Mortallity Credits

Mortality Credits Get ‘Em While They’re Hot!

Retirement today is much different than it was for your clients’ parents and grandparents. Gone are the days of the shiny gold watch and the guaranteed corporate pension. ...
Annuphobia

ANNUIPHOBIA

Cause & Effect Annuitization or buying a life income immediate annuity provides the highest possible guaranteed life income and yet a very small percentage of retirees ...
curtis cloke 1

Measured Up: Defining Key Metrics for Retirement Success

Peter Drucker, hailed by BusinessWeek as “The man who invented management,” once said, “What gets measured gets managed.” While he certainly meant this in the context ...
GoGo Years

The 3 Distinct Phases of Retirement

Most of our clients don’t normally wake up and think, “Hmmm, I think I’ll purchase some long-term care insurance today.” It’s just not on the top of everyone’s ...
Top 10

The Top 10 Reasons Consumers Love Income Riders

David Letterman recently retired after over 30 years on television and over 6,000 shows. During his late-night comedy career, he brought entertainment innovation, creativity ...
regulation

New Regulation Inhibits Use of Annuities in Retirement

The Obama administration has recently instructed the Department of Labor to establish a fiduciary standard for financial professionals advising people about their retirement ...
Women and E2

Women and Entrepreneurship…A Winning Combination

Women are becoming entrepreneurs at a rate faster than ever before. According to the U.S. Census Bureau, women are taking the entrepreneurial bull by the horns. Over the ...
401k experiment 2

401(k): Failed Experiment

The belief that most workers in the ‘70s and early ‘80s retired with a company pension has almost become an urban legend. Even then, fewer than half of all workers were ...
Cloke-MarApr2015

Life Insurance: A Powerful Option for Retirement Income

It is becoming increasingly difficult today to find a reliable and financially viable source of retirement income. Traditional retirement savings plans, such as 401(k)s ...
Fixed Annuities Celebration

Fixed Indexed Annuities Celebrate 20 Years

A Timeline of FIA Milestones The fixed (equity) indexed annuity (FIA) was introduced 20 years ago. Why then? One big reason is that the psychology of the times was right. ...