Will also launch back office services for HALO annuity marketplace planned for later this year San Francisco, CA and Chicago, IL– April 22, 2020 – Halo Investing, Inc. (“Halo”) and RetireOne®—the leading independent platform for fee-based insurance solutions—announced a partnership that expands RetireOne’s portfolio protection offerings with structured notes. The partnership between Halo and RetireOne...Continue Reading
What is sequence of returns risk, and why is it so important to understand during this bear market? In a March 2020 article for Barron’s, journalist Neal Templin explores the impact this risk may have on retirees and near-retirees. Templin also describes some potential actions investors may take to minimize the potential negative consequences a...Continue Reading
Sequence of returns risk (“SOR”), the risk that markets may go south as retirees begin taking income, is a well-publicized phenomenon. Though, because of its recency, Moshe Milevsky laments that it lacks a true measure or definition. In this report for Jackson he suggests a standardized measure—a sort of Richter scale for SOR that attempts to...Continue Reading
The last five working years and first five in retirement can be fraught with risk for American savers. During this “fragile decade” a bad sequence of returns can have a negative and lasting impact on client portfolios, and threaten the ability to make retirement savings last. For instance, a client who suffers a 33 percent...Continue Reading
Dr. Wade Pfau, PhD, CFA® recently partnered with inStream to create a portfolio simulator tool that incorporates fixed indexed annuities as an asset class. The tool allows users to compare hypothetical performance of traditional portfolios against those that also include allocations to fixed indexed annuities (FIAs). In his research, Dr. Pfau deployed FIAs as a...Continue Reading
New Index-Linked Variable Annuities offer Upside Potential with Two Options for Downside Protection San Francisco, CA – April 12, 2018 – RetireOne®, the leading independent platform for fee-based insurance solutions, announced a partnership with Great-West Financial to offer their first-of-its-kind, fee-based Index-Linked Variable Annuity (ILVA). “With the addition of index-linked variable annuities to our platform,...Continue Reading
Prudential’s recent research study found that about half (51%) of retirees retired earlier than planned. While early retirement may seem like welcome news, only 23% retired earlier than planned because they either had enough money to retire, wanted to retire, or were tired of working. Forty-six percent of those who retired earlier than expected did...Continue Reading
Business is booming for discount brokerages. But this time the players driving the boom aren’t day traders chasing dot-com riches. They are independent financial professionals known as registered investment advisers who manage rosters of typically affluent clients and trade on their behalf with the assets held at the brokerage firms. By 2020, research firm Cerulli...Continue Reading
Jackson National’s first combined research report with IRI, “The Language of Retirement,” is a study of financial consultants and consumers. It aims to gauge how Americans of various ages evaluate their financial preparedness for retirement, their familiarity with and viewpoints toward various financial products, and the financial strategies they’re most likely to employ as they...Continue Reading
The technology with the most radical impact on advisors’ businesses isn’t robo-advisors, according to Ric Edelman, founder and executive chairman of Edelman Financial Services in ThinkAdvisor. It’s the exponential technologies they may know little or nothing about. Exponential “sciences and technologies are going to alter virtually every aspect of life on the planet,” Edelman told...Continue Reading
