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Can they become a $100B Industry? We sure think so! Michelle Richter, executive director of the Institutional Retirement Income Council, recently wrote a pair of articles for Advisor Perspectives on contingent deferred annuities entitled “Guaranteed Income for Life.” In the first article, “Can Contingent Deferred Annuities Become a $100B Industry?” Richter examines why Americans don’t...
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Teaching clients to embrace risk We like to think we make rational decisions based on the information available. But in truth, our brains use cognitive biases — psychologists call them “heuristics”— to make decisions more efficiently. And while we try to consider all the information available to us, we tend to employ the information we...
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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financial industry’s focus on the size of a client’s retirement savings, their return on investment, and increasingly outdated rules of thumb – like the 4% rule – may be doing more harm to clients than...
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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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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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