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Registered Rep.
December 1, 2006
Kevin McKinley
The Case For (and Against) Immediate Annuities Right now your retired clients face a number of conundrums as they search for reliable sources of income. Retirees looking for safe, predictable income can get a big boost from immediate annuities when compared to other options. mark for My Articles similar articles
Investment Advisor
November 2006
Savita Iyer
Still Not Ready Although they might be confident in their savings for retirement, when it comes crunch time, many affluent retirees and pre-retirees find themselves ill equipped because they do not have an adequate retirement plan in place, according to a recent survey. mark for My Articles similar articles
On Wall Street
January 1, 2012
John Diehl
Lifting The Cloud Over Annuities Anyone who sells annuities knows two things to be true: annuities can deliver significant value to clients and they are also one of the most misunderstood financial products on the market. mark for My Articles similar articles
Financial Advisor
November 2011
Alan Lavine
Finding A Floor Annuities gain traction in a world of low returns. mark for My Articles similar articles
Registered Rep.
June 17, 2014
Alan Lavine
Who Should Buy an Income Annuity? Pre-retirees looking to secure future income might be attracted to deferred income annuities, and indeed sales of the policies are accelerating. mark for My Articles similar articles
The Motley Fool
October 24, 2006
Dan Caplinger
Get Income for Life: Part 2 Today's retirees can look forward to longer lives than their parents and grandparents enjoyed. With that longer lifespan, however, comes the need to save more. Different types of annuities offer different benefits and pitfalls. mark for My Articles similar articles
Registered Rep.
April 15, 2014
Alan Lavine
Rethinking the Need for Immediate Annuities With today's low interest rates, immediate annuities may serve as a good proxy for bonds in older clients' investment portfolios. mark for My Articles similar articles
Financial Advisor
November 2011
Jim Frederick
Building A Moat Advisors give longevity insurance another look as clients face longer life spans and financial anxiety. mark for My Articles similar articles
Financial Advisor
May 2012
Alan Lavine
Sudden Impact How can advisors minimize the effect of large losses in a retirement portfolio just when clients want to begin withdrawals? mark for My Articles similar articles
Financial Advisor
February 2005
Tracey Longo
Guarantees Spur Income Variable Annuities Sales Burgeoning investor interest in guaranteeing some part of their retirement income, especially in this era of diminishing pensions, is spurring more companies to develop a host of new variable products and features. mark for My Articles similar articles
Investment Advisor
August 2009
Melanie Waddell
More Annuities Used in Income Portfolios Advisors are increasingly turning to annuities to help cover their clients' basic needs in retirement. mark for My Articles similar articles
Registered Rep.
July 1, 2004
Stan Luxenberg
The Problem With a Long Life Academics are stepping forward, seeking to describe portfolios that will produce maximum returns while ensuring that retirees don't outlive their assets mark for My Articles similar articles
The Motley Fool
February 24, 2004
J. Graham
Beware of Brokers Bearing Annuities Annuities may sound good, but their costs overwhelm their benefits. Stockbrokers and financial advisors love to sell annuities because of the high commissions they reap. My ex-broker sold one to me, and it has proven to be the most restrictive, highest-cost, least-liquid, and poorest-performing investment in my portfolio. mark for My Articles similar articles
On Wall Street
September 1, 2010
Matthew Leung
Here Today, Here Tomorrow - New Sources Of Income For Retirement It's official. Pensions and social security are no longer viewed as the primary sources of retirement income. mark for My Articles similar articles
Registered Rep.
October 1, 2002
Pamela J. Black
The Pros and Cons of Annuities With retirement accounts battered by the bear market, guaranteed income from a fixed annuity now has more appeal, especially for clients who may be too close to retirement to count on a rebound from equity markets alone. This article surveys types of annuities, tax implications, and fees. mark for My Articles similar articles
Investment Advisor
July 2008
Melanie Waddell
Drivers of Annuity Sales Assets in annuities will jump to $2.9 trillion by 2012 -- a compound annual growth rate of 7.9% -- sparked by demographic trends and product development that addresses both guaranteed income and principal protection. mark for My Articles similar articles
Financial Advisor
May 2008
Tracey Longo
Living Long, Living Well A handful of insurers and advisors have been touting "longevity insurance" for several years now -- an income annuity-based product they hoped would catch fire with retirees frightened of going broke. mark for My Articles similar articles
Financial Advisor
August 2010
Alan Lavine
A Good Fit Immediate annuities fit well in retirement income plans. mark for My Articles similar articles
Financial Planning
August 1, 2010
Paul Menchaca
Annuities From Bust to Boom With roughly 76 million baby boomers set to retire, the insurance industry could be poised to significantly grow its annuity market. mark for My Articles similar articles
The Motley Fool
July 25, 2007
Buz Livingston
Beware of Brokers Bearing Annuities Be careful, be very careful, when listening to sales pitches from insurance agents promoting retirement planning. Big commissions and poor performance can cost you. mark for My Articles similar articles
Financial Planning
February 1, 2008
Donald Jay Korn
Immediate Gratification New studies show that Immediate annuities add both income and stability to a retirement portfolio. mark for My Articles similar articles
Registered Rep.
November 14, 2014
Kevin McKinley
Tapping Annuities for an Early Retirement Annuities can offer nearly unlimited savings potential and unique benefits that can pique the interest of would-be early retirees. mark for My Articles similar articles
Registered Rep.
August 12, 2011
Diana Britton
Retirement Income Fever The industry has responded to the great wave of retirees that has just begun with an increased focus on creating retirement income streams -- successfully. It's always a tough feat, what with expanding life expectancies and estimating health care needs far out in the future. mark for My Articles similar articles
Investment Advisor
November 2007
Melanie Waddell
New Options in 401(k)s Immediate annuities and longevity insurance help tackle retirees' income conundrum. mark for My Articles similar articles
Registered Rep.
November 16, 2010
Alan Lavine
Growth Opportunities: Immediate Annuities And Qualified Retirement Plans There's a window of opportunity for financial advisors to build business: They can use annuities available in 401k plans to help workers with their post-retirement income. mark for My Articles similar articles
Financial Planning
September 1, 2008
Stacy Schultz
Are the Times Changing? A new study shows that 75% of advisors say they provide a written plan for their clients' retirement planning. Read on to see more specifically what they are doing. mark for My Articles similar articles
Financial Advisor
November 2006
Mary Rowland
The Future Is Immediate Annuities Forget plastics and hedge funds. Clients sleep better with a steady income. Financial advisors know about immediate annuities. But do you use them? mark for My Articles similar articles
The Motley Fool
October 24, 2006
Dan Caplinger
Get Income for Life Today's retirees can look forward to longer lives than their parents and grandparents enjoyed. With that longer lifespan, however, comes the need to save more to last throughout a longer retirement. Immediate annuities can reduce longevity risk, but be aware of costs. mark for My Articles similar articles
Financial Planning
May 1, 2011
Donald Jay Korn
Nice Niche Two product lines in the fixed annuity category set sales records in 2010. Index annuities (up 6%) and immediate annuities (up 2%) both recorded modest increases over 2009, but they did reach the highest levels on record, according to Beacon Research in Evanston, Ill. mark for My Articles similar articles
Financial Planning
October 2, 2007
Elizabeth O'Brien
White Paper - A Balancing Act When constructing a retirement income solution, advisors must weigh subjective factors such as the client's individual risk tolerance and the desire to leave assets to heirs. mark for My Articles similar articles
Financial Advisor
September 2007
Alan Lavine
Looking For Certainty Sponsors of 401(k) and 403(b) plans want employees to draw a stable source of retirement income from them. But it's a daunting task to manage a portfolio of mutual funds while withdrawing money, based on government-mandated minimum distribution rules. A few plan sponsors already have begun adding income replacement funds to solve this problem. mark for My Articles similar articles
Registered Rep.
June 13, 2011
Mark Miller
Insure Against Longevity Risk with Immediate Annuities There are signs that the SPIA is poised to play an even larger role in the retirement landscape. mark for My Articles similar articles
Investment Advisor
March 2008
Melanie Waddell
Sweetening the Pot A new report has found that adding a variable annuity with a lifetime guaranteed minimum withdrawal benefit rider to a traditional stock and bond retirement portfolio can increase income while decreasing income risk. mark for My Articles similar articles
U.S. Banker
December 2005
Investment products: Index-Rate Annuity Sales Surge at Banks Nationwide A once-obscure product, the equity-indexed annuity, is climbing steadily in popularity -- representing a major sales opportunity for banks -- thanks to its higher recent returns than the traditional fixed annuity. mark for My Articles similar articles
Financial Planning
June 1, 2009
Dave Lindorff
Annuity Ladders People facing retirement want guaranteed income, and they also want liquidity, so purchasing annuities over a period of time, even into retirement, makes sense. mark for My Articles similar articles
Financial Advisor
September 2012
Alan Lavine
The Price Of Old Age Longevity insurance may appeal to some clients who want guaranteed income late in life. mark for My Articles similar articles
Financial Planning
February 1, 2007
Len Reinhart
Longevity Insurance Wealthy baby boomers fear outliving their money, but they want more than immediate annuities. For financial advisors, there are three action points to follow to help ensure your clients' peace of mind. mark for My Articles similar articles
Financial Advisor
June 2007
Thomas Scott
What An Airline Crash Taught Me About Retirement Planning It doesn't take a catastrophic crash to cause significant injuries, in an airliner or in a retirement plan. As advisors, how can we best assure our clients will have an adequate income stream for their lifetimes? mark for My Articles similar articles
The Motley Fool
January 2, 2009
Dan Caplinger
How to Never Run Out of Money A relatively new twist on a traditional insurance product promises some relief for those looking to protect themselves from outliving their retirement savings -- but is it the best option for you? mark for My Articles similar articles
Registered Rep.
June 7, 2012
Mark Miller
Who's Got the Best Annuity Deal in Town? It may surprise you, but "buying" Social Security's annuity by delaying withdrawals and living on other assets best enhances overall retirement income. mark for My Articles similar articles
The Motley Fool
June 3, 2010
John Rosevear
Is This the Lamest Investment Ever? Annuity sales are on the rise. Should you consider one? mark for My Articles similar articles
Registered Rep.
January 1, 2007
Kevin McKinley
Immediate Annuities Equal Tax Rewards Thanks to a quirk in the tax code, using an immediate annuity may give your clients both higher income and lower taxes -- catapulting the after-tax return on an immediate annuity well beyond what is offered by other conservative fixed-income investments. mark for My Articles similar articles
Registered Rep.
June 21, 2011
Alan Lavine
A Good Match: Managed Payout Funds and Annuities Combining a managed payout mutual fund with a deferred immediate annuity may be a simple way to help clients plan for retirement. mark for My Articles similar articles
Registered Rep.
January 15, 2013
Alan Lavine
Solving the Riddle of the Immediate Annuity Clients torn between leaving money to heirs or buying an immediate annuity? Here's how to help them decide. mark for My Articles similar articles
Investment Advisor
October 2010
Victor Connor
Annuities: A Better Answer Than Social Security The biggest fear of all retirees is running out of money before they run out of life. mark for My Articles similar articles
Financial Planning
December 1, 2007
Ilana Polyak
Annuities, Revisited Financial advisors who once sneered at annuities are now realizing that they could be a magic bullet. mark for My Articles similar articles
Financial Advisor
May 2010
Alan Lavine
Sizing Up Annuities In the wake of the recent financial meltdown, the income guarantees offered by annuities have become quite attractive. The payouts are appealing, but do your homework. mark for My Articles similar articles
Registered Rep.
February 8, 2013
Mark Miller
What's a Safe Withdrawal Rate in Retirement? For years, the rule-of-thumb answer has been 4 percent, adjusted annually for inflation. But a growing number of financial planning experts are re-thinking that number. mark for My Articles similar articles
Investment Advisor
March 2010
Melanie Waddell
Cover Story: Custom Job All signs point to 2010 as the year in which many substantive retirement planning reforms will either be cemented or set into motion by Congress and the Obama Administration. mark for My Articles similar articles
Investment Advisor
June 2010
Marlene Y. Satter
Insurance Update: Easy Monthly Payments (for Retirement) Nationwide's suggestions for retirement income: annuities in 401(k) plans. mark for My Articles similar articles