4 Truths About Annuities That Your Clients May Not Know

posted in Annuity Aug 7, 2018


As a financial advisor, you’ve likely talked to many clients about annuities and how they could play a beneficial role in an individual’s overall retirement income strategy. It’s also possible that you may have met with some objections or needed to provide some clarity around annuity perceptions and reality.

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How Guaranteed Income Influences Clients’ Satisfaction in Retirement

posted in Retirement, Annuity Jul 10, 2018


Saving and retirement. The two are inextricably linked in the majority of your clients’ minds. As their advisor, you may have even encouraged this practice while they were accumulating wealth and investing it in their futures.

Now those same clients are retired, and hesitant to spend the savings they put aside for their golden years. Why?

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How to Help Clients Who Live Paycheck-to-Paycheck Save for Retirement

posted in Annuity, Retirement Jun 26, 2018


Most Americans are acutely aware of their financial situations. A recent CareerBuilder poll reflects that 78% of full-time workers — including some who make $100,000+ annually — live paycheck to paycheck in order to make ends meet1. At least 71% of those polled admit to being in debt, with a nearly even split in how that debt is viewed. 46% find it manageable, and 56% state they’re in over their heads2.

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It’s National Annuity Awareness Month: Pass it on!

posted in Annuity, Client Relationships Jun 19, 2018


National Annuity Awareness month is a great time to introduce and discuss the overall benefits of annuities to your clients.

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How Risk Aversion Impacts Wealth Management

posted in Cautious Investors, Annuity, Risk Tolerance May 22, 2018


The quarterly Retirement Readiness Index (RRI), which accompanied the latest Retirement Advisor Confidence Index (RACI) from Financial Planning, reflects that investors were significantly more risk averse in the first quarter of 2018 than in the 12 months prior:

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Staying in the Workforce: A Backup Plan for Retirement?

posted in Annuity, Retirement Nov 14, 2017


Years ago, Social Security and defined benefit pensions made up a significant chunk of retirees’ incomes, but the percentage has been getting smaller over the years. Today, retirees often must identify other forms of income during retirement in order to minimize the risk that they’ll outlive their resources.

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The History and Evolving Relevance of the 12b-1 Fee

posted in Retirement, Annuity Oct 31, 2017



As potential Department of Labor (DOL) rulings regarding fiduciary responsibilities of financial advisors loom, many are taking a closer look at how to be even more transparent with their clients about transactions, especially as it relates to fees. One such charge under scrutiny is the 12b-1 fee.

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Can an Annuity Serve the Same Purpose as a Pension?

posted in Annuity, Retirement Sep 5, 2017


If your client’s employer offers a pension plan, he or she should consider themselves among the few and fortunate. There’s been a steep decline in recent years, with the number of Fortune 500 companies that offer pension plans dropping from 48% in 2005 to a meager 20% just ten years later.1

Even for those who do have a pension, the payout of those plans could be in question. More than 1 million working and retired Americans are covered by pension plans that are in imminent danger of insolvency, with some being designated as being in “critical and declining status.”2

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S&P Weighs in on Variable Annuities with Risk Control

posted in Annuity Jun 27, 2017


The S&P Dow Jones Indices investigated the impact of adding a risk control mechanism to an investor’s portfolio mix, and it led to some interesting findings.

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Floor Annuities — the Trade-off for Protection

posted in Annuity May 30, 2017


The U.S. economic scene demonstrated weak growth during the first quarter of 20171, but most investors remain cautiously optimistic. Financial advisors in offices across America, however, continue to meet with extremely risk-averse clients who are worried about possible losses.

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