In his white paper “Portfolio Income Insurance: Understanding the Benefits of a Contingent Deferred Annuity” Michael Finke, PhD examines the impact of market risk on retirement spending and how random financial returns and unknown longevity can put undue stress on retirement savings… and the retirees that spending is meant to support. In the context of...Continue Reading
Bringing more than 55 years of combined industry experience, Tom McNeela and Jeff Cusack join RetireOne as Director of Client Experience and Sr. Managing Director, Strategic Accounts, respectively. San Francisco, CA – March 28, 2022 – RetireOne®, the leading independent platform for fee-based insurance solutions, today announced the appointment of Tom McNeela and Jeff Cusack...Continue Reading
The Evolving Retirement Conversation Due to a host of conditions and a massive population of Boomers joining the ranks of the retired, we’ve been staring down the barrel of what experts believe could be a looming retirement crisis, trying to find solutions. Do we raise the retirement age? Cut Social Security benefits, or raise taxes?...Continue Reading
The human cost behind current market troubles We all know what’s happening in Eastern Europe right now. We can feel the shockwaves of it all the way over here, in the USA, and the financial industry is abuzz with predictions and speculation. Whether we’re talking about how a long-term war in Ukraine could hurt our...Continue Reading
February has been a busy month for RetireOne. There’s still plenty we’re working on that we can’t talk about yet, but one thing we can talk about is the addition of Dimensional Fund Advisors investment strategies to our contingent deferred annuity (CDA), Constance. We believe in Constance and what it can do to revolutionize the...Continue Reading
DFA’s asset allocation models and 38 Mutual Funds and ETFs are now covered by Constance: the first flat-fee, zero-commission lifetime income solution that RIAs can seamlessly integrate into client portfolios San Francisco, CA – February 15, 2022 – RetireOne®, the leading independent platform for fee-based insurance solutions, today announced they have collaborated with Dimensional Fund...Continue Reading
Have the Rules Changed? Recently Advisor Perspectives posted an advice column by Beverly Flaxington, a practice management consultant who helps financial advisors. In this particular column, she was presented with a query from an advisor, H.D., who objected to the idea that advisors must understand their clients’ goals and values to best help them achieve...Continue Reading
Investors Increasingly Drawn to Lifetime Income Thanks to Harry Markowitz’ Modern Portfolio Theory, the 60/40 portfolio has been a widely appreciated investment strategy. It makes sense. Put most of your money in stocks for growth and diversify by allocating a chunk of it to bonds for stability and protection. But we’ve been experiencing an extended...Continue Reading
The Future is Unbundled Sequence-of-return risk can play havoc with an individual investor’s retirement income. The “fragile decade” – the five years before and after retirement begins – is a uniquely volatile time in a retiree’s life, because it can be unclear just how much money can safely be withdrawn from retirement accounts to sustain...Continue Reading
CDAs Are Ready for Their Moment RIA Intel recently ran a piece covering Constance, the new contingent deferred annuity RetireOne is offering in partnership with Midland National. In the article, Holly Deaton talks about annuities in general and CDAs specifically, and the challenges they face in the market, as well as some of the outdated...Continue Reading
