The Zone System for Choosing Retirement Income Products, Part 1

RELATED CONTENT

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

When clients have merely sufficient savings—neither abundant nor deficient—how do you decide on the right combination of products to use? The Zone System can help you figure out the perfect mix of investment portfolio and annuities that will generate the lifelong retirement income your client needs. Part 2 of a two-part series.

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.

Understanding Immediate Annuities

Immediate annuities can be a viable option for retirees who don't want to manage their money but want a guaranteed income for the rest of their lives. In some cases, an immediate annuity may even provide more income than an investment account.

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.