AAII 2021 Annuity Presentation
I was honored to speak alongside some industry heavyweights at AAII’s 2021 virtual conference. My topic was Using Income Annuities in Retirement. Here is the (hour-long!) video: You can also watch directly on YouTube by clicking here: https://lnkd.in/ehxXxScQ You may also want to read my other articles on annuities and income: Bond Ladders & Income […]
Bond Ladders & Income Annuities: Restoring the Sanctity of Fixed Income
I spent some time on Google, but could not ascertain the origins of the term fixed income. Presumably, it was just a simple description given to investments where all of the related cash flows were dictated per contractual obligation. For example, this could be something as simple as a government bond that pays fixed coupons […]
Optimizing Fixed Annuity Tax Deferral
DISCLAIMER: This article discusses topics at the nexus of investments, annuities, and taxes. This article does not provide and should not be construed as providing tax advice. In order to assess tax benefits specific to annuities, we assume they are held in taxable (non-qualified) accounts unless otherwise specified. OVERVIEW Annuities are popular tools for retirement […]
Dividends Are Different
OVERVIEW There has been abundant discussion regarding the utility of dividends. Many investment models rely on factors or other strategies in their attempt to increase returns or reduce volatility. These approaches generally focus on total returns and brush dividends under the rug. Some go further and argue specifically against dividends – occasionally likening dividend advocates […]
Retirement Income Generation 101
Introduction to Retirement Income The stakes are high when it comes to retirement income. Unfortunately, salesmanship and conflicts of interest are rampant in the financial services industry. In most cases, the investment advice you receive will be a direct result of the type of financial professional you speak with (e.g., broker vs advisor vs insurance […]
Structured Financial Planning
Our Structured Investment Income (SII) strategy attempts to extract the primary advantages of annuity and SWR strategies while addressing two of their major drawbacks: costs and market dependency.