author and retirement expert Tom Hegna.

Before you raid your 401(k) or IRA, learn the realities…

Here are four proposals to modify the Social Security program …

Shifting from building wealth for retirement to distributing wealth during retirement…

Annuity issuers are operating in an increasingly concentrated marketplace…

At age 65, you may be retired or preparing to retire soon…

Gen X women are now between the ages of 43 and 58, which means retirement is on the not-too-distant horizon for some of them.

According to Jamie Hopkins, managing partner at Carson Group, these rapidly unfolding and interrelated events have underscored a few foundational financial planning concepts…

“In a high inflationary period – like today – investment and economic risk are very real for retirees,” says Paul Tyler, chief marketing officer at Nassau Financial Group. “The tradeoff is that the rate is…

Last December, Nevin Adams wrote a thought-provoking article titled “6 Obstacles to Retirement Income Adoption.” Nevin makes several interesting points, but in our view the…

Sheryl Moore, Wink’s CEO, said MYGA contracts in particular benefited both from increases in crediting rates and consumers’ fear of market volatility. “Eighteen percent…

About a dozen years ago, a video of two silver-haired seniors fruitlessly trying to figure out Skype—not knowing their webcam was on—made the internet rounds. The…

Pfau is a professor of retirement income and director of the Retirement Income Certified Professional program at The American College of Financial Services.

Wealth management is a higher-margin business than that of planned advisory services, causing the two industries to converge, said Michelle Richter of Fiduciary Insurance Services LLC,

The Big Three’s relentless growth is altering the distribution landscape, said Sheryl Moore, president and CEO of Moore Market Intelligence and Wink Inc.

“Consumers are increasingly turning to ethical choices in all aspects of life including investments,” Save Founder and CEO Michael Nelskyla said in the release.

In 2022, That Annuity Show had 40+ guests and 20,000+ downloads from 60 different countries. Thank you to our sponsor, The Index Standard!

Even in tough times, you can secure retirement income that lets you maintain your lifestyle, lasts a lifetime, adjusts for life events and leaves a legacy for the kids.

A state insurance regulator subgroup came up with a “quick fix” Wednesday to address faulty illustration problems within the Actuarial Guideline 49-A.

In our conversation, he explores a number of financial planning concepts, including the use of debt as a powerful tool. He also talks about why he thinks annuities are oversold…

Foldes Financial has continued to expand its offerings across the nation, in line with the goal of Peter Foldes. Foldes Financial is hosting a free masterclass with world-renowned…

Foldes Financial has continued to expand its offerings across…

Experts from Athene and The Index Standard speak with retirement income expert Mary Beth Franklin at smart ways to plan around inflation.

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

Virtually everything can be customized to fit us individually. And that includes a retirement income plan.

The majority of Americans don’t have much faith in the future of Social Security.

Take the time to plan when you’ll collect Social Security.

Higher interest rates and client concerns about stock market volatility pushed sales of MYGAs up hard in the second quarter.

Paul Tyler, Nassau’s CMO, drives the branding of insurance companies and affiliated asset management companies.

One of the biggest fears you probably have about retirement is whether your money will last as long as you do.

A new column published by Forbes details that sequence of returns risk is harming retirees, a risk previously described as avoidable with a reverse mortgage

Planning for retirement is challenging for everyone, but it can be especially difficult for single individuals.

A safe withdrawal rate can help prevent you from running out of funds in retirement.

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.

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.

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

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

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

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

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.”

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.

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

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

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

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 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

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

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

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

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

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

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.

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.

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

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

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

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

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

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

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

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

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

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.

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

“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.

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

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

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

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

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

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

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

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

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

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.

Retirement income and annuities are getting the Hollywood treatment

This episode covers the importance of financial literacy…

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

Economist Wade Pfau’s views on funding retirement…

These strategies will put you on the right path…

When mutual funds started selling products online more…

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

The world’s first high yield credit card…

The world’s first high yield credit card…

The cast of That Annuity show is proud to…

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

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

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

AM Best has upgraded Financial Strength Rating to B++

Retirement planning covers a lot of issues…

A significant majority of investors…

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

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

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

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

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…

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

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

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

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

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

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

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