What's in the episode
“What we’re finding on the behavioral side is that the way we talk about this impacts people’s decisions,” Jason Fichtner said. “Age 62 is called the early eligibility... Read More
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Retirement Income
BY Nevin E. Adams, JD | 2/21/2023
In recent days—notably at the State of the Union address—Social Security is back in the headlines.
Granted, its invocation seems largely intended as a political dividing rod, but it seems today... Read More
BY John Sullivan | 2/7/2023
High-profile retirement income researcher David Blanchett came to the defense of Monte Carlo analysis this week, noting economist John Maynard Keynes’s famous quote that he’d prefer to be “vaguely... Read More
BY John Sullivan | 1/31/2023
We thought it was a sign of bipartisan hope in an increasingly divided Congress. This month, President Biden nominated Andrew Biggs, a Senior Fellow at the American Enterprise Institute... Read More
BY Nevin E. Adams | 1/25/2023
OneAmerica will become the first retirement plan provider to offer PensionPlus – a personalized retirement withdrawal strategy developed with co-founder Shlomo Benartzi.
According to a press... Read More
BY Charles E.F. Millard | 1/23/2023
More than three-quarters of employers say they are highly interested in incorporating a lifetime income solution into their plan. However, one important need must be met before realizing widespread... Read More
BY Ted Godbout | 1/18/2023
The findings of a new survey suggest that plan sponsors and advisors should be proactive in providing education and advice, as most near-retirees indicate they are looking for help to maximize... Read More
BY John Sullivan | 1/18/2023
Increasing and securing retirement income is “an area where Congress is willing to act,” high-profile retirement income expert Wade Pfau says, pointing to the SECURE 2.0 as proof.
The... Read More
BY Matt Gray | 1/10/2023
Like so many Americans, my dad retired with a plan. But, his six years in retirement so far haven’t gone as planned.
After a couple of years of retirement, my dad started doing some part-time... Read More
BY John Sullivan | 1/6/2023
Anyone sick of hearing about the so-called safe withdrawal rate? Bill Bengen’s high-profile 4% formula lasted almost three decades, but inflation, COVID, a war in Europe, and hyper-volatility caused... Read More
BY John Iekel | 12/19/2022
Social Security benefits don’t come out of thin air—it takes not only contributions but also formulae to determine benefit amounts. In a recent report, the Congressional Research Service (CRS)... Read More
BY Nevin E. Adams, JD | 12/13/2022
It’s ironic that programs designed to provide retirement income pay so little attention to the realization of that objective. Still, some have said that this could be the year for retirement income—a... Read More
BY Nevin E. Adams, JD | 12/9/2022
Some have said that this could be the year for retirement income—a combination of new offerings, volatile markets, and rising interest rates. This week we asked readers what they thought…
It’s... Read More
BY Judy Ward | 12/5/2022
The pandemic and health concerns have led some Americans to think about retiring earlier than they previously planned, and market volatility has heightened many pre-retirees’ nervousness about a... Read More
BY Nevin E. Adams, JD | 12/5/2022
Some have said that this could be the year for retirement income—a combination of new offerings, volatile markets, and rising interest rates. What’s your opinion?
It’s ironic that programs... Read More
BY John Iekel | 11/14/2022
Editor’s Note: this is the second in a two-part series on what can be done to help those who about to retire or already have to better prepare to finance their retirements. Part one is here... Read More
BY Nevin E. Adams, JD | 11/1/2022
The academics are at it again.
In a paper provocatively titled “The Life-Cycle Model Implies that Most Young People Should Not Save for Retirement” no fewer than four of them take 48 pages to make... Read More
BY NAPA Net Staff | 11/1/2022
Allianz Life’s latest guaranteed lifetime income product—Allianz Lifetime Income+ Annuity with the Lifetime Income Benefit—is now available in defined contribution plans nationwide, according to an... Read More
BY Ted Godbout | 10/23/2022
With retirement income becoming a top-of-mind issue in the defined contribution investment-only (DCIO) asset manager community, annuities apparently are gaining traction as an embedded component of... Read More
BY Ted Godbout | 10/19/2022
While most employees plan to rely on 401(k) savings to be their largest source of retirement income, only a small portion are confident in their ability to generate a retirement income strategy and... Read More
BY Nevin E. Adams, JD | 10/13/2022
There’s been a lot of bad news recently associated with the impact of inflation—but Social Security recipients got some good news this morning—and it bodes well for retirement savers as well.... Read More
BY Ted Godbout | 10/7/2022
As Americans experience the impact of inflation, a new survey finds that employee interest in guaranteed lifetime income investment options has apparently increased since 2021, but a few barriers... Read More
BY David Blanchett | 9/29/2022
Financial planning tools and retirement research predominately assume that retirement spending is effectively static, where the annual spending amount increases annually with inflation, regardless of... Read More
BY Ted Godbout | 9/15/2022
Despite knowing they could receive larger payments, very few American workers are planning to wait until age 70—the age at which an individual reaches their maximum monthly benefit—to begin taking... Read More
BY Ted Godbout | 9/13/2022
With one month of consumer price data left to go before a final determination, it appears near certain that the Social Security cost-of-living adjustment (COLA) for 2023 will be the highest in more... Read More
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