Archive for Retirement Investing and Investments

Making Retirement Sustainable: Revisiting the Role that Income Annuities Can Play (2015)

Editor’s note: We obtained permission from CANNEX to reprint their 2015 research paper that explains the math behind how annuitizing a portion of assets benefits a client’s retirement income and legacy. This paper builds on a 2002 paper by Ameriks et al that showed the effects of annuitizating 0%, 25% and 50% of a portfolio. […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments, Uncategorized

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Everything You Need to Know About … Investing

By Michael Falk, CFA, CRC®, Focus Financial Consulting Behavior is more important than your investments, and behavior is about the choices that you make. That is the actual manifestation of your behavior. We need to understand risk, sequence, and magnitude. These three terms are what do a fantastic job of pushing and pulling on our […]

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Understanding How Different Types of Annuities Work

By Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income for the American College of Financial Services Understanding how annuities work is the crucial first step towards subsequently then exploring the potential role they have in a financial plan. This article is based on material for my new book, “Safety First Retirement Planning,” available through […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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Reverse Mortgage for Purchase: Helping Seniors Buy a Right-Size Home with the Right Tool

By Allen Chao, Senior Account Executive at Longbridge Financial The reverse mortgage program is a multi-faceted tool.  As a lender is, we qualify your clients for the most amount of money that they can get. For a traditional reverse mortgage you can divide that money up such as a credit line that you can tap […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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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 […]

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How to Make Your Clients’ Money Last Longer with Withdrawal Sequence Strategies

By William Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc. Social Security planning is very technical. I’m proud that the software we have built based on our research is nation-leading. We were just ranked as the No. 1 Social Security analyzer in America. Our second software, Income Solver, will show you at the press […]

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Integrating Home Equity and Retirement Savings Through the “Rule of 30”

By Peter Neuwirth, FSA, FCA, and Barry Sacks, PhD, JD Up until 2012, many efforts had been focusing on ways either to boost the accumulation or to maximize the investment returns during the accumulation phase and even potentially after the drawdown period, but there has not been much attention spent on exactly how a retiree […]

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The Holy Grail of Retirement: How to increase income and growth while improving liquidity

By Curtis V. Cloke, CLTC, LUTCF, RICP®, Founder of Thrive Income Distribution System, LLC There is a bridge in Honduras where no roads lead to it, and there’s no river running under it. A cyclone came through that was so severe that it took out all the roads that led to the bridge. It also […]

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Posted in: PROVIDE Retirement Income, Retirement Income Management, Retirement Investing and Investments

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How to Use Reverse Mortgages to Secure Your Retirement

By Wade Pfau, Ph.D., CFA, author of academic retirement research with practical application, RetirementReseacher.com A lot of advisors did their due diligence about reverse mortgages in the past. But the research and the public policy changes over the past few years indicate that reverse mortgages can be a valuable tool in a retirement income plan […]

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Housing Wealth: A Retirement Asset for the Middle Market

By Shelley Giordano, Chair of the Funding Longevity Task Force Editor’s Note: Below is an adaptation of the live webinar delivered by Shelley Giordano in 2016. Her comments have been edited for clarity and length. You can read the summary article below as part of the 3rd Qtr 2016 Retirement InSight and Trends Newsletter. You […]

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No Portfolio is an Island

By David Blanchett, CFA, CFP®, AIFA® – Head of Retirement Research, Morningstar Editor’s note: This presentation was delivered in live webinar format in 2016. David’s comments have been edited for clarity and length. You can view a YouTube brief of the original presentation here. You may also choose to take the full length course to […]

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Housing for Retirees: Buy, Sell or Hold?

By Michael Falk, CFA, CRC®, Focus Financial Consulting Editor’s note: Below is an adaptation of the live webinar delivered by Michael Falk in 2016. Michael’s comments have been edited for clarity and length. You can view a short YouTube clip of the original presentation here. You may also choose to take the full length course, […]

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What Advisors Need to Know About Qualified Longevity Annuity Contracts

by  Gary Baker, President, U.S. Division at CANNEX Financial Exchanges and Curtis Cloke, CLTC, LUTCF, RICP Editor’s note: This presentation was delivered in live webinar format in 2015. Gary’s and Curtis’ comments below have been edited for clarity and length. You can view a YouTube brief of the original presentation here. You may also choose to […]

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Estimating the True Cost of Retirement

By David Blanchett, CFA, CFP®, AIFA® – Head of Retirement Research, Morningstar Editor’s note: This presentation was delivered in live webinar format in 2015. David’s comments have been edited for clarity and length. You can view a YouTube brief of the original presentation here. You may also choose to take the full length course to earn 1 […]

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Posted in: PLAN for Retirement Readiness, PROVIDE Retirement Income, Retirement Distributions/Withdrawals, Retirement Income Planning and Spending, Retirement Investing and Investments

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The Longevity Challenge: Housing Wealth Strategies that Improve Portfolio Survival

By Bruce McPherson, CRMP Editor’s note: This presentation was delivered in live webinar format in 2015. Bruce’s comments have been edited for clarity and length. You can view a YouTube brief of the original presentation here. You may also choose to take the full length course and earn 1 CRC®, CFP®, and/or PACE CE credit. A […]

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IRS Issues Final Regulations on Longevity Annuities in Individual Account Plans

By Lisa A. Scalia, CPC, QPFC, QPA, QKA Joanne Jacobson, JD, LLM Marjorie Martin, EA, MAAA, MSPA From the Knowledge Resource Center of Buck Consultants Effective July 2, 2014, deferred annuities that meet the criteria for a qualifying longevity annuity contract can be excluded from participant account balances when calculating required minimum distributions. This will […]

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Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals, Retirement Investing and Investments

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Investing in Bonds in a Rising Rate Environment

By Greg Prost, CFA, Chief Investment Officer, Ambassador Capital Management   Editor’s note:  What I haven’t been seeing at the national retirement conferences recently is how the Fed was going to bring us out of these historically low interest rates without putting a damper on economic activity and prolonging the slow recovery that we’ve been experiencing […]

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Enough About the Assets, Already!

By Michael Falk, CFA, CRC®, Focus Financial Consulting Editor’s note: Below is an adaptation of the live webinar delivered by Michael Falk in 2014. Michael’s comments have been edited for clarity and length. You can view a short YouTube clip of the original presentation here. You may also view the accompanying presentation in its entirety and […]

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Posted in: PROVIDE Retirement Income, Retirement Income Planning and Spending, Retirement Investing and Investments

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Standby Reverse Mortgages for Managing Retirement Income Risks

By John Salter, PhD, CFP®, AIFA®, Associate Professor, Personal Financial Planning, Texas Tech University Editor’s note: Many retirement professionals are concerned about the retirement security of the mid-market. Home equity is the average retiree’s second largest household asset behind their Social Security benefits –  not only for the middle mass market, but most of the […]

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From Buyer Beware to Buyer Aware: Evaluating Guaranteed Income Solutions in DC Plans

Editor’s note: also see this issue’s other article on retirement income options in employer-sponsored defined contribution plans In-plan guaranteed income solutions can help defined contribution (DC) plan participants mitigate their longevity risk. Yet because the available solutions can differ on several dimensions, they are hard to compare. We hear statements such as “XYZ is illiquid, […]

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Posted in: PROVIDE Retirement Income, Public Sector Plans, Retirement Investing and Investments, Retirement Plan Administration

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How We Sell – and Why We Fail to Sell – Annuities

By Chuck Yanikoski, Founder and President of StillRiver Retirement Planning Software, Inc. Editor’s note: Chuck Yanikoski has contributed this and other articles to Retirement Insight and Trends. You can view a YouTube brief of one of Chuck’s presentations here. You may also choose to take the full length course of one of his presentations to […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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How Important is Asset Allocation to Retirement Security?

Center for Retirement Research Issues Brief, June 2012, Number 12-11 By Alicia H. Munnell, Natalia Sergeyevna Orlova, and Anthony Webb* Introduction Financial planners devote considerable energy to advising Americans how to invest their retirement savings. Of course, wise investment of one’s hard-earned money is important. But the fact is that many Americans have saved very […]

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Posted in: PROVIDE Retirement Income, Retirement Income Planning and Spending, Retirement Investing and Investments

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How Well are Reverse Mortgages Meeting the Needs of the Mid-market?

By Betty Meredith, CFA®, CFP®, CRC® For the average mid-market American, home equity is their largest household asset. As retirement counselors, we need to understand options for helping retired clients appropriately use their home equity if their economic situation requires it, such as selling their home/downsizing if access to their equity isn’t feasible, or alternatives if they […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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Can Annuity Purchase Intentions Be Influenced?

The findings in this study are applicable to not only purchase of annuities, but all financial products as well. The more effectively we as professional retirement counselors frame the education and guidance we give consumers and employees, the more receptive, desirous and confident consumers and employees will be to take steps to improve their retirement […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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Retirement Rants

This is the first of what may become a regular column on issues we all deal with regarding retirement plans.  So why rants?  Among all the products, people, regulations and results, we all have a few issues to rant about! The goal of this column is not simply for me to shout, but rather to […]

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Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals, Retirement Income Planning and Spending, Retirement Investing and Investments

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