The Zone System for Choosing Combinations of Retirement Income Products, Part 2

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The Zone System for Choosing Retirement Income Products, Part 1

How do you decide which product to use when your client needs lifelong income—especially if his retirement savings aren't what they should be? One advisor classifies his clients into zones to decide whether to go with an investment portfolio or buy a life or variable annuity. Here is his system for making these crucial product decisions. Part 1 of 2.

Cracking the Nest Egg: When Accumulation Becomes Distribution

It's a big transition when clients leave the workforce to live off their savings. Moving from an accumulation to a distribution strategy requires an attitude adjustment in both you and your clients. Here are the issues to consider when time, compounding, and other conventional investment principles no longer work in your favor.

14 Withdrawal Strategies That Won't Protect, Extend, or Defend Retirement Income

In the quest for lifelong retirement income, many advisors and their clients follow strategies that have yet to be proven. Will a buy-and-hold portfolio hold up for 30 years? (Only if you're lucky.) Will a low-risk portfolio have a longer life? (There's a 60% chance of depletion.) How about buying a term annuity and investing the rest? (Then you face a 56% chance of depletion.) We identify the strategies and their probability of success.

Retirement Withdrawal: Picking the Right Rate

Many clients fear outliving their money. Here's a formula that is getting serious attention from planners by helping to safeguard nest eggs over a 30- to 50-year period.