Annuity Insights

Produced by The American College of Financial Services, in partnership with New York Life Annuities.   This season of Annuity Insights: Women and Wealth has given financial advisors a research-backed look at the retirement income planning challenges that shape women’s financial lives. In this season finale, host Michael Finke is joined by executive coach Andrea Nierenberg and New York Life Annuiti...

Produced by The American College of Financial Services, in partnership with New York Life Annuities.   Long-term care planning is a critical part of retirement resilience planning, especially for women who are more likely to serve as caregivers and may also face longer care needs later in life. Health and care risk can affect more than the balance sheet; it can reshape family roles, housing decisi...

Produced by The American College of Financial Services, in partnership with New York Life Annuities.  Solo retiree planning requires more than a standard retirement income plan. For women who are divorced, widowed, single by choice, or planning for the possibility of being uncoupled later in life, longevity risk and duration, housing decisions, caregiving responsibilities, and confidence with long...

Produced by The American College of Financial Services, in partnership with New York Life Annuities.   Women’s retirement risk tolerance is shaped by more than portfolio preferences. Household structure, income needs, longevity risk, and relationship dynamics can all affect how clients think about security, flexibility, and market exposure. In this episode, Michael Finke, Theresa Gralinski, and Li...

Produced by The American College of Financial Services, in partnership with New York Life Annuities.   From divorce and death and widowhood and job loss, many unexpected life transitions can affect your clients’ financial situation. Planning for such changes in advance is an essential part of a sound strategy. In this episode, Michael Finke, Stephen Vinson, and Jodi Krausman discuss how advisors c...

Produced by The American College of Financial Services, in partnership with New York Life Annuities.   How can financial advisors prepare clients for caregiving responsibilities that disrupt earnings, savings, and long-term retirement planning? In this episode, host Michael Finke and guests Kaylee Ranck and Jen McCauley-Weiss explore caregiving and financial planning through the realities women of...

Produced by The American College of Financial Services, in partnership with New York Life Annuities.   How do advisors help clients make smarter Social Security timing decisions - especially when longevity, survivor income, and household earnings histories are all in play? In this episode, our host Michael Finke and guests Brian Doherty, and Dana Anspach explore how claiming strategy can shape ret...

Produced by The American College of Financial Services, in partnership with New York Life Annuities.   What do five years of women & wealth research actually tell financial advisors — and are they listening? In this kickoff episode, Michael Finke, Theresa Gralinski, and Jean Chatzky unpack the data behind women's retirement planning and what it means for how advisors show up, communicate, and...

In this episode, we look at public confidence in annuity products, including how they are perceived by consumers and the press and why they may be more useful than many are led to believe. In addition, we examine how using annuities can help advisors and clients formulate more positive financial behaviors. Presented By: Michael Finke, PhD, CFP®, Professor of Wealth Management, The American College...

In this episode, we examine the fundamental math behind how annuities work — specifically focusing on their lifetime withdrawal benefits and the best ways to maximize their potential. The discussion also covers connections of annuities with insurance, working with wholesalers to develop future plans, liability potential, and more. Presented By: Michael Finke, PhD, CFP®, Professor of Wealth Managem...

In this episode, we examine the value and uses of annuities from an actuarial perspective, taking into account life expectancies, time horizons, and best product solutions for a wide array of potential clients. We also look at what the future may hold for annuity products that can be tailored and marketed to the needs of clients at different stages of life. Presented By: Michael Finke, PhD, CFP®,...

In this episode, we dive deep into the fundamental and advanced principles surrounding annuity taxation and how it can impact the decisions both you and your clients make. This includes ideal times to begin taking distributions, managing premiums and expectations, beneficiary endorsements, and more. Presented By: Michael Finke, PhD, CFP®, Professor of Wealth Management, The American College of Fin...

In this episode, we take a closer look at some common myths and misconceptions about annuity products and set the record straight. Questions you’ll see addressed include: are annuities really that complicated? Is the money invested in an annuity worth it? Are there tax benefits for using annuities? And how do you tailor annuity options to your clients’ goals? Presented By: Michael Finke, PhD, CFP®...

In this episode, we examine how financial services companies and other providers support clients’ journeys when it comes to annuities through different phases of their lives. These include support given both directly to clients and consumers as well as guidance to financial professionals, how that support can stay consistently excellent, and the role ongoing education best practices play in delive...

In this episode, we discuss the benefits of guaranteed income annuities as part of a diversified investment portfolio, especially during periods of market uncertainty. Our guests also explore what happens to benefits when those who own an annuity pass away, the advantages of annuities when compared to bond products, and their overall place in a goal-based retirement plan. Presented By: Michael Fin...

In this episode, we discuss the uses, regulations, and rates surrounding fixed annuity products such as FIAs, RILAs, and MIGAs, and where they fit into a balanced portfolio. We also look at the risks and rewards and the differences between the various types of fixed annuities, as demonstrated by the latest research. Presented By: Michael Finke, PhD, CFP®, Professor of Wealth Management, The Americ...

In this episode, we discuss the nature of Social Security benefits as a fundamental annuity and how it can help people have a financially secure retirement when combined with personally owned annuities and other financial planning strategies. Presented By: Michael Finke, PhD, CFP®, Professor of Wealth Management, The American College of Financial Services. Featuring: Jason Fichtner, PhD, Chief Eco...

In this episode, we discuss the overall role of annuities in financial planning, their background and history, and what their modern applications may be. Presented By: Michael Finke, PhD, CFP®, Professor of Wealth Management, The American College of Financial Services. Featuring: Wade Pfau, PhD, CFA, RICP®, Founder, RISAProfile.com “Annuity Insights” is produced and owned by The American College o...