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Income Alternatives

Research Watch

October 2008 - A 'perfect storm' of economic forces makes lifetime income annuities a smart move for women, according to a Wharton Financial Institutions Center essay.

The State of STOLI Laws

October 2008 - Recent amendments to the Viatical Settlement Model Act prohibit the sale of a life insurance policy for five years except in cases of terminal illness.

Putting a Freeze on STOLI (Not the Vodka)

October 2008 - Baby Boomers with in-force life insurance but inadequate savings are the target market of the burgeoning but much-criticized life settlement industry.

The Two-Decade Evolution of IFLM

October 2008 - In the '80s, Phil Lubinski gathered some historical stock market tables and a few legal pads and roughed out the laddered system that would evolve into IFLM.

The Bucket List: IFLM Updates the Retirement Income Ladder

October 2008 - The 'bucket method' of assigning money to short-, medium and long-term accounts has long served as a way for advisers to control risk and generate income for retirees.

How the Presidential Candidates Differ on Retirement Income

October 2008 - Both John McCain and Barack Obama have incorporated retirement savings into their agendas. So far, Obama has been more explicit about his proposals.

Life Settlements: The Movie

October 2008 - The hero of my latest screenplay is an 82-year-old man with a $1 million life insurance policy. He's pursued by bloodthirsty beneficiaries and a pack of life settlement salespeople.

How to Put DB in DC

October 2008 - Imagine a future where 401(k) plan participants go online not to check their accumulations but to view their guaranteed monthly income in retirement.

Guaranteed Income Riders in DC Plans

September 2008 - Insurance company record keepers have begun to provide guaranteed income riders as a new investment choice on their group annuity 401k platforms.

SponsorMatch Puts a Dab of DB in DC Plans

September 2008 - Barclays Global Investors (BGI) and MetLife ask plan participants to think about acquiring future income, rather than the pursuing a lump sum or 'number.'

The Inherited (Stretch) IRA and The Inherited (Stretch) Annuity

August 2008 - U.S. retirement assets reached $16.4 trillion in 2006, and part of that money will be 'in motion' as individuals leave current employers and retire.

Think Big, Start Small, Scale Fast'

August 2008 - Several big financial services companies have created in-house retirement task forces, but few have made a more aggressive or concerted effort in that direction than Lincoln Financial Group.

Safety, Liquidity and Upside Potential

July 2008 - A 156-year-old private club located near the corner of Fifth Avenue and 60th Street in Manhattan that last May was the site of a one-day symposium on structured products hosted by Financial Research Corp.

He Gives New Meaning To 'Old Money'

July 2008 - Cutler is one of the pillars of a relatively new discipline known as financial gerontology, working as a teacher, editor and policy expert in the field since the 1970s.

No Guarantees For Guaranteed Income

June 2008 - BOSTON-Retirement income planners, along with mutual and insurance fund executives, are wracking their brains to come up with new products that are low cost, easy to use and easy to sell. So far, that is the $70 trillion-dollar question for which no one looking at the rollover potential of the Baby Boomer market has been able to come up with the answer.