Answering the ‘Do We Have Enough to Retire?’ Question

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Export Client Retirement Risk

Asset allocation can't help clients who haven't saved enough for retirement. At best they have a 78% chance of outliving their money in a traditional 40/60 asset mix. Instead, export the risk with a variable annuity with guaranteed withdrawal benefits. They'll be protected from the market and enjoy a retirement paycheck for life.

The Portfolio vs. the VA: Which Is More Capital Efficient for Retirees?

We compare an investment portfolio with a variable annuity featuring guaranteed minimum withdrawal benefits for life. Market history tells us that one option is significantly more capital efficient over any time horizon, asset allocation, or alpha-producing money manager.

A 6-Step Retirement Income Strategy for Mid-Market Clients

Building a retirement plan is far different from creating a standard financial plan. Not only do you have to extrapolate your client's needs for the next 20 to 30 years, but you also have to convert assets, allocate income, and optimize taxes. Here's a six-step guide to systematically building retirement plans for middle-income clients.

Cracking the Nest Egg: When Accumulation Becomes Distribution

It's a big transition when clients leave the workforce to live off their savings. Moving from an accumulation to a distribution strategy requires an attitude adjustment in both you and your clients. Here are the issues to consider when time, compounding, and other conventional investment principles no longer work in your favor.