Are IOVAs the Future of Variable Annuities?
While VA sales have slumped, one type attracts clients who are set on increasing tax-deferred savings in pre-retirement years.
The wildcard of retirement planning: health care expenses
If you’re not now accounting for health care expenses in your retirement planning recommendations, you should be, says Edward Jones' Scott Thoma.
Who’s Tracking IRA Basis? Enter the Advisor
Rollovers, conversions, nondeductible contributions and inherited accounts can all impact how distributions are taxed.
Retirement Planning's Hard Reality: Savings Trump Returns
Sorry, but pipe dreams and unicorns don’t actually exist, although the lottery is an option. I’m kidding about the lottery part.
Finding flexibility with retirement income planning software
Current RIP software gives advisors more planning flexibility and does a much better job at handling real-life complexity.
Why you should use FIAs in retirement income planning
While advisors and FIA buyers often focus on the product’s features during the accumulation phase, FIAs can also play an important role in retirement income planning.
Advisors sidestepping annuities in retirement planning
The survey points to a lack of knowledge among advisors about the “more robust features” available in annuities.
Confirmed: No Inflation Means No Social Security COLA; Medicare Premiums to Surge for Some
Drop in CPI confirms Social Security beneficiaries will see no benefit increase, again, while upper-income recipients will see big jump in Part B premiums.
IUL: A Nontraditional Way to Allocate Retirement Assets
Indexed universal life insurance (IUL) can combine the risk protection elements of bonds with equity market participation and access to tax-free cash later in retirement.
Retirement: Moving from model to plan
A benefit of the growing interest in retirement income planning is the growth in sustainable distribution research.