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Retirement income building blocks
By Jim
Connolly
and Joe Stenken
Financial advisors working with
highly paid executives need to be aware of new
regulations for both qualified and non-qualified
deferred compensation plans, two types of plans that
are the building blocks for retirement income
planning, according to experts.
Non-qualified deferred compensation plans are one
way that planners can help highly paid executives
save more, they say.
[ To comment on this
topic, just click
write to the editor.
]
Advisors need to make these
clients aware that there are additional savings
tools beyond the qualified plan that should be used,
says George Middleton, a financial advisor with
Limoges Investment Management, PC, Vancouver, Wash.
The non-qualified deferred comp programs are offered
mostly by...click
here for entire article
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Editorial comment
Immediate annuity bright spot
Greenspan on Medicare, SS
Solvency of Medicare, SS
New boomer products
Client happiness in retirement
PPA stabilizes hybrids
Get comfortable with NASD
Retirement solutions
Advisors role in settlements
Won't roil the markets
$41 trillion in wealth transfer
PPA to impact college savings
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Editorial comment: income planners to the rescue -
This
month, Income Planning carries two
reports offering opposite views of federal
entitlement programs, such as Medicare and
Social Security. It seems the politicians and
policy experts cannot agree on anything. The
discrepancies can bollix up, or at least impede,
effective income planning, so financial advisors
need to be on the alert for statements like this
when they come out. Take a peek: Alan Greenspan,
former U.S. Federal Reserve chairman, recently
characterized Medicare as...click
here for entire article.
[ To comment on
this topic, just click
write to the editor.
]
--Linda Koco, Managing Editor, Products and
Managing Editor, e-Publications
National Underwriter Life & Health
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HEADS
UP |
Advertisement
 |
Immediate annuities were bright spot in 4Q FA sales
By Jeremy Alexander
Immediate annuities (IAs) are a small segment of the
overall fixed annuity (FA) market, pulling in an
estimated $6.14 billion in 2006 sales in the United
States—just 8.7% of the $70.9 estimated overall market,
according to Beacon Research data.
However, IAs also provided the only bright spot in an
otherwise bleak 4th quarter, when sales of all product
types fell an estimated 15.9% from the 3rd quarter 2006.
They were the only FA product type to post a
quarter-on-quarter increase.
True, 4th quarter IA sales were up only slightly (2.5%),
but this was on top of the 3rd quarter’s 9.7%
quarter-to-quarter growth. The line has grown steadily
from only 6.1% in 2003. Why? There appears to be an
underlying level of market demand for...click
here for entire article
Jeremy Alexander is CEO of Beacon Research, a fixed
annuity data and application service provider in
Evanston,
Ill. His e-mail address is
Jeremy@beaconresearch.net.
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FOR ADVISORS &
REGISTERED REPS |
Benson: advanced sales pros must 'get comfortable' with the NASD
-
Washington - By
Arthur D. Postal - Advanced life insurance sales
professionals must “get comfortable” with oversight by the
National Association of Securities Dealers, warned Jim
Benson, the former president and CEO of John Hancock Life.
Equally important, professionals must...click here for entire article
Retirement planning challenges? new report suggests solutions
- By Linda Koco
- It’s one thing to talk about looming retirement planning
challenges, but what can consumers, firms and financial
professionals do about them? A new report offers lots of
suggestions such as...click here for entire article
The advisor's role in getting the word out on life settlements
Wave of retiring boomers won't roil markets
$41 trillion in wealth transfer: where will it all go?
PPA will impact college savings too: advisors
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Source:
“Perspectives: Retirement
Lifestyles,” a new survey released by Sun Life
Financial, Wellesley, Mass. The survey polled 2,000 respondents age
50 and older (1,000 pre-retirees and 1,000 retirees) who
have $250,000-plus in investable assets and work with a
financial advisor...click
here for entire article
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