2019 2nd Quarter Issue – InFRE’s free retirement newsletter – 1.0 CE credit

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The quarterly newsletter from the International Foundation for Retirement Education’s to help retirement professionals keep abreast of what’s happening in the field of retirement readiness, counseling, planning and income management.

In this retirement-specific newsletter, planners will learn about:

  1. “Behavioral Finance: Why Do We Do the Things We Do” by Michael Wilson, CFP®, CRC®, RICP®, Integrity Financial Planning. We all know there are certain things we should do, like eat right, exercise, get plenty of sleep, etc. The same is true for retirement saving: we all know we should be saving now for an unknown period of time in retirement.
  2. “The Value of Safe Home Care” by Phil Bongiorno, Executive Director at Home Care Association of America. The number of families utilizing home care services continues to grow in the United States.  A higher number of family caregivers who are caring for a loved one with a chronic or debilitating health condition are turning to home care, rather than institutional care, for their long-term care needs.
  3. “Which Annuities Offer the Best Inflation Protection?” by Joe Tomlinson, FSA, MAAA. Recent articles in Advisor Perspectives by David Blanchett and by Zvi Bodie and Dirk Cotton have dealt with single-premium immediate annuities (SPIAs) used to generate lifetime income in retirement. The focus of those articles was the pricing and the risks of going without inflation protection. In addition to SPIAs, insurers also offer variable annuities (VAs) and fixed-indexed annuities (FIAs) with optional riders known as guaranteed lifetime withdrawal benefits (GLWBs).

The articles below comprise the 2019 2nd Qtr Issue of Retirement Insight and Trends. Click on the links below to read each article online separately, or click here to view and print the issue in its entirety.

Follow the link at the end to access the quiz, and upon passing with 70% or greater you may receive 1.0 hour of CFP®, CRC®, ASPPA, CLU®, ChFC®, CASL and other CE credit!

 

Welcome to InFRE’s June, 2019 Issue of Retirement Insight and Trends

on June 30, 2019

Retirement InSight and Trends is the quarterly newsletter for the International Foundation for Retirement Education’s Certified Retirement Counselors® (CRC®s) to help retirement professionals with the practical application of new retirement readiness, counseling, planning and income management concepts for the mid-market. Find out more about the CRC® here and […]
Continue Reading this issue of Retirement Insight and Trends here→


 

Behavioral Finance: Why Do We Do the Things We Do

on June 30, 2019

By Michael Wilson, CFP®, CRC®, RICP®, Integrity Financial Planning

We all know there are certain things we should do, like eat right, exercise, get plenty of sleep, etc. The same is true for retirement saving: we all know we should be saving now for an unknown period of time in retirement.

Multiple studies and surveys have indicated how woefully inadequate average retirement savings are. But head knowledge doesn’t always translate into action, into current behavior. What’s the disconnect? Why aren’t knowledge and education enough to move us to do the “right thing” now?

This article will examine several behavioral mental traps, or biases, that can help (or hinder) our ability to save for retirement, as well as suggest ideas for putting these biases to work in a positive way. […]
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The Value of Safe Home Care

on June 30, 2019

By Phil Bongiorno, Executive Director at Home Care Association of America

The number of families utilizing home care services continues to grow in the United States.  A higher number of family caregivers who are caring for a loved one with a chronic or debilitating health condition are turning to home care, rather than institutional care, for their long-term care needs. Many cite the desire for a higher quality of life and independence as the reasons for the choice of care at home. Most of this care is paid for using available disposable income.

Faced with a bewildering number of choices, family caregivers more and more are turning to companies that offer them the least expensive price for care without understanding the implications of their choice. Many are hiring workers from entities that do not employ or supervise their workers but merely “place” them in home care settings.

This article will provide ways to help you understand the differences in home care service models, reinforce the value of quality home care with your respective clients and assist in determining quality and value of home care providers.[…]
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Which Annuities Offer the Best Inflation Protection?

on June 30, 2019

By Joe Tomlinson, FSA, MAAA

Recent articles in Advisor Perspectives by David Blanchett and by Zvi Bodie and Dirk Cotton have dealt with single-premium immediate annuities (SPIAs) used to generate lifetime income in retirement. The focus of those articles was the pricing and the risks of going without inflation protection. In addition to SPIAs, insurers also offer variable annuities (VAs) and fixed-indexed annuities (FIAs) with optional riders known as guaranteed lifetime withdrawal benefits (GLWBs). I’ll expand on the recent articles by comparing the income-generating properties of SPIAs versus VAs and FIAs, and place particular emphasis on how inflation risk impacts inflation-adjusted income. […]
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Earn 1 free Continuing Education (CE) credit for the June, 2019 Issue of InFRE’s Retirement InSight and Trends

on June 30, 2019

You can earn 1 CRC®, CFP®, ASPPA, and the American College’s Professional Recertification Program (CLU®, ChFC®, CASL) CE credit for the June, 2019 issue of Retirement InSight and Trends.
Click here to access the quiz.
When you have completed the last question, click the “submit” button to submit your final answers. You may not return to review or change your answers after clicking submit or if you close the browser window. You may restart the quiz if needed.
A score of 70% is required to pass the quiz and earn CE credit. You will see your score on your screen upon submitting your answers. An email will automatically be sent to you for your records as proof of successful completion. […]
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