Annuities have long been seen as one of the financial world’s most perplexing instruments, puzzling both retirees and economists alike. While economic models suggest that annuities should be a ...

Is artificial intelligence a threat or a superpower? It’s the question just about everyone is asking in relation to their own job, but for many, including financial advisors, it’s likely to be a ...

Explore the impact of surrender periods on annuity withdrawals, including detailed examples of charges. Gain insights into ...

Do you know what annuities are? Could you explain them in simple terms and accurately be able to demonstrate your knowledge of them in the real world? It’s okay if your answer is “no” because ChatGPT ...

Like most financial products, market value-adjusted (MVA) fixed annuities come with trade-offs that advisors need to know.

Designing an optimal retirement income plan for a client is not easy. A myriad of uncertainties and risks must be addressed, directly or indirectly, and a significant body of research exists on the ...

Fear of the unknown can lead to missed opportunities throughout our lives, including in financial planning. As advisors, we have a broader view of how each part of a client’s financial plan benefits ...

It’s rare that an executive of a major annuities producer acknowledges that the products are hard to understand and exasperating for clients and advisors alike. But that’s what happened at a ...