Retirees Relocating Overseas Have Currency Risk Issues to Contemplate 28 Mar 2013 | 04:40 am

Americans in their fifties have lost much of the equity value in their homes, as well as in their saving and investment accounts, due to the severe economic downturns endured over the past decade. Re...

Jackson Approaching Variable Annuity Capacity Limits 16 Nov 2012 | 01:48 am

In yet another sign of variable annuity capacity constraints, Jackson National recently announced that they are approaching the upper range for 2012 sales of variable annuities with guaranteed living ...

Required Reading 2 Nov 2012 | 09:12 pm

Meeker USA Inc

Visualizing the Demographic Challenge 31 Oct 2012 | 10:57 pm

Understanding the Value of Living Benefit Guarantees 31 Oct 2012 | 10:05 pm

Advisor Perspectives just published the first in a series of articles from Wade Pfau. These pieces are important and should be read by anyone considering guaranteed lifetime withdrawal benefits or any...

Annuity Duration 31 Oct 2012 | 06:42 am

Duration is a measure of the time associated with cash flows or payments from a bond. Duration measures the amount of time (in years from the purchase date) required for a bond owner to receive intere...

Notes from the CFA Institute Fixed Income Conference 17 Oct 2012 | 04:45 am

The CFA Institute just held its 2012 fixed income conference in San Francisco. Speakers shared a very broad range of perspectives on fixed income issues over the course of about a dozen sessions. Se...

The Case for Mutual Insurance Companies 8 Oct 2012 | 11:16 pm

The best interests of financial services consumers are much better aligned with a mutual insurance company than a stock insurance company. Mutual insurance companies are owned by policyholders. Owner...

Questioning the Need for Bonds in Retirement 5 Oct 2012 | 10:46 pm

Conventional financial wisdom says that bonds should comprise an increasing percentage of a portfolio as the owner ages and heads into retirement. In theory, a retiree’s need for income and a reduced...

Morningstar Research Quantifies the Value of Financial Planning for Retirement 5 Oct 2012 | 12:49 am

New retirement income research from Morningstar provides a framework for quantifying the value of effective financial planning for retirement. Morningstar’s retirement research team uses the concept ...