We were proud to have our CEO and co-founder David Stone, join a panel discussion on “Leveraging Technology to Drive Advisor Success” at this year’s conference. As wealth management evolves, Independent RIAs are using technology to improve client experiences and financial planning. The panel discussed tools like AI, insurance, and retirement solutions that help advisors...Continue Reading
San Francisco, CA – November 16, 2023 – Luma Financial Technologies (“Luma”), an award-winning global independent alternative investment platform, announced today their partnership with RetireOne®, the leading independent platform for fee-based insurance solutions. Luma’s innovative platform will now integrate RetireOne’s fiduciary marketplace of commission-free annuity and insurance solutions, providing non-insurance licensed Registered Investment Advisors (RIAs)...Continue Reading
To serve the growing fiduciary movement, a relatively new service model has sprung up: Outsourced Insurance Desks (OIDs). OIDs help RIA firms broaden their holistic offerings to include annuities and insurance regardless of whether the IARs at the firm are insurance licensed or registered with FINRA. They also help RIA firms manage risk in two...Continue Reading
Featuring Melissa Smith-White RIA firms whose growth strategies include recruiting advisors from the wirehouses and regional broker dealers face a highly competitive landscape. But that’s not the only challenge. Making the move to fiduciary is a huge decision with potential risks for the advisors they are recruiting. The prospect of losing client assets during the...Continue Reading
Impacts of inflation, geopolitical instability, and healthcare costs on retirement portfolios may be fueling client curiosity about how to protect income in retirement. San Francisco, CA – September 27, 2023 – RetireOne, the leading independent platform for fee-based insurance solutions, in partnership with Allianz Life Insurance Company of North America (Allianz) released their joint 2023...Continue Reading
As “Peak 65” approaches, client concerns over retirement may be fueling curiosity about how to protect income in retirement Inflation, geopolitical instability, and rising healthcare costs continue to have significant impacts on those in or approaching retirement, and RIAs say clients are understandably nervous. According to our joint RetireOne and Allianz 2023 RIA Protected Accumulation...Continue Reading
Retirement planning experts testing the viability of traditional methods of decumulation, like the 4% rule, often uncover weaknesses. Take Michael Finke, PhD’s “The 4 Percent Rule Is Not Safe in a Low-Yield World,” from 2013, for example. It isn’t surprising. When treasury yields are high, “safety” may be easier to find. After all, markets are...Continue Reading
Earlier this year, actuarial company Milliman discontinued more than two dozen buffered funds, due in part to difficulties with the traditional variable annuity market. RetireOne CEO and co-founder David Stone explains that this decision is likely the result of issues with scale. “It’s hard to see a pathway to growth for a Milliman… [it isn’t]...Continue Reading
Study analyzes how CDAs fit the RIA business model and the potential economic benefit of complementing a safe withdrawal strategy with portfolio income insurance San Francisco, CA – June 13, 2023 – RetireOne® today released a new study from Michelle Richter-Gordon, AIF®: “The Net Economic Benefit of Wrapping Risk with a Contingent Deferred Annuity.” The...Continue Reading
In her white paper “The Net Economic Benefit of Wrapping Risk with a Contingent Deferred Annuity,” Michelle Richter-Gordon, AIF® analyzes how unbundling the insurance component from underlying investments allows contingent deferred annuities (CDAs) to more effectively meet the needs of RIAs and their clients. In the context of income planning goals and needs, Michelle shines a...Continue Reading
