Articles

The benefits of choosing to be a customer of a mutual insurance company are very real.

A longevity annuity is arguably the most efficient way to insure longevity risk.  Consider the following example to see why this is the case:

A common question is how annuities compare to other financial products that seem similar such as bonds, certificates of deposit and money market funds.

Business Week just ran a timely cover story on the post-financial crisis retirement landscape.  Portions of the feature present a remarkable contradiction.

Bob MacDonald has had a storied career as a leading entrepreneur and executive in the financial services industry.

It's been a year since the market bottomed and the financial crisis presumably peaked. There has been enough time for noted financial journalists such as Roger Lowenstein and Michael Lewis to write soon to be released books on the crisis.

Coverage of annuities by the broader financial media tends to be negative, with much of the criticism focused on annuity expenses .

The Billion Prices Project from MIT provides real-time inflation indexes that provide an important alternative to headline or official inflation indexes such as the consumer price index.

A key to the best time to buy an annuity involves mortality and the probability of receiving payments from the insurance company.

There are many affordable things we can do independently of Wall Street to safely and significantly raise our standards of living.

There is a key point of distinction that exists in the world of financial advice and vast majority of people are unaware that it exists.  The defining issue is whether a financial advisor actually assumes the role of fiduciary.  Fiduciary responsibility is important because it basically means that…

Performance standards such as the proposed retirement income benchmark are exactly what the emerging retirement income industry needs.

At the moment, it appears that inflation protection for fixed annuities is not worth the additional cost.

Jerry Golden--often referred to as the father of variable life insurance and variable annuities--has had a distinguished career as an innovator and entrepreneur in both the insurance and personal retirement businesses.

Financial advisors and retirees should be aware of the profound impact that a low volatility portfolio can have on investment performance and, consequently, retirement spending sustainability.