DFA’s asset allocation models and 38 Mutual Funds and ETFs are now covered by Constance: the first flat-fee, zero-commission lifetime income solution that RIAs can seamlessly integrate into client portfolios San Francisco, CA – February 15, 2022 – RetireOne®, the leading independent platform for fee-based insurance solutions, today announced they have collaborated with Dimensional Fund...Continue Reading
Have the Rules Changed? Recently Advisor Perspectives posted an advice column by Beverly Flaxington, a practice management consultant who helps financial advisors. In this particular column, she was presented with a query from an advisor, H.D., who objected to the idea that advisors must understand their clients’ goals and values to best help them achieve...Continue Reading
Investors Increasingly Drawn to Lifetime Income Thanks to Harry Markowitz’ Modern Portfolio Theory, the 60/40 portfolio has been a widely appreciated investment strategy. It makes sense. Put most of your money in stocks for growth and diversify by allocating a chunk of it to bonds for stability and protection. But we’ve been experiencing an extended...Continue Reading
Retirement Experts Offer Advice and Potential Solutions Retirement expert Robert Powell penned a lengthy column for MarketWatch outlining the retirement crisis and the most significant developments that came out of the retirement planning industry last year. From the SECURE Act, to annuities in 401(k)s, to SeLFIES, to ESG funds, and more, Powell provides a bird’s...Continue Reading
Think of it as retirement income insurance Writing for Kiplinger, RetireOne President Ed Mercier addresses the need for retirees to pensionize retirement savings so that they may navigate sequence of returns risk and longevity risk effectively. As American retirement plans have shifted from defined benefit to defined contribution plans the aforementioned risks were also shifted...Continue Reading
The Future is Unbundled Sequence-of-return risk can play havoc with an individual investor’s retirement income. The “fragile decade” – the five years before and after retirement begins – is a uniquely volatile time in a retiree’s life, because it can be unclear just how much money can safely be withdrawn from retirement accounts to sustain...Continue Reading
CDAs Are Ready for Their Moment RIA Intel recently ran a piece covering Constance, the new contingent deferred annuity RetireOne is offering in partnership with Midland National. In the article, Holly Deaton talks about annuities in general and CDAs specifically, and the challenges they face in the market, as well as some of the outdated...Continue Reading
Citywire recently published an article entitled “Attack of the Annuities!” and, as you might expect from an article with a title patterned after schlocky B-movies, it leans toward sensationalism on the subject of annuities in the RIA space. The article sets the tone with a quote from Ken Fisher: “I would die and go to...Continue Reading
In October, Kerry Pechter weighed in on two different retirement income solutions that recently launched: RetireOne’s Constance Portflio Retirement Income Guarantee and BlackRock’s LifePath Paycheck. In his Retirement Income Journal, he covers the broad strokes of each income solution, what they’re used for and how they come at the problem from different directions: “The two...Continue Reading
