Deferred Income Annuities: More Than Just Longevity Insurance
Many clients continue to view deferred income annuities only as longevity insurance, but this common view has become more and more inaccurate.
Qualifying 401(k) Dollars for Stretch IRA Treatment
Stretch IRAs can allow beneficiaries to stretch tax-deferral benefits for years after the original owner’s death, but beware of the potential tax hit.
Indexed Annuities Meet GLWBs. The Perfect Product?
When it's available, two-thirds of indexed annuity buyers add a GLWB rider, even though it may not be appropriate for all clients.
HSAs: An Unconventional Retirement Income Planning Tool
The health savings account can actually function as a powerful retirement income planning vehicle for clients looking to supplement their retirement savings.
Annuities + LTC: Does the Rider Fit?
For the right client, combining LTC insurance with an annuity can be the right call to protect against future long-term care expenses.
401(k) vs. IRA: The Real Roth Conversion Question
Moving traditional retirement funds into a Roth account may seem like a no-brainer for many clients, but whether to use a Roth IRA or Roth 401(k) can have potentially significant repercussions.
Annuities as an RMD Answer
Combining a fixed income annuity product with an IRA can help solve, and simplify, a client’s required minimum distribution compliance.
Making the Annuity Fit: IVAs vs. Structured Annuities
If understood and then used properly, indexed variable annuities and structured annuities can perform a significant role in a client’s portfolio.
10 Things to Know About How Investments Are Taxed
Among the investment products advisors recommend to their clients, mutual funds and ETFs top the list, so it's vital to understand their tax implications.
Modified Endowment Contracts’ Role in Estate, Post-Retirement Planning
Don’t dismiss modified endowment contracts (MECs), despite their tax consequences, for the role they can play in estate and post-retirement health care planning.