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We recently collaborated with Dr. Michael Finke, Professor of Wealth Management at The American College, on a white paper entitled, “Portfolio Income Insurance – Understanding the Benefits of a Contingent Deferred Annuity.” In the white paper, Dr. Finke talks about market risk and how it impacts retirement spending, the stress that increased longevity can put...
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Wealthmanagement.com
RetireOne CEO and co-founder David Stone published an article for WealthManagement.com entitled, “Reframing the Retirement Conversation” which argues that the financial industry’s focus on the size of a client’s retirement savings, their return on investment, and increasingly outdated rules of thumb – like the 4% rule – may be doing more harm to clients than...
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At the beginning of April, RetireOne President Ed Mercier appeared alongside Head of Retirement Distribution Tim Kohn of Dimensional Fund Advisors on Bob Huebscher’s podcast, Gaining Perspective. Huebscher talked to Ed and Tim about RetireOne’s contingent deferred annuity, Constance, and the recent addition of DFA funds to Constance’s suite of covered funds. Ed and Tim...
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At 8.5%, inflation is higher than it’s been in 40 years or more. Understandably, investors reaching retirement age are getting a little nervous. Exhibit A: Michael Madden of Wealth Solutions Report recently published an article in response to this inflation-adjacent question from an anonymous financial advisor: “I have a question for Ask the Experts:  My...
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Late last year, Citywire published an article, “Attack of the Annuities!”, with which we disagreed on some of the main points. We responded with a blog post explaining our position, and RetireOne CEO and co-founder, David Stone, had more to say on the subject. In mid-April, ThinkAdvisor published his article, “Is the Attack on Annuities...
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Wealthmanagement.com
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?...
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Think of it as retirement income insurance Writing for Kiplinger, RetireOne President Ed Mercier addresses the need for retirees to pensionize retirement savings so that they may navigate sequence of returns risk and longevity risk effectively. As American retirement plans have shifted from defined benefit to defined contribution plans the aforementioned risks were also shifted...
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As DB plans give way to DC plans, investors need innovative ways to “pensionize” retirement savings Writing for Advisor Magazine, RetireOne co-founder and CEO David Stone points out that 10,000 Baby Boomers retire every day—many of them without employer-provided defined benefit plans. Without these traditional pensions to provide sustainable income in retirement, it’s no wonder...
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Wealthmanagement.com
Boomers have been conditioned to accumulate wealth in 401(k)s, IRAs and brokerage accounts. 10k of them retire every day. Now what?  David Stone writes about coming insuretech innovation in WealthManagement.com‘s 2021 mid-year outlook. As we face what some folks are calling “Peak 65,” a vast population of Americans will need to figure out how to...
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Making a successful RIA move with as many of your client assets as possible…even annuities Writing for ThinkAdvisor, RetireOne Managing Director Kevin Hissong and Lotay Yang of Black Card Circle RIA in California address some hurdles advisors may face as they transition all of their client assets to a fee-based practice structure from a brokerage...
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