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INCOME TO OUTCOME: INVESTING IN RETIREMENT

Sponsored by PIMCO

One of the most important goals for investors facing retirement is the comfort of knowing that they can sustain their desired level of spending throughout their lives, without the fear of running out of money. PIMCO's retirement framework seeks to provide advisors and investors a simple way to approach retirement investing and aims to address the desire for both predictable income and long term growth — without giving up control or the ability to change course. PIMCO's Retirement Income Analysis tool allows advisors to implement a framework and create personalized retirement income plans for clients nearing or in retirement.

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Articles and White Papers



INVESTOR PERSPECTIVES ON RETIREMENT PLANNING       

From Investments & Wealth Research

In this edition of Investments & Wealth Research, Cerulli Associates examines key trends shaping the way investors and advisors approach retirement.

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21ST CENTURY REVERSE MORTGAGES: DON'T IGNORE THIS IMPORTANT RETIREMENT-PLANNING ASSET    

From the Investments & Wealth Monitor

Financial advisors are well-positioned to help clients explore using reverse mortgages to optimize retirement security.

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HOW COMPETITIVE ARE INCOME ANNUITY PROVIDERS OVER TIME?     

Research of Interest

Annuities can be more difficult to evaluate than mutual funds because annuity expenses can be opaque, financial strength matters, and insurer competitiveness can change over time. This research finds significant variation in the payout rates across providers over time.

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THE GREAT AMERICAN RETIREMENT FRAUD    

Research of Interest

Despite benign but misleading rhetoric about enhancing retirement security for everyone, the real beneficiaries of retirement-reform legislation have been higher-income earners, who would save for retirement even without tax subsidies, and the financial-services industry.

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CONTROLLABLE FACTORS AND UNCONTROLLABLE RISKS IN A RETIREMENT SPENDING PLAN: USING A REGISTERED INDEXED LINKED ANNUITY TO MITIGATE RISK EXPOSURE   

From the Retirement Management Journal

When creating a retirement spending plan, an advisor and client seek to maximize consistent, sustainable spending. We examine the impact to probability of success when an advisor and client make changes to the factors they can control, then quantify the portfolio’s exposure to uncontrollable risks.

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THE ROLE OF ANNUITIES IN AN INCOME-STARVED ENVIRONMENT    

From the Investments & Wealth Monitor

Annuities can generate a guaranteed lifetime income stream, improve client outcomes, and allow for more aggressive asset allocation in the remaining portfolio.

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Online Education and Podcasts


BEHAVIORAL FINANCE TACTICS TO IMPROVE RETIREMENT READINESS     

On-Demand Recording

Advisors who can help clients prepare emotionally for financial challenges, risks and opportunities will deliver a service beyond which any digital advice provider can emulate, but doing so means focusing less on spreadsheets and more on coaching clients to incorporate the latest behavioral finance lessons. Expert Herman Brodie explains how helping clients better estimate abstract concepts like probabilities, longevity, and cognitive decline are among the steps that will better prepare them for retirement.

1 Hour of CE Credit.

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OPTIMIZING YOUR PRACTICE FOR GENS X, Y, AND Z    

Exceptional Advisor Podcast

Robert Powell, CFP®, editor of The Street’s Retirement Daily, interviews Frank Vilcnik, RICP®, Senior Regional Vice President of New York Life, on the great wealth transfer and the opportunity set for advisors in building a generation-resilient practice. Tune in to hear proven strategies to attract, serve, and retain Gens X, Y, and Z as core clients.

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HABITS OF A CHAMPION TEAM: THE FORMULA TO WINNING BIG IN SPORTS, LIFE, AND BUSINESS   

Exceptional Advisor Podcast

Dana Cavalea, the former director of performance for the New York Yankees, discusses in the podcast with Robert Powell, the editor of TheStreet’s Retirement Daily, what financial professionals can do to create a winning team and become a better leader. Cavalea also shares what he learned about winning from Derek Jeter and Mariano Rivera.

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ADVISING CLIENTS THROUGH THE CONTROLLABLE FACTORS AND UNCONTROLLABLE RISKS OF A RETIREMENT SPENDING PLAN

On-Demand Recording

This session uses Monte Carlo analysis to help you better understand the impact of changing the factors clients can control as well as how sensitive the portfolio may be to uncontrollable risks. Additionally, we’ll evaluate the efficacy of adding a registered indexed linked annuity with guaranteed lifetime income to a traditional equity and bond portfolio to help clients better handle the uncontrollable risks they will face in retirement.

1 Hour of CE Credit.

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WHY TAXES MATTER IN RETIREMENT W/ BRENDAN PAYNE AND JENG CHIU   

Exceptional Advisor Podcast

In the second of a multi-part sponsored series, Brendan Payne and Jeng Chiu, both vice presidents of national sales consulting at Delaware Life, discuss with Robert Powell, editor of Retirement Daily on TheStreet, why taxes matter in retirement and the importance for financial professionals to create retirement income strategies that help clients minimize income taxes over the course of a long retirement.

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PLAN FOR THE 21ST CENTURY RETIREMENT    

On-Demand Recording

Older workers face a series of critical decisions as they transition from the workforce into retirement. These decisions, including when to retire, whether to work part-time, when to claim Social Security, how to deploy savings in retirement, selecting medical insurance, protecting against the risk of long-term care, where to live, how to enhance your health and longevity, and nurturing your social portfolio. Join Steve Vernon as he explains how retirement professionals are ideally positioned to help their clients navigate these decisions.

1 Hour of CE Credit.

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Institute Blog: Investment Sense

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Institute Announcements

  • Investments & Wealth Institute Announces First In-Person Event for 2022

    22 days ago
    The Investments & Wealth Institute (IWI), the premier professional association, education provider, and standards body for financial advisors, today announced details for their first 2022 in-person conference, the Investments & Wealth Forum, to be held Jan. 31-Feb. 1, in Fort Lauderdale. It will also be available on-demand ...

  • Digital Badges are Modernizing the Way Financial Advisors Display Their Expertise

    one month ago
    The Investments and Wealth Institute launches a competency-based education tool to help advisors gain traction in the digital age and share their credentials with investors and prospects.

  • Investments & Wealth Institute Announces 2022 Chair and New Board Members

    one month ago
    The Investments & Wealth Institute (IWI), the premier professional association, education provider, and standards body for financial advisors, today announced the Chair-elect and new members of the 13-member Board of Directors.


Professional Development

INSTITUTE PROFILES:

Ashok S. Ramji, RMA®, CFP®, CDFA®, CHFC®, CLU®, RICP®

"There’s more confidence post-RMA® certification. It helps the clients, it helps me. The RMA® curriculum provides a framework for looking at things truly across the silos.”

Read Ashok's Story





Institute Events

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