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Creating time-tested retirement income plans
Two veteran advisers reflect on more than 35 years of managing retirees' assets and expectations
Hybrid firm managing $700 million at MML Investors switches to LPL
Six-partner Intermountain Financial Partners is based in Salt Lake City
Variable, indexed annuities may cost more than you think
This detail could catch clients off guard when they surrender or exchange a policy.
States aren’t great at regulating insurance
Promoters of insurance products can say pretty much anything in their marketing materials
Can HSAs flip the script on retirement health care expenses?
The accounts come with powerful tax advantages, but not many people use HSAs, and even fewer use them in the optimal manner.
When to buy Medigap insurance
Rise in Medigap premiums is outpacing Social Security's cost-of-living adjustment, and the disparity is likely to get worse in 2020.
Annuity yield in short supply as interest rates falter
Few highly rated insurers are offering fixed annuities guaranteeing more than 3%, a challenge for advisers in search of yield for clients.
Fixed indexed annuity sales rise 14% to $20 billion in second quarter
Limra Secure Retirement Institute data finds VA sales stopped declining.
Genworth, GE and Unum need to shore up long-term care business: report
Some financial advisers are wary of the possibility insurers will sell long-term-care blocks to private-equity firms or hedge funds.
Cost to play bigger role in investment recommendations
Large firms are well-situated to comply with the cost standards in the SEC's Reg BI given changes they made to prepare for the DOL fiduciary rule.
SEC draws ire with indexed annuity misstep
The regulator issued an investor bulletin about indexed annuities that instead described a different product — a buffer annuity.
Warning about insurance reserves at GE is relevant to all U.S. life insurers
Markopolos cited the effect of new standards for how companies account for long-term care policies.
Insurers pivot amid declining interest rates
American Equity, American Financial Group, Lincoln National and Principal say lower interest rates are leading to reduced annuity payouts and, in some cases, lower sales.
GE plunges as Madoff accuser slams its accounting
Harry Markopolos estimates GE needs to boost reserves by $18.5 billion for long-term care insurance portfolio
Fee-based annuities still require caution, despite IRS olive branch
The agency may have fixed a big tax problem for RIAs, but issues remain with many fee-based products.
The SECURE Act could mean big changes for advisers
If the legislation passes, advisers would have more opportunities to offer lifetime income options to plan sponsors and participants.
IRS delivers ‘game changer’ for fee-based annuities
Agency issued a private letter ruling to Nationwide indicating that pulling an advisory fee from the annuity doesn't create a taxable event.
Texas 403(b) law causes adviser concern over investor protection
Law taking effect Sept. 1 eliminates fee caps in place on some retirement products for teachers.
New York best interest rule for annuity, life insurance sales upheld by state court
Regulation's language is similar to that of the Department of Labor's fiduciary rule.
Tech to help advisers plan for more years of healthcare costs in retirement
Helping clients manage money through longer lifespans is an increasing concern.
