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Kiplinger Logo
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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Advisor Magazine Logo
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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ThinkAdvisor Logo
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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Advisor Perspectives Logo
In David Stone’s latest article for Advisor Perspectives, he writes about RIAs who choose to ignore annuities. He notes that, “When you consider that nearly half (48%) of Americans own or previously owned annuities, you understand that declining to offer guidance on those investments could mean that you are turning your back on a large swath of...
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Kiplinger Logo
A Ballet of Black Swans Investors over 40 have now experienced several so-called black swan events in the last 20 years. These are those “once every 100 years” financial haymakers that drop our investments to the mat with fearsome efficiency. It is remarkable that Gen-Xers had their 401(k)s and IRAs staggered by not one but...
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Kiplinger Logo
Three things to know before buying one Relatively new to the market, Index-Linked Annuities (“ILAs”) are a bit misunderstood. (For an example of an ILA, look at the Allianz Index Advantage ADV ILA). Like their cousins, fixed indexed annuities, ILAs offer upside potential with downside protection. Both provide market participation via index-following crediting methods, and...
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Kiplinger Logo
Writing for Kiplinger, RetireOne CEO David Stone says recessions are a normal part of the economic cycle. He argues that during these market cycles, equities prices are ‘pruned’ back to allow for healthy future growth. Stocks are approaching historical highs anyway. A recession now could make future investments cheaper, which would be good in the...
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Advisor Perspectives Logo
RetireOne President Ed Mercier has been working in the RIA space for 20 years. In an article for Advisor Perspectives, Ed shares similarities between his experience serving this audience of fiduciaries, and that of his colleague, Jim Combs. Jim is CEO of National Advisors Trust (NATC). NATC is one of the largest trust companies in...
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Iris Logo
In this article for IRIS, RetireOne President Ed Mercier explores the trend toward zero commission or ‘no-load’ insurance products like annuities. As robos take on more and more advisor services, many experts agree that financial behavioral coaching is one area that resists automation. This new generation of low-cost, fiduciary-focused products help RIAs manage client behaviors...
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