Annuity Basics
No Agent Annuities? Be Careful about Empty Promises
Not all insurance agents are created equal. Be leery of those who think of your financial life as an opportunity to sell you something.
Tag: Annuity
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
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.
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.
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.
Retirement Planning
Can the Retirement Enhancement Savings Act (RESA) Encourage Companies to Get on the Annuity Bandwagon?
The Retirement Enhancement and Savings Act of 2018 (RESA) may finally encourage retirement plan sponsors to add annuities to their 401(k) plans. Certain provisions may promote retirement savings by encouraging annuitizations among plan participants.