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
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
Advisor Needs RetireOne focuses on three primary advisor needs: More Assets, More Time, Less Risk. These are simple, easy-to-understand needs that most advisors can identify with. Advisors want more assets because that translates directly into more money in their business and in their pockets. They want more time because their time is precious, and often...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
Gratitude, A Subload of Faith, The Flimflam, outSOURCEd, TrikTok, MRG + PWMA FTW, Constancely Improving, On-Demand Webinars, New Hire Thank You for Choosing RetireOne These advisors began working with us in the second quarter of 2023: Ryne Vickery, Mike Watson, Debbie Wise, Andrew Holte, Richard Todd Davis, Dylan Barr, Nickolas Oldhan, Sean Castle, William McColl,...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
Insurance and annuities play an important role in financial plans. But advising on them requires the appropriate liceneses and registrations. For RIAs, an OID can be the conduit for accessing zero-commission annuity and insurance solutions for clients. When talking to clients or other parties about their work, most financial advisors tend to lead with wealth...Continue Reading
We recently partnered with Pension & Wealth Management Advisors (PWMA), a Massachusetts-based wealth management firm, to launch a new program for their clients and advisors: PWMA Portfolio Income Insurance. The idea is simple but powerful: take a standard model portfolio and wrap it in a contingent deferred annuity (CDA), thus allowing PWMA advisors to provide...Continue Reading
