Insurance & Annuities


Best Practices for Retirement Income Planning + How a New Tool can Help

As the baby boomers reach retirement, advisors must solve new problems for them. And these new problems must be addressed with solutions that evolve to better manage them. Retirement income is different as clients shift their focus from maximizing wealth to creating sustainable income, clients face a greater range of risks, and clients increasingly must solve a complex lifetime financial problem. These matters are becoming particularly vital as near retirees are now experiencing continued market volatility and uncertainty, and historically low interest rates.

This presentation looks at sustainable retirement spending from investments in light of recent market events and discusses strategies to support more spending by integrating both investments and income protections, such as a new Portfolio Retirement Income Guarantee that unbundles the insurance from underlying investments to build more efficient retirement strategies.