How to Sell Fixed Indexed Annuities Under DOL Fiduciary Rule
Sales — even recommendations — of fixed indexed annuity products makes an advisor subject to the new fiduciary rule.
When Clients Divorce: Avoiding the Retirement Income Trap
Retirement income planning’s complications are magnified by divorce. A qualified domestic relations order (QDRO) is often a necessity.
Do Conflicts of Interest Affect the Value of Financial Advice?
When they understand the difference, most clients will happily pay a bit more for advice that’s in their best interest. Who wouldn’t?
Medicare Deferrers Can Reap Big Benefits
While not every client will be eligible for delaying enrollment in all parts of Medicare, the financial benefits of delaying enrollment can be substantial.
Social Security or Savings? Um. Try a Little of Both.
Proposed: If Americans can’t manage to save enough for retirement, the government must step in. Discuss.
Don't Let BICE Hubbub Drown Out Burden of DOL Best Interest Standard
While the burdens of BICE are substantial, many people are overlooking the equally significant impact of the best interest standard, ERISA lawyer Fred Reish writes.
DOL Fiduciary Rule Highlights HSA Retirement Income Value
Putting HSA advisors under the fiduciary rule umbrella is the DOL’s acknowledgement of an important alternative use for HSAs in retirement income planning.
Retirement Income Planning for Kids
The benefits of opening an IRA or Roth IRA for a minor child can be substantial for both the child and the entire family.
Traditional vs. Roth IRA, Pt. 3: The Conclusion
I used to believe the Roth was best, especially for younger investors. After a thorough examination, I have a very different opinion.
Indexed Annuities Run Afoul of DOL Fiduciary Rule
One change in the final DOL rule: Like variable annuities, fixed indexed annuities will need a BICE.