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Retirees want it all: cash, security, plenty of income, and a little left over for the kids. Laddered annuities may be one way to accommodate their competing desires. Not only do account values beat traditional stock/bond portfolios in the long run, but the technique accommodates boomers' changing needs as retirement lengthens.
How do you decide which product to use when your client needs lifelong income—especially if his retirement savings aren't what they should be? One advisor classifies his clients into zones to decide whether to go with an investment portfolio or buy a life or variable annuity. Here is his system for making these crucial product decisions. Part 1 of 2.
Today's market can open the door for clients looking to exit variable annuities purchased several years ago. Falling investment values along with declining surrender charges may provide clients with a way out.
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