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QLACs

QLAC Limit Remains at $130,000 in 2019

The IRS QLAC limit for how much of your 401(k) or IRA you can convert into a Qualified Longevity Annuity Contract remains at $130,000 for 2019.

Inside Blueprint Income

Q&A with Annuity Expert Matt Carey

I sat down with Matt Carey, annuity expert and CEO of Blueprint Income, to get his thoughts on the annuity market and hear what he and his team at Blueprint Income are doing to improve our retirements.

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Annuity Trends

July 2019: 10 Year Treasury Yields Drop Below 2%

It continues to be a wild ride in the financial markets. You’d think that trade war fears and some soft recent macroeconomic data would push markets lower. But that’s not what has happened at all. The stock market had its best first half of the year in recent memory. And bond prices have risen to &hellip; <a href="https://www.blueprintincome.com/resources/annuity-trends/july-2019-10-year-treasury-yields-drop-below-2/">Continued</a>

Annuity Trends

June 2019: Bond Yields and Annuity Rates Down Again

In response to a decline in bond yields, many insurers reduced annuity rates this month, but top fixed annuity rates have held steady. Lincoln Financial increased longevity annuity rates, but all other carriers have reduced rates. Sentiment has shifted from believing the Federal Reserve would not change rates any time soon to conventional wisdom now &hellip; <a href="https://www.blueprintincome.com/resources/annuity-trends/july-2019-10-year-treasury-yields-drop-below-2/">Continued</a>

Annuity Trends

May 2019: What Will the Fed Do Next?

Annuity rates have held steady this month. After several consecutive months of Treasury Bond declines, things leveled off in April.

Annuity Trends

February 2019: Annuity Rates Continue to Decline

The Fed sent a strong signal last week that rates were less likely than previously thought to move up in the near-term. After the Fed’s meeting, Wall Street thought there was now only about a 10% chance of any rate increases this year.

QLACs

QLAC Limit Remains at $130,000 in 2019

The IRS QLAC limit for how much of your 401(k) or IRA you can convert into a Qualified Longevity Annuity Contract remains at $130,000 for 2019.

Inside Blueprint Income

Q&A with Annuity Actuary Lauren Minches, FSA

I sat down with Lauren Minches, FSA, an annuity actuary at Blueprint Income, to hear what she and her team at Blueprint Income are doing to improve annuities and our retirements.

Inside Blueprint Income

Q&A with Retirement Income Expert Nimish Shukla, CFA

I sat down with Nimish Shukla, CFA, retirement income expert and co-founder of Blueprint Income, to get learn about Blueprint Income's approach to helping clients with their retirement income.

Inside Blueprint Income

Q&A with Annuity Expert Matt Carey

I sat down with Matt Carey, annuity expert and CEO of Blueprint Income, to get his thoughts on the annuity market and hear what he and his team at Blueprint Income are doing to improve our retirements.

Annuity Basics

Stocks Lose 7% in October While Annuity Rates Continue to Rise

There are warning signs building that the 8-10% average market returns we’ve experienced over the last decade likely are not here to stay. The guaranteed 4%+ growth of most top-paying fixed annuities are starting to look more attractive.

Inside Blueprint Income

Blueprint Income Launches Fixed Annuity Marketplace

Easy and free access to the marketplace of simple, fixed annuities for consumers. The platform provides real-time fixed annuity rates from 25+ insurers, native digital application with automation-assisted suitability review and eSignature capabilities.

Retirement Income

Should You Buy a Fixed Annuity?

A fixed annuity provides a safe, tax-advantaged way to earn a good return on savings needed in the near future, similar to a CD. We’ve created this quick checklist so you can know if a fixed annuity is a good fit for you.

Retirement Income

The Pros and Cons of a Fixed Annuity

Fixed annuities have several financial benefits to help make retirement planning simpler, but also have some drawbacks. Find out what a fixed annuity has to offer before you purchase.

Retirement Income

Customizing Your Fixed Annuity

There are many features you can add to your fixed annuity so it best fits your needs. We’ve broken down the options you can select to customize your fixed annuity.

Annuity Basics

Recent Fed Moves and Their Impact on Annuity Pricing

Annuity rates didn’t really budge in August. But given the declines in bond yields, that’s actually a good thing and means that annuity pricing might soon decline. If you’re thinking about making an annuity purchase before the end of the year, now is an attractive time to do it.

Annuity Basics

Optimizing a Retirement Portfolio Using Annuities

If one's goal is to avoid running out of money in retirement while leaving the largest possible legacy behind at death, then income annuities play a crucial role. In Blueprint Income's recent white paper, we demonstrate that portfolios made up of just stocks and annuities produce the best outcomes.

Retirement Income

New Study Highlights Baby Boomers Need for Retirement Income

A recent study by the Insurance Retirement Institute (IRI) shows that baby boomers are not adequately prepared for retirement. Retirement income from an annuity can help baby boomers retire with the peace of mind that they will not outlive their retirement savings.

Retirement Planning

Use Technology to Address These 3 Retirement Challenges

Preparing for retirement can be challenging but new technology is making it easier to prepare, plan and manage retirement. Using technology can lower fees, provide better education and access to new opportunities

Annuity Basics

The Yield Curve Is Flattening — Here’s What It Means for Annuities

A flattening yield curve (one where the difference between short-term and long-term Treasury yields is smaller than usual) suggests two annuity buying strategies. Either buy a fixed rate annuity now, and wait for rates to rise before buying an income annuity. Or, start buying income now but do so in small pieces over time.

Retirement Planning

Taxes in Retirement

Taxation has a large impact on your retirement preparedness. Developing a plan to handle the differing rules and regulations on various types of retirement income is an important step to effectively plan for retirement. This article provides an overview of taxation on retirement income and links to resources that will help you understand taxes in retirement and make the decisions that are right for you.

Pensions

Should You Keep Your Pension or Do the Lump-sum Buyout?

The majority of people who are offered a lump-sum buyout should keep their pension, but there are some situations where it is worthwhile to consider taking the lump-sum buyout and using a portion of it to purchase an annuity.

Retirement Planning

Annuities Can Solve the Retirement Spending Dilemma

The habits that help us build our retirement nest-egg also prevent us from spending as much as we can in retirement. Annuities can help solve this challenge of underconsumption in retirement.

The Personal Pension

Can We Solve the Annuity Puzzle by Reframing Annuities?

Annuity adoption is less than would be expected in traditional economic models, as economists have shown that purchasing an annuity can lead to higher retirement income than a self-managed portfolio. Reframing annuities as a mechanism to improve consumption in retirement can improve utilization of annuity products.

Retirement 101

Comparing Bonds and Annuities for Retirement

Bonds and annuities have unique features that make them important components of your retirement portfolio. Understanding the role each plays in preparing for retirement can help you optimize the conservative, or safe, portion of your portfolio.

Annuity Basics

Annuities & Inflation Risk in Retirement

Inflation risk in retirement captures the possibility that the prices of goods will increase beyond what your retirement income and savings can handle. Annuities do not do a good job protecting you from that risk, and instead are built to protect you from the other two big risks: market risk and longevity risk.

Pensions

Pension De-risking and Risk Transfer, Demystified

For many pensioners, corporate pension de-risking and risk transfers may have a minimal impact on their lives and could ultimately promote their retirement security. Read on to understand these transactions better.

Retirement Planning

How to Restore the Three-Legged Retirement Stool

The rise of the 401(k) and the corresponding decline of defined benefit pension plans upended the three-legged stool model for retirement savings, leading to retirement insecurity. Blueprint Income is working to restore the broken leg of the stool: pensions.

Retirement 101

Insurance and Consumer Backstops for Retirement Savings

We entrust our long-term retirement security with companies and organizations who we hope will be around when we retire. What happens in the rare instances when they fail? This guide provides an explanation of forms of government-aided insurance and consumer backstops that protect your retirement nest-egg.

Annuity Basics

State Guaranty Associations for Annuity Contracts

An annuity is a lifetime income guarantee that you purchase from an insurance company, who is overseen by state-based guaranty funds that insurers your annuity purchases. In this article, we discuss this important protection, as well as provide some helpful resources that you should be aware of.

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