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Jason Kestler
Income riders: Don’t be blinded by the shiny object
Article posted by Jason Kestler
We are all drawn to shiny objects in one way or another. They take many forms: a new car, a big diamond, that killer pair of shoes. In today’s annuity market, income riders are riddled with shiny objects. Let's explore them in detail.
Jared Trexler
IRS regulations create new type of retirement income annuity: The QLAC
Article posted by Jared Trexler
On July 1, 2014, the IRS released the final regulations for qualifying longevity annuity contracts. Thanks to these regulations, you will now be able to purchase certain annuity contracts that can be excluded from the fair market value you use to calculate your required minimum distribution (RMD).
Jeff Reed
Living and dying with dignity: The right combination of life, LTC and critical illness
Article posted by Jeff Reed
We have discussed the merits of LTC and chronic illness riders in this forum on more than one occasion, always in an effort to understand the nuances that differentiate one offering from another. The hope, of course, is that there is a clear winner. The reality, unfortunately, is much more complicated.
jberson
Why Ken "I hate annuities" Fisher has a problem
Article posted by Jeffrey Berson
We have all seen it. The big advertisement from Fisher Investments: "I hate annuities, and you should too!" Ken Fisher is making a splash with this, but as is typical with this kind of promo, his "special report" is one-sided, very poorly researched and limited in scope.
Larry Klein
3 ways advisors can avoid the summer blues
Article posted by Larry Klein
Most every financial services professional fails to do additional business with existing clients, or at least not as much business as they should. They constantly look for new clients. Big mistake. Here are three ways to use the summer to reignite relationships.
Bill Coffin
6 feverish notions for fixing health care reform
Article posted by Bill Coffin
Medical liability reform, incentivizing health insurance and revisiting pre-existing conditions are some considerations to fix health care in the U.S.
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Vanessa De La Rosa
13 insurance industry heroes you need to know
Article posted by Vanessa De La Rosa
There are many heroes in this line of work, most of them unsung. They run the gamut from executives directing 70 million hours of charitable work in a single year to visionaries working to transform the way we think about and plan for death to educators inspiring the next generation of workers. These are the true success stories, the ones that leave behind a legacy.
Mike Pinkans
Selling deferred income annuities inside IRAs and defined contribution plans
Article posted by Michael Pinkans, CFA
The Treasury Department and the Internal Revenue Service (IRS) just provided IRA owners and defined contribution (DC) participants — those having 401(k)s, 403(b)s and 457 plans — the ability to purchase longevity annuities (also known as deferred income annuities or DIAs) within these plans.
Kelly Moser
3 things to learn from the outrageous Comcast recording
Article posted by Kelly Moser
Recently, an eight minute recording of one man’s conversation with a Comcast employee went viral — for all the wrong reasons. Here are three things that can be learned from the outrageous Comcast recording.
Paul Wilson
The big five: The 2014 Retirement Advisor magazine's Advisor of the Year finalists
Article posted by Paul Wilson
After months of poring over nominations, Retirement Advisor rolls out the annual Advisor of the Year finalists.
Steven McCarty
Retirement seminars: summit path or slippery slope? Pt. 2
Article posted by Steven McCarty
The Prosperity Foundation” (not its real name) claims to offer a non-profit retirement education seminar, delivered by “academic” instructors. As I explained in a previous article, TPF’s marketing brochure initially impressed my NEA colleague. But his research revealed TPF’s creator to be an FMO and its “instructors” to be financial advisors. Although the seminar curriculum sounded excellent, TPF appeared to engage in dubious marketing practices in order to generate attendees.
Paul McCord
Are you failing because you fail to persist?
Article posted by Paul McCord
Selling is both an art and a science. Like anything else in life, it takes time to learn and develop new skills. If we don’t allow ourselves the time and practice required to develop the skills required to become successful, we’ll never become successful. The NFL, NBA, PGA and other sporting associations are chock full of individuals who have spent their entire lives on the practice field, preparing themselves for just a few minutes each week in the limelight.
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