Boomer Market Advisor April 2009
Cover Story
Believe it. Making the case for boomer annuities
Annuities for high-net-worth investors; for many advisors, it's an oxymoron. Pricing and suitability issues remain a problem, they say, and the product's compensation structure simply...
Features
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Surviving the financial 'fix'
Fundamental changes in financial market oversight appear imminent amid a prevailing sense of regulatory impotence, says Barry P. Schwartz, a partner at ACA Compliance Group,...
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Top 25 variable annuity contracts
The "flight to fixed" has many readers no doubt wondering why we're featuring the top 25 variable annuities. Good question, one we thought long and...
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2009 Advisor of the year finalists
What may seem like a silly contest is anything but, and this year's Advisor of the Year finalists have added significance. Not to take anything...
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Increase your boomer reach
When it gets this bad, the need for client contact is magnified significantly. With a steady diet of bad news, it's only natural that boomers...
Columns
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The science (and art) of distribution planning
Retirees' first steps into the income-distribution phase of their lives come with a great deal of stress - and fear. The standard rules of thumb...
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Six crucial keys to retirement security
As a result of the economic climate, boomers in or near retirement need to do a better job of playing all the keys that contribute...
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What's next for advisor tech?
Gathering insight on the changing technology trends and challenges advisors face, I turned to Marvin Clark, chief technology officer for Woodbury Financial Services Inc --...
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Prepare for the if and the when
First Bernard Madoff. Now Sir Allen Stanford. Stanford, the colorful sponsor of cricket, polo, tennis and sailing events relished his access to the rich and...
Departments
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Retirement based on too many 'wild cards'
Have baby boomers saved enough for retirement? Short answer ... no. But that also depends on the baby boomer. How much an individual needs to save...
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Affluent investors are no exception
If only there was a bailout for retirement. In January, Bell Investment Advisors' "Affluent Boomers at 60" survey found that of the clients who've changed...
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Boomer home equity plunges 45 percent
One in three boomers selling their home today will have to use out-of-pocket money just to cover the mortgage and transaction costs. The housing collapse...
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Boomer unemployment rate lower than other age groups
By last December, 1.4 million of the 11.1 million unemployed Americans were age 55 and older, and 32 percent of those job seekers had been...
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SSA not ready for retirement flood
The U.S. Government Accountability Office is worried the Social Security Administration won't be able to handle both the increase in claims and the wave of...
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Retirement advisors: Your time to shine
It almost goes without saying that 2009 will mark a sea of change in the financial advisor space. The business of providing advice to clients...
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Weighing the differences: African American and White boomer investors
Disparities between African American versus White boomer retirement savings patterns are important for financial advisors to examine. Since 1998, Ariel Investments and Charles Schwab have...
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Widespread panic - Sharp decrease in global fund assets
Mutual fund assets worldwide decreased 12.1 percent to $21.66 trillion at the end of the third quarter of 2008 according to the Investment Company Institute....
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Back in black - European fund inflows rebound
Let's hope it's a harbinger of things to come. Financial Times reported a fund industry rebound in Europe in January. According to the paper: Asset managers...
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Target-date-fund tweaks
Not that we're all that surprised (they are mutual funds after all), but target date funds are a major disappointment. After an "investing made easy"...
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Avoid long term disaster
Due to a recent decline in disposable income (to put it mildly), clients might feel long term care insurance is a "luxury" they can no...
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