Are the Assumptions in Morningstar’s Report Valid? In a recent report, data and research firm Morningstar concluded annuities aren’t meaningfully useful to 95% of affluent investors. A report that casts doubt on the value of an entire class of insurance products will inevitably get a response, which is where finance writer Oisín Breen comes in....Continue Reading
With Increased volatility In the market, It’s time to rethink the fundamentals Wealth Solutions Report published an article recently entitled, “Are You Playing Russian Roulette With Clients’ Retirement?” The article starts by laying out the current situation: equities are in flux, life expectancy is increasing, Social Security may not be reliable in the future, and...Continue Reading
Can advisors afford to just be portfolio managers? RetireOne President Ed Mercier recently appeared with Mark Colaço of Dimensional Fund Advisors on Robert Huebscher’s Gaining Perspective Podcast to discuss the future of financial advice, and the role insurance might play in it. In the podcast, Ed and Mark talked about each company’s respective survey data,...Continue Reading
Are advisors doing enough to allay client fears? RetireOne recently conducted a joint survey with Midland National Life Insurance to better understand the landscape of retirement planning. You can check out the executive summary, but one of the key takeaways is that clients are concerned about outliving their retirement savings (82%) due to a wide...Continue Reading
Oisin Breen quoted RetireOne CEO and co-founder David Stone in an RIABiz article about Baltimore-based RIA firm Facet Wealth forging a formal vendor relationship with Policygenius.com. In Breen’s view the deal may have come at just the right time for the struggling digital insurance broker. Stone had this to say: “[It’s] a great move …...Continue Reading
Here at RetireOne, we believe that advisors and their clients should have access to the best possible fee-based insurance and annuity solutions. That’s why we launched Constance, our contingent deferred annuity (CDA), and it’s why we keep working to improve it. We recently published a press release entitled “RetireOne and Midland National Announce Constance Enhancements,”...Continue Reading
We recently collaborated with Dr. Michael Finke, Professor of Wealth Management at The American College, on a white paper entitled, “Portfolio Income Insurance – Understanding the Benefits of a Contingent Deferred Annuity.” In the white paper, Dr. Finke talks about market risk and how it impacts retirement spending, the stress that increased longevity can put...Continue Reading
At the beginning of April, RetireOne President Ed Mercier appeared alongside Head of Retirement Distribution Tim Kohn of Dimensional Fund Advisors on Bob Huebscher’s podcast, Gaining Perspective. Huebscher talked to Ed and Tim about RetireOne’s contingent deferred annuity, Constance, and the recent addition of DFA funds to Constance’s suite of covered funds. Ed and Tim...Continue Reading
At 8.5%, inflation is higher than it’s been in 40 years or more. Understandably, investors reaching retirement age are getting a little nervous. Exhibit A: Michael Madden of Wealth Solutions Report recently published an article in response to this inflation-adjacent question from an anonymous financial advisor: “I have a question for Ask the Experts: My...Continue Reading
February has been a busy month for RetireOne. There’s still plenty we’re working on that we can’t talk about yet, but one thing we can talk about is the addition of Dimensional Fund Advisors investment strategies to our contingent deferred annuity (CDA), Constance. We believe in Constance and what it can do to revolutionize the...Continue Reading
