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Retirement is a new lifestyle and there are a number of adjustments that folks go through during this life changing event. On this episode we discuss 5 specific “Must Do's” with the objective of provi...
Joe and Big Al spitball two sides of the retirement equation, today on Your Money, Your Wealth® podcast number 570. Daniel in Texas is 40 and worrying about how to support Mom and Dad if their money r...
I manage mine. We had a money manager, but discovered after decades with him that he was collecting a 1% management fee plus there were commissions on some purchases as well as high loads on other fun...
An "all-asset" strategy would integrate housing wealth and annuities with traditional investments to generate more income and liquid savings for retirees.
Taking Social Security later results in higher future income, but that can create an income gap. Annuities can boost income until you file for benefits.
Allianz Life Insurance Company of North America’s latest white paper takes a deep look at how different retirement income strategies—and especially various types of annuity products—can shape particip...
Annuities promise guaranteed lifetime income—so why do Canadians avoid them? We unpack the “annuity puzzle” and when they may actually make sense. The post Unlocking the Annuity Puzzle: Why Canadians ...
This post is follow-up to our post of December 22, 2024 and will again highlight the benefits of using the Actuaries Longevity Illustrator (ALI) to help you develop reasonable lifetime planning period...
? Show Notes In this episode, Roger Whitney kicks off a month-long series on year-end planning for retirement. He shares insights on tax loss harvesting, a technique that can help you minimize capital...
Gross sales (excluding exchanges and surrenders) of annuities reached $117 billion in the third-quarter of 2025, according to fresh survey data from Winkintel. Prominent sellers included Athene, Equit...
We feature two deep-dive research papers on private credit. One is from Victoria Ivashina of Harvard Business School and the other from a team that includes Amir Sufi, co-author of "House of Debt" (U....
In the Fall issue of this quarterly publication, you'll find a story that recommends capping benefits at about $2,000, one that shows why a combination of income annuities and withdrawals from savings...
Without a long-term care (LTC) plan, decisions about your future could fall to others if you become incapacitated, and their choices may not align with your wishes. Failing to leave clear […] The post...
? Show Notes In this episode, Roger Whitney dives into the essentials of required minimum distributions, explaining the age thresholds, how the amounts are calculated using IRS life expectancy tables,...
I expect to retire in the next 12-24 months, and I’m looking for advice on how to handle multiple income streams. Like a lot of people, for almost 40 years, nearly all our household income has c...
Today, I'm speaking with David McKnight. David is a best-selling author, world-renowned tax strategist, and financial educator who challenges some of the most popular (and misleading) retirement gurus...
Those “3x by 40, 6x by 50, 10x by 67” charts feel official—until your life doesn’t match the average. In this episode, James shows why age-based savings benchmarks miss the mar...
FROM THE ARTICLE. Are Workers Warming Up to In-Plan Annuities? Surveys show growing interest in 401(k) plans with a guaranteed-income option. By Maya Dollarhide and Tamara E. Holmes, AARP. Published O...
I attended a (retirement-related) presentation last night about Fixed Index Annuities (FIAs) and though I vowed never to touch an Annuity—because, you know, Social Security is an annuity—I...
Tiktok, Reels, and Facebook, are all relentlessly targeting me with ads for a new retirement strategy that does not include annuities, life insurance, 401(k)s, IRAs, and proposes to me that it will ge...
The financial professionals who contribute to Kiplinger's Adviser Intel recently wrote about myths about annuities, Boomers' retirement reality check and OBBB changes to federal student loans....
Annuities can offer financial stability that can be quite freeing for retirees. Don't let a few myths spoil what might be a good thing for you....
Private equity, real estate and expanded annuities are now options, but they are more complex, less flexible and more expensive to own....
To qualify for a new tax break included in the One Big Beautiful Bill Act, some older adults need to lower their taxable income. Annuities can make that happen....
What is better than an annuity for retirement? Explore smarter investment and income strategies to grow and protect your wealth. The post What Is Better Than an Annuity for Retirement: Smarter Options...
You should never be rushed into buying an annuity. But now that they can be sold quickly and easily online, you need to be more alert than ever to pushy salesmanship. Here are four signs you're workin...
Guaranteed lifetime income sounds great, but how much will it be? Several factors determine your future payout on indexed annuities with an income rider....
Here's a detailed look at income annuities and the factors that determine your payout now and in the future....
Find out if longevity annuities can alleviate your biggest retirement anxieties. Can they offer you the peace of mind you seek? The post Longevity Annuities: One Way to Insure Your Worst Fears Don&rsq...
Side products no more, life insurance and annuities can make financial longevity possible for clients at all AUM levels....
A new TIAA Institute survey found that a vast majority of 401(k) plan participants are interested in accessing fixed annuities through their retirement accounts. Plan providers are listening....
Annuities can offer retirement income stability and security against market volatility, though some do have drawbacks. The key is to understand their features before buying....
Before she retires next month at age 52, Rowan in Georgia wonders how to maximize growth in her IRA, which will be funded with 72(t) early retirement withdrawals. What do Joe Anderson, CFP® and Bi...
Economic security — through annuities — is good for retirees' emotional and physical health....
Greetings. I turned 55 this month and hope to retire in 4 and a half years. My wife and I want to retire in Italy at some point. My tentative plan is to convert my 401k at retirement to a joint life a...
Combining a reverse mortgage known as a HECM with a QLAC (qualifying longevity annuity contract) can provide longevity protection, tax savings and liquidity for unplanned expenses....
Pulling money out of an annuity early can be a costly proposition. Here's how surrender charges work and one potential way around them — an annuity "ladder."...
In our 2025 Readers' Choice Awards survey, readers evaluated financial providers. Find out which annuity providers came out on top....
Annuity sales top $100 billion in the first quarter....
The new annuity solution draws on the performance of underlying Dimensional ETFs...
Annuities are popular, but they are also confusing. Unscrupulous brokers take advantage of that....
This may be a dumb question, but is the net present value of the annuity, regardless of whether you retire at 60 and start payments immediately or retire but defer the start (e.g. 65), always the amou...
Annuities offer protection, but your 401(k) already gives you tax advantages without the fees and complexity....
The latest news from 401GO, TIAA, and CalSTRS...
? Show Notes In this episode, we dig into fixed annuities and U.S. Treasuries—how they can bring stability and income to your retirement. We’ll also discuss Social Security risks and how t...
Understanding the essentials of taxation in retirement income strategies involving annuities helps ensure positive outcomes for clients....
Annuities are now an option in some 401(k)s but that doesn't mean they should be included in your retirement plan....
Lack of awareness leads many to overlook these potent financial tools, and with the possibility of running out of money in retirement, that could really hurt....
Never running out of money can be an attractive plan if you worry your child may run out of money. Is buying an annuity for them a good move? The post Should I Purchase an Annuity for My Child as Part...
Annuity fees include commissions, administrative costs, expense ratios and more. How much is too much and how do you know if you're overpaying?...