Annuities

Seniors are advised to combine multiple tax-deferred accounts, such as traditional IRAs and 401(k)s.

“We can’t overestimate the influence of having access to employer-sponsored retirement plans," an expert says.

Clients who want to save for their children’s education may be better off using a 529 plan than a Roth IRA.

The IBD network joins asset managers and other companies developing new methods to display how the products integrate into client portfolios.

The asset management and software giants plan to start the rollout of their 401(k) tool and app later this year.

The transition is expected to take place within the next 12 to 18 months, however the firm says it will still manage the products’ underlying investments.

New contracts reached a 10-year high as key stakeholders praised a bill before the U.S. Senate which could expand the products to more 401(k) plans.

There's a lot to navigate when it comes to assuring clients that the benefits outweigh the headaches.

With income taxes attached to hardship withdrawals, they are often advised to carefully weigh other options.

The misconceptions about Social Security are alarming. says an expert. The number of people relying on the program to be their main source of income "is scary."

Grandparents are advised to give cash gifts without putting their future financial security at risk.

An educational campaign aims to place the products front and center amid increasing longevity — but sales figures show they’re already in the limelight.

Annuities with guaranteed lifetime withdrawal benefits tout longevity protection, but naysayers warn of added complexity on an already confusing instrument.

Advisors need to be willing to take a financial hit for clients

As an alternative to placing restrictions on lump sum withdrawals, clients could provide retirees more distribution flexibility.

Growing fixed products, along with new fee-only offerings, are changing the shelf and the carrier rankings.

Seniors will face a 20% penalty on top of income taxes if they withdraw funds from a health savings account for non-medical expenses before the age of 65.

Fixed and variable contracts ended 2018 at nearly reverse levels of revenue from their totals three years earlier.

Although earnings in a deferred annuity will not be included in an investor's adjusted gross income, future withdrawals from the annuity could trigger a bigger tax bill.

Getting clients to think realistically about their post-work years is tough, but this one question quickly gets to the heart of the matter, says Trilogy Financial CEO Jeff Motske.