Understanding How Different Types of Annuities Work

On January 20, 2020

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 […]

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How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies

On June 30, 2018

By Wade Pfau, Ph.D., CFA, author of academic retirement research with practical application, RetirementReseacher.com

There are two schools of thought regarding retirement – probability based and safety first – that really approach retirement income from fundamentally different perspectives. […]

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Welcome to InFRE’s April, 2017 Issue of Retirement Insight and Trends

On April 11, 2017

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® and

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How to Use Reverse Mortgages to Secure Your Retirement

On April 11, 2017

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 […]

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No Portfolio is an Island

On April 30, 2016

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.

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The 4% Rule is Not Safe in a Low-Yield World

On June 10, 2013

by Michael Finke, Ph.D., CFP®, Wade D. Pfau, Ph.D., CFA, David M. Blanchett, CFA, CFP®

Editor’s Note:  I have been concerned for several years about the effect of low interest rates on retirees and what will happen to their bond investments once interest rates are not artificially suppressed.  I’ve also long held that the 4% rule is not […]

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