Optional Death Benefits Broaden Investment-Only VAs' Surge
Unlike sales of most other variable annuities, IOVAs are gaining steam, and some have optional death benefits.
The Costs and Benefits of LTC Hybrids
The market for “hybrid” long-term care insurance products has been flooded as premium costs have soared.
Final DOL Rule Could Place Indexed Annuities Under Variable Umbrella
Advisors should thus ensure that sales practices comply with the rules.
Managing the Variables in a Variable Annuity Exchange
A variable annuity exchange is typically tax-free but hidden risks exist, and watch for the DOL fiduciary rule’s take on VA sales.
The Inherited Roth Rollover: How to Avoid Unpleasant Surprises
The rules on rolling over inherited retirement funds into an inherited Roth IRA are complicated, lawyers Robert Bloink and William Byrnes warn.
QLACs Can Simplify the Retirement Income Planning Game
Qualified longevity annuity contracts (QLACs) can play an important role for middle-market clients in retirement income planning.
RMDs From Client IRAs: An Unconventional ESA Funding Tool
Required minimum distributions can seem like a burden to some clients by increasing their tax liability. One solution: funneling RMDs into an education savings account.
Maximizing Retirement Benefits of Spousal IRAs for Non-Working Spouses
Retirement income planning for non-working client spouses can be more involved, but done right, a spousal IRA benefits both spouses.
Court Clears Path for Medicaid-Compliant Short-Term Annuities
An appeals court ruling provides some clarity on when short-term annuities can be used for long-term care expenses.
Roth IRA Conversions: Silver Lining to Market Downturns
Paying attention to market swings can allow your clients to take advantage of benefits that, in some cases, can only be produced by careful timing.