Dr. Wade Pfau, PhD, CFA® recently partnered with inStream to create a portfolio simulator tool that incorporates fixed indexed annuities as an asset class. The tool allows users to compare hypothetical performance of traditional portfolios against those that also include allocations to fixed indexed annuities (FIAs). In his research, Dr. Pfau deployed FIAs as a...Continue Reading
Michael Finke of the American College interviews Nobel Prize winning economist Bill Sharpe about his latest research. “Finding a Better Retirement Income Solution” examines the results of his study demonstrating the strength of annuities as retirement income solutions. Finke says Sharpe is positive about the efficiency of income annuities. Many economists agree on that point....Continue Reading
Annuities have a terrible reputation. Rather than incorporating them into retirement plans to solve specific problems for investors, some salespeople overstated their features and benefits—selling them as ‘strategies’ rather than tactics. Writing in ThinkAdvisor, RetireOne CEO David Stone says this semantic difference is important. These are complex instruments that help investors achieve important goals, but...Continue Reading
Writing in RIABiz, Oisin Breen surveys the BlackRock/Microsoft deal announced last month that aims to ‘reimagine retirement planning.’ Since tech disruptions have yet to impact annuity pricing, RetireOne CEO David Stone believes this partnership could be good news for investors…Especially as 10,000 Baby Boomers retire every day, and the need for lifetime income increases. Could...Continue Reading
Featuring Rudy Blanchard, MSM, APMA If it’s true what the Greek philosopher Epictetus said, that “Circumstances don’t make the man, they only reveal him to himself,” then it’s a safe bet Rudy Blanchard and his partner Eric Greschner were firehosed with personal insights from 2000 to 2010. Starting an RIA firm during the tech bubble...Continue Reading
Featuring Kim Spencer, CFP®, CDFA® Moving assets to fee-based structures and transitioning those clients without back-office support can be very disruptive for advisors. The shear bulk of the work can be so daunting that some things fall through the cracks. Like annuity assets. Paperwork, complexity, lack of choice in fee-based offerings—all of these factors can...Continue Reading
Midterms, oil prices, trade wars, conflict in Ukraine, and other instability made markets choppy in the fourth quarter. Research from Bespoke shows that the last three recessions (1990, 2001, 2007) followed the inversion of 3-year and 5-year treasuries by an average of 26 months. We just passed that yield curve inversion milestone. Folks may be...Continue Reading
Principal protection solution is alternative for de-risking portfolios San Francisco – November 8, 2018 – RetireOne® has teamed up with Great American Life Insurance Company® to offer the Index ProtectorSM 7 annuity to RIAs and fee-based advisors who are seeking non-correlated assets to de-risk client portfolios. With interest rates still relatively low and rising, this...Continue Reading
William Bengen’s 4% rule is approaching its 25th birthday. In the nearly three decades since his discovery of the safe withdrawal rate, much has happened. We’ve navigated the tech boom, and the housing bubble of the last decade, and are now riding a ten-year bull to new highs. Until last week!? A recent survey from...Continue Reading
Built for fee-based planning, Symetra Advisory Edge and Symetra Advisory Income Edge expand RetireOne’s principal protection offering to meet growing advisor demand San Francisco, CA and Bellevue, WA – October 30, 2018 – Symetra Life Insurance Company and RetireOne® today announced the addition of Symetra Advisory Edge and Symetra Advisory Income Edge fixed indexed annuities...Continue Reading
