Retirement Income Planning: Should You Transfer Risk or Manage It?

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Myth Buster: Actually, IRAs Can Be a Great Place for Annuities!

It’s an old rule of thumb that investors shouldn’t locate annuities in their retirement accounts. And that was a good rule when tax deferral was the only goal. But these days clients most often buy annuities for their retirement income guarantees—and guarantees can make sense anywhere clients are worried about their retirement assets, including IRAs.

One Withdrawal Rate to Rule Them All. Really?

Advisors try to pack all of a retiree’s expenses into one overarching withdrawal rate like 4%. But clients have different spending needs and a different risk capacity associated with each of those needs. For a better outcome, calculate multiple withdrawal rates depending on a client’s essential, basic, and discretionary expenses.