Join Dr. Michael Finke as he shares the steps for developing a goals-based financial plan, the importance of understanding the impact of investment risk, and approaches to funding inflexible spending. Sponsored by RetireOne and Protective.

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.

A close look at the historical data suggests that the excess performance of stocks relative to bonds occurred mainly in two historical periods and has been inconsistent over the last 25 years.

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.

The next market correction will inflict its worst damage on crypto and meme investors, but those saving for retirement in a diversified, disciplined manner will suffer alongside them.

Claiming Social Security too early is economically equivalent to delaying claiming, withdrawing $100,000 from a portfolio, and setting it on fire.

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.

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.

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.

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 annuities to strengthen their clients’ retirement plans and grow their firms.

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.

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.

There is no easy answer for income investors whose expectations and behaviors need to be adjusted accordingly.

Corporate bonds are riskier than Treasury securities. The reward for accepting this risk is larger when spreads widen, but may be less than investors expect when spreads are modest.

We compare fixed annuities to other safe investments, such as CDs and Treasury securities, to better understand whether they provide attractive risk-adjusted performance and are a reasonable alternative for risk-averse investors.

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.

Market crashes, such as we experienced in March at the onset of the pandemic, drive assets to the safe haven of government bonds. But our research shows this flight to safety mindset did not translate to an increase in demand for annuities.

Care to guess how well the monthly CAPE predicted future 10-year returns between January 1995 and May 2020?

The way to get people to think about death is to imagine that by doing so they will never die. Recognizing this universal character trait will lead to more productive planning outcomes.

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.

Most of us view our investment portfolio as numbers on a screen. However, investments represent money that we set aside for some future purpose or goal. Are we investing with that goal in mind?

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.