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Guaranteed Lifetime Income Isn’t Free

Insurance protects against losses – fires, floods or a wrecked car. Because of the life-altering consequences of such as loss, clients rarely question the cost of the insurance. When viewed through an analogous framework, the cost of lifetime-income insurance, such as a GLWB, is fairly priced.
Annuity Questions, Answered
Advisors have a lot of questions about annuities. With today’s expanding marketplace of commission-free options for fiduciary advisors, accurate annuity information is more important than ever. Join this session with leading academics to ask your questions about annuity products and strategies.
Attendees who complete all 5 sessions will receive a very special, soft “Annui-tee” to congratulate them for completion.
How to Evaluate and Compare Annuities
Longevity and sequence of returns create very real risks for today’s retirees. Fortunately, fiduciary advisors have a robust and growing selection of no-load annuity solutions to explore that can protect client plans from these risks.
Join this session to learn how to assess risk in clients’ portfolios and take your annuity understanding to the next level by learning how to compare annuities by type and use.
Using Annuities with Purpose
There’s no one-size-fits-all approach when it comes to annuities, but fiduciary advisors have learned that no-load solutions can be a powerful tool in their planning toolbox.
Join this session to learn how and when to use commission-free annuities based on clients’ specific needs, and how to implement annuities strategically in your fiduciary practice (e.g. how to collect a fee for annuity allocations).
Attendees who complete all 5 sessions will receive a very special, soft “Annui-tee” to congratulate them for completion.
How Annuities Impact Financial Plans and Client Behavior
While your clients can’t buy happiness, you can help bring them peace of mind through a Commission-Free annuity that protects their retirement plan. According to recent academic research, buying an annuity can increase retirees’ satisfaction and give them confidence to stick to their plan.
Join this session – the second in a 5-part series – to understand how annuities create a license to spend in retirement and help insure the success of a financial plan.
Attendees who complete all 5 sessions will receive a very special, soft “Annui-tee” to congratulate them for completion.
Annuities for Today’s Retirement Realities
According to leading economists and academics, annuities can generate retirement income more efficiently than bonds for today’s retirees. In addition, they can ease the impact of a market downturn on a portfolio and create the opportunity for heavier allocations to equities for discretionary spending or legacy designations. Join this session – the first in a 5-part series – to understand how and why advisors are using commission-free
This session is the first of a new five-part annuity education series, featuring leading academics Wade Pfau, Ph.D., CFA, RICP® Professor and RICP®️, Michael Finke, Ph.D., Frank M. Engle Distinguished Chair in Economic Security, David Blanchett, PhD, CFA, CFP®, ChFC®, CLU®, and DPL Founder and CEO, David Lau.
The False Promise of U.S. Historical Returns

Relying on only historical U.S. returns creates an unrealistic picture of retirement outcomes. Our analysis shows that U.S. data are an anomaly among the broader global universe, and that our low-yield environment forebodes lower-than-average equity returns.
Understanding Variable Annuities In Retirement Planning
Variable annuities were created to give retirees access to lifetime income with the potential for growth. Today’s products offer a range of features such as liquidity, investment risk hedging, access to a risk premium, tax deferral, and longevity protection. This panel address the tradeoff of these product features and when they provide the greatest value to retirees. The best variable annuities offer reasonable-cost options that provide income, investment flexibility and downside protection when clients need them most. CFP and IWI CE credits pending.
How Financial Plans Must Adapt to Market Crashes
The market’s response to the coronavirus had a stark effect on portfolio values. Less apparent, but more important, was how it reduced the probability that your financial plans will succeed in reaching your clients’ financial goals. Here’s an example of how devastating that may be and how you should communicate this to clients.
Why Advisors Should Use Deferred-Income Annuities
I will show that an eminently effective way to fund retirement is through a deferred-income annuity, particularly if it is purchased through an IRA as a qualified longevity annuity contract (QLAC). The advantages of purchasing a QLAC include the ability to avoid RMDs.