Retirement Income / Annuities

  • American College’s ‘Funding Longevity Task Force’ Establishes Advisory Board American College’s ‘Funding Longevity Task Force’ Establishes Advisory Board

    To examine the role of housing wealth plays in retirement income planning

    The Funding Longevity Task Force at The American College of Financial Services has established an Advisory Board, including four founding members. read more
  • Living Older, Living Poorer – Living Older, Living Poorer –

    Financial disaster is often only one setback away

    by Martin F. Lowenthal, AEP®, MSIM, CLU®, CHFC®, RICP®, CLTC

    The United States has the world's highest number of centenarians, yet just over half of those aged 55 or older have less than $25,000 in retirement savings, and 14% of boomers have no retirement income at all read more
  • Fixing Our Most Pressing Health Insurance Problems: A Bipartisan Path Forward Fixing Our Most Pressing Health Insurance Problems: A Bipartisan Path Forward

    Bipartisanship in health policy is not a fantasy

    by Timothy S. Jost

    With Senate Republicans mired in seemingly intractable disagreements about how to proceed with health reform—which may very well not be resolved by the latest Senate draft bill, Majority Leader Mitch McConnell suggested on July 6 that a bipartisan short-term fix may be needed for the problems of the individual health insurance market read more
  • What Are The Effects of Negative Attitudes on Aging? What Are The Effects of Negative Attitudes on Aging?

    AARP and The Gerontological Society of America research explores cultural, geographic, community, and family influences

    The ways in which negative attitudes about aging can affect people's health and quality of life are the focus of 12 peer-reviewed research papers in a new supplemental issue of The Gerontologist — the respected research and analysis journal published by The Gerontological Society of America since 1961. read more
  • For LTCi, It’s All About Facing The Issues For LTCi, It’s All About Facing The Issues

    It's easier to plan for Long-Term-Care if we confront our personal concerns first

    Last year the U.S. Department of Health & Human Services issued a report about Americans' concerns and actions related to long-term care (LTC), also referred to as long-term services and supports (LTSS). read more
  • Many Americans with Employer-Sponsored Health Insurance, Especially Millennials, Struggling with Rising Out-of-Pocket Costs Many Americans with Employer-Sponsored Health Insurance, Especially Millennials, Struggling with Rising Out-of-Pocket Costs

    Less than half of employees are aware of supplemental group insurance benefits designed to help them manage the unexpected expenses of an injury or illness

    With deductibles continuing to climb, many Americans who have health insurance through their employers, particularly younger workers, are struggling when it comes to out-of-pocket medical expenses. read more
  • The Gender Retirement Gap The Gender Retirement Gap

    It's not only vast, it is long lasting

    Women face hurdles during their savings years and then face a second, equally difficult, set of challenges throughout retirement. A cursory view of the US retirement system may appear to be gender neutral; however, after carefully reviewing the data, the Gender Retirement Gap and the significant barriers women face is clear. read more
  • Ten Years After Financial Crisis, Nearly One-in-Three Americans Still Feeling the Sting Ten Years After Financial Crisis, Nearly One-in-Three Americans Still Feeling the Sting

    Study: Women, African Americans and low-income segments most affected

    As we approach the 10-year anniversary of the housing market crash of 2007 and financial crisis known as the Great Recession, the COUNTRY Financial Security Index looked at Americans' views on their personal financial recovery. read more
  • Gen X: Only 1 in 3 Will Reach Long-Term Financial Goals Gen X: Only 1 in 3 Will Reach Long-Term Financial Goals

    Forty One percent of the 'sandwich generation' say they need to save more for the future

    Forty One percent of the ‘sandwich generation’ say they need to save more for the future SAN JOSE, Calif., July 13, 2017 /PRNewswire/ — FICO’s latest consumer finance trend research has revealed that only 32 percent of consumers aged 38-52, known as Generation X, are confident they will reach their long-term financial goals. Generation X also ... read more
  • What’s Next for the Dollar, Stocks, Bonds & Gold? What’s Next for the Dollar, Stocks, Bonds & Gold?

    If printing money is quantitative easing (QE), then balance sheet reduction is quantitative tightening (QT)

    by Axel Merk

    The Fed’s “balance sheet reduction” may have profound implications for the dollar, gold, stocks and bonds. It is said forecasts are difficult, especially when they relate to the future. Investors might want to pay attention nonetheless, not so much because I believe I have a crystal ball, but because investing is about managing risk. read more
  • One-in-Four Americans Are “Barely Getting By” Financially One-in-Four Americans Are “Barely Getting By” Financially

    With an array of financial obstacles facing many Americans, setting simple and realistic financial goals is essential

    -A new study from Lincoln Financial Group (NYSE: LNC) gauges consumer perspectives and emotions around personal finance, and progress — or lack thereof — toward financial goals. read more
  • Income Investing – Selecting Only the Good Stuff Income Investing – Selecting Only the Good Stuff

    Working with Bonds, CEFs, REITs, MLPs, and Preferreds

    by Steve Selengut

    The larger the portfolio, the more likely it is that you will be able to buy round lots of a diversified group of bonds, preferred stocks, etc. But regardless of size, individual income securities have liquidity problems, higher risk levels, and lower yields spaced out over inconvenient time periods. read more
  • Worried At Work Worried At Work

    Middle America is suffering widespread anxiety over politics, personal finances... and bringing it to the office

    Middle America is fraught with worry about a range of issues, particularly the direction of the country and personal finances, the latter which often adversely impacts people’s health, personal relationships and on-the-job performance, according to a new study by Massachusetts Mutual Life Insurance Co. (MassMutual). read more