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Blog + Articles

An Antidote To Advisors-Gone-Wrong: Opinion

{September 16th, 2014} by Linda Koco

Wouldn’t you know it? Just as I was reading about the inaugural National Financial Advisor Week that is getting underway this week in Times Square, along came some rain on the parade. The event is designed to celebrate “the excellent work financial advisors do for investors.” A sunny hello to that. But then there was […]

Financial adviser sentenced to five years | US District Court

{September 16th, 2014} by N/A

A long-time Kenmore, Washington financial adviser was sentenced today in U.S. District Court in Seattle to five years in prison for mail fraud and Social Security Number fraud, announced U.S. Attorney Jenny A. Durkan. Edward H. Kahler, 65, was the owner of Key Resources, a Kenmore, Wash. retirement consulting company which sold annuities and life […]

10 things to know about whole life insurance

{September 16th, 2014} by Stephan R. Leimberg, Robert J. Doyle, Jr., Keith A. Buck

Whole life insurance, as the name implies, is a contract designed to provide protection over the insured’s entire lifetime. There are many types of whole life policies, but the oldest and still the most common type of whole life policy is ordinary level premium whole life insurance, or simply ordinary life. This form of insurance […]

Andrew Madoff leaves more than $15 million to family, fiancée

{September 16th, 2014} by Chris Dolmetsch

(Bloomberg) — Andrew Madoff, the son of convicted Ponzi schemer Bernard Madoff, left more than $15 million in property to his children, wife and fiancée in his will following his death from lymphoma this month. Andrew Madoff listed $11 million in personal property and $4.5 million in improved real property in his will, which was […]

How the insurance industry is being disrupted

{September 16th, 2014} by Lynette Gil

Disrupt: n. Disturbance or problems which interrupt an event, activity or process. – Oxford Dictionaries In an age where everything and everyone is being “disrupted,” where even TechCrunch, a technology news site, has its own set of conference-type events in different countries called TechCrunch Disrupt (recently featured on the HBO TV show Silicon Valley), and […]

Two-thirds of small biz owners plan to retire within 10 years

{September 16th, 2014} by Warren S. Hersch

New research from Asset Life Settlements points to an increase in the supply of corporate-owned life insurance (COLI) policies brokered in the secondary market due to business owners seeking to cash out and retire. “The improving economy and financial performance of small businesses is the driving force behind the recent spike in the sale of […]

5 ways to sell life insurance to millennials

{September 15th, 2014} by Lynette Gil

“To sell or not to sell life insurance to millennials, that is the question” – from William Shakespeare’s newly discovered blog series, Two Noble Insurancemen. OK, that’s not a real blog by the English renaissance playwright and poet. And this should not be a question you have to ask yourself. Click here to read…

Nationwide Reorganizes Leadership, Units to Implement Brand Consolidation

{September 15th, 2014} by Michael Buck

COLUMBUS, Ohio – Nationwide Mutual Insurance Co. is reorganizing parts of its leadership and unit structure as it works to implement its brand consolidation strategy, according to a company statement. The company is focusing its organization around three primary business units: Nationwide Property & Casualty Agency Operations; Nationwide Direct and Member Solutions; and Nationwide Financial. […]

AIG’s Deremo: Consumers Need More Useful Life Products

{September 15th, 2014} by Lee McDonald

OLDWICK, N.J. – John Deremo, American International Group Inc.’s head of distribution for life products, said longer life spans and limited savings mean Americans will require life products that perform multiple functions. Deremo talked to A.M.BestTV as part of special coverage of Life Insurance Awareness Month. View the video version of this interview at: http://www.ambest.com/v.asp?v=deremo914 […]

NAIFA’s message to Congress: Leave our products alone

{September 15th, 2014} by Warren S. Hersch

Congressional efforts to secure more than $3.2 trillion in new revenue by rolling back financial services industry tax benefits could be realized if advisors don’t make their voices heard on Capitol Hill next year. That was the overriding theme of a Legislative Forum at the 2014 Career Conference and Annual Meeting of the National Association […]

State Roundup

{September 15th, 2014} by Pam Heinrich

A Brief History of the NAIC Model Laws Affecting Fixed Annuities In the 143 years since the National Association of Insurance Commissioners (NAIC) passed its very first model law in 1871 (related to the standardization of fire insurance policies), the NAIC has adopted some 193 different model laws or regulations, along with an additional 16 […]

LICENSED TO SELL… AND STAY COMPLIANT!

{September 15th, 2014} by Kim O'Brien

MESSAGE FROM THE PRESIDENT There have been a number of significant developments in state actions against sellers of annuities that provide great insight into what regulators and prosecutors are watching these days. In the last issue of Annuity Outlook Magazine, we spoke about the “State of the States” on these same pages and provided a […]

Smart, driven, successful people often network with others just like them; Pass the word!

{September 15th, 2014} by Kristin Percival

Sammons Financial Group Member Companies has an immediate opening in our West Des Moines office for an experienced Internal Sales Support Consultant.  To find good people we look to good people, like you, to help us spread the word! We are seeking motivated individuals who: Enjoy answering 65+ inbound calls per day assisting agents and […]

Why Some Don’t Sell Fixed Annuities: Opinion

{September 15th, 2014} by Linda Koco

Industry researchers are reporting sales growth for fixed annuities, especially the fixed index annuity (FIA), during the first half of 2014. But are most producers selling them? No, according to a study from Cogent Reports. The researchers decided to find out why. The results — especially the reasons cited by insurance agents — are a […]

Nationwide Names Executives, Divisions Under One-Brand Strategy

{September 12th, 2014} by N/A

Nationwide Mutual Insurance Co. has realigned its internal structure and named new division leaders, one week after announcing it is bringing all of its product lines under the single brand, Nationwide. Last week Nationwide Mutual Insurance Co. said it will use the Nationwide brand for all of its products and subsidiaries and drop the use […]

Top-earning broker-dealer CEOs

{September 12th, 2014} by Trevor Hunnicutt

What goes up sometimes also goes back down Data on executive compensation at major Wall Street banks and broker/dealers was released this week by SNL Financial. The data looks at top compensated chief executive officers at firms that are publicly traded. We’ve excerpted the chief executives running firms that manage platforms used by retail financial […]

Allstate Bets on Timber, Property to Help Annuity Result

{September 12th, 2014} by Zachary Tracer

Allstate Corp. (ALL) is betting on timber and real estate to boost returns at a struggling annuity unit. “We do need to figure out what we do with our annuity business,” Chief Executive Officer Tom Wilson, said at an investor presentation today. “It’s still not where we’d like it to be on a long-term basis, […]

Don’t Let Clients Fall Into A Beneficiary Form Trap

{September 12th, 2014} by Linda Koco

Filling out the beneficiary form for annuities might seem simple. Just fill in the names and move on. But Jeffrey Levine, an individual retirement account (IRA) consultant with Ed Slott and Co., said those simple-looking forms might harbor traps for agents and advisors, and ultimately their clients. One trap pops up if the client fails […]

Insurance broker AmeriLife taps Evercore for sale -sources

{September 12th, 2014} by Greg Roumeliotis and Mike Stone

(Reuters) – Insurance marketing and brokerage firm AmeriLife Group LLC is exploring a sale that could fetch as much as $500 million, and has hired investment bank Evercore Partners Inc to assist with that effort, people familiar with the matter said on Friday. Founded in 1971, AmeriLife develops, markets and sells annuity, life and health […]

Fla. Pastor Gets Prison For Insurance Scheme

{September 12th, 2014} by The Associated Press

RICHMOND, Va. (AP) — A Florida pastor has been sentenced to more than five years in prison after pleading guilty inVirginia to a life insurance scheme. The government says 46-year-old Nathaniel A. McNeil’s scheme victimized more than 1,200 people. U.S. Attorney Dana J. Boente (BEN’-tay) says McNeil was sentenced Friday to 68 months in prison […]

Society of Actuaries Names Craig Reynolds as President-Elect

{September 11th, 2014} by PR Newswire

PR Newswire SCHAUMBURG, Ill., Sept. 11, 2014 SCHAUMBURG, Ill., Sept. 11, 2014 /PRNewswire-USNewswire/ — The Society of Actuaries (SOA) announced the results of its member voting, with Craig W. Reynolds, FSA, MAAA, selected as President of the SOA for the 2015-2016 term. Reynolds will serve as President-Elect during the association’s 2014-2015 year. Based in Seattle, […]

Response to Andrew Silva, Financial Planning

{September 11th, 2014} by NAFA Response

NAFA Response to Annuity Sales Up, But Should They Be? Financial Planning By Andrew Pavia September 10, 2014   Annuity sales are up, even as some experts question whether certain products make sense for clients in a low-interest rate environment.   In the second quarter, industry-wide annuity sales reached the highest level in three years, […]

Wells Fargo pushes insurers to lower commissions on indexed annuities

{September 11th, 2014} by Darla Mercado

Wells Fargo Advisors is pushing for lower commissions and shorter surrender schedules on indexed annuities — a move that is likely to garner a lot of attention among insurers and broker-dealers. On Monday, Wells Fargo kicked off its newly updated annuity platform to offer indexed annuities, which are fixed annuities that credit a minimum guaranteed […]

Does The Industry Have A Tax-Expenditure Or A Tax-Revenue Problem?

{September 11th, 2014} by Cyril Tuohy

The issue of insurance industry tax expenditures figured high on the agenda of the National Association of Insurance and Financial Advisors (NAIFA), which met in San Diego this week for its annual convention. Whether the government eventually manages to roll back tax exemptions across the board or pick off insurance-related pieces from the expenditures list […]

Life Insurance Activity Up 0.6%

{September 10th, 2014} by N/A

Braintree, MA. (September 10, 2014) — U.S. application activity for individually underwritten life insurance rose +0.6% in August year-over-year, all ages combined, according to the MIB Life Index. Modest growth in the composite Index for a second consecutive month may be cause for cautious optimism against a backdrop of five prior consecutive quarterly losses. The […]

SEC Still Looking At Fiduciary Rule Options: Opinion

{September 10th, 2014} by Linda Koco

In Senate testimony this week, the chair of the Securities and Exchange Commission (SEC) made clear that the SEC is not yet clear on the final direction the agency will take on proposals to expand the fiduciary standard to the retail investment advice community. While a clear/not-yet-clear signal may seem to be too fuzzy to […]

Wink office

Wink’s Ribbon Cutting Ceremony

{September 10th, 2014} by Jamie Johnson

Wink  recently joined the Pleasant Hill Chamber of Commerce and celebrated their location in Pleasant Hill, Iowa on Tuesday September 9th, 2014 with a ribbon cutting ceremony.  Wink’s CEO, Sheryl J. Moore, purchased the building at 5148 E. University Avenue over two years ago after doubling her staff and outgrowing their previous office. The building, remodeled […]

Younger Adults Buy Fixed Annuities, Too

{September 10th, 2014} by Linda Koco

An annuity agency executive was reviewing the average age of his firm’s fixed annuity buyers when he noticed a shift. There was a bump-up in buyers who were under age 50 when they bought their policies, Ken Nuss said. For instance, fixed index annuity (FIA) buyers in the “under-age-50” category represented 26 percent of his […]

A Look At The Life Insurance Gap

{September 10th, 2014} by Cyril Tuohy

Maybe it’s that life insurance has a marketing problem. Maybe it’s the competition with retirement and investment products. Or maybe it’s just that there are fewer life insurance agents willing to sit down at the kitchen table for a tete-a-tete about family protection needs. Why so many Americans are uninsured and underinsured for life insurance […]

Insurance Industry Blasts MetLife’s Preliminary SIFI Designation

{September 10th, 2014} by Jeff Jeffrey

WASHINGTON – Representatives of the U.S. insurance industry are roundly criticizing the decision by the Financial Stability Oversight Council to issue a preliminary systemically important financial institution designation to MetLife Inc. The American Council of Life Insurers issued a statement shortly after the FSOC’s decision was handed down, saying the organization was “extremely disappointed” by […]

Insurance Agent Charged In $100,000 Grand Theft

{September 10th, 2014} by Targeted News Service

LOS ANGELES, Calif., Sept. 9 — The California Department of Insurance issued the following news release: Isidro Santillan, 53, of Pacoima, was arrested in August and charged with 13 counts of grand theft and three counts of commercial burglary. Santillan allegedly stole more than $100,000 by selling insurance policies and bonds to licensed contractors and […]

LIMRA’s Kerzner: Life Industry Needs to Move Beyond Life Events

{September 9th, 2014} by Lee McDonald

WINDSOR, Conn. – LIMRA President and Chief Executive Officer Robert Kerzner said he believes life insurers have huge untapped growth opportunity but must convince consumers that life insurance is a necessity, not just a purchase tied to major life events. Kerzner was interviewed as part of special coverage of Life Insurance Awareness Month. LIMRA recently […]

Fed to go easy on insurance companies

{September 9th, 2014} by Arthur D. Postal

The Federal Reserve Board outlined for itself a very circumscribed role in regulating insurance companies. Specifically, it made clear that it doesn’t want to preempt the role of state insurance regulators in overseeing the traditional activities of insurance companies. In an appearance before the Senate Banking Committee, Daniel Tarullo, the Fed governor most directly associated […]

Boomer Esiason Steps Up for Life Insurance Awareness

{September 9th, 2014} by Lee McDonald

OLDWICK, N.J. – Former pro football star Boomer Esiason discusses events in his early life that led him to a new appreciation for the need for adequate life insurance protection. The retired NFL quarterback spoke with A.M.BestTV as part of special coverage of Life Insurance Awareness Month   Q: In this first episode of the […]

LIMRA: Second-Quarter US Sales of Individual Life Insurance Rose 1%

{September 9th, 2014} by Fran Matso Lysiak

WINDSOR, Conn. – The second quarter of 2014 continued to be slow for sales of individual life insurance in the United States as total sales, based on new annualized premium, rose 1%, according to LIMRA. Driving overall sales was individual whole life, which rose 6% during the period. For the first six months of this […]

Jobs Report: US Insurance Industry Adds 6,200 Jobs in August

{September 9th, 2014} by Jeff Jeffrey

WASHINGTON – The U.S. insurance industry continued its streak of growth in August, adding 6,200 jobs, the U.S. Bureau of Labor Statistics reported Sept. 5. The 0.25% seasonally adjusted increase followed the upward trend the industry has seen in recent months. The employment figures released by BLS show industry employment, which sits at roughly 2.43 […]

Coventry First CEO Calls AIG Unit’s Life Settlement RICO Lawsuit ‘Salacious,’ ‘Personal’

{September 9th, 2014} by Fran Matso Lysiak

FORT WASHINGTON, Pa. – Alan Buerger, chief executive officer of Coventry First, is calling a racketeering lawsuit filed by an indirect subsidiary of American International Group Inc. “salacious” and “personal as anything I’ve ever seen.” Lavastone Capital LLC, a subsidiary of AIG formerly known as AIG Life Settlements, sued Coventry First in the U.S. District […]

ING Name Vanishes From U.S.

{September 9th, 2014} by Megan Leonhardt

After nearly 40 years of seeing the ING name in the U.S. financial services industry, the remaining retirement, insurance and broker/dealer divisions of the company’s U.S. operations re-branded to the Voya name on Monday. Amsterdam-based ING Group, which purchased a number of U.S.-based companies starting in 1975, has slowly been divesting its global assets, including […]

Financial firms liking social media

{September 9th, 2014} by Marlene Y. Satter

Financial services companies are much better informed about social media than they were a year ago, and their plans for future use of such media are becoming more ambitious, refined and targeted. That’s according to LIMRA, which in 2013 asked the firms about their plans for social media. Answers a year ago were pretty much […]

AIG’s Expanded Operations Will Create 300 Jobs in Kansas

{September 9th, 2014} by N/A

American International Group Inc. held a grand opening Tuesday to celebrate its expansion in Olathe, Kan., which will bring 300 new jobs to the state by the end of 2015. Gov. Sam Brownback and AIG President and CEI Peter Hancock joined officials from AIG, the University of Kansas and Olathe at the ceremony. AIG’s expanded […]

Four Challenges That Make A Great Argument For Life Insurance

{September 9th, 2014} by Steve Sanders, LLIF. Senior Vice President and Chief Marketing Officer at Columbus Life. Steve may be contacted at steve.sanders@innfeedback.com.

Most life insurance professionals look beyond the life insurance industry for major trends that may impact our clients and our businesses. Policies at the federal level ranging from new health care laws to tax reform to budget challenges will have a major impact on our businesses in the coming years. At a minimum, they will […]

NAIFA YAT Forum panelist: Expect a new wave of life products

{September 8th, 2014} by Warren S. Hersch

In the coming years, many more carriers will offer products that allow owners of permanent policies to convert the cash value or death benefit into a single premium immediate annuity-like life income option. So predicted Michael Staeb during a panel discussion of young advisor team (YAT) members at the career conference and annual meeting of […]

Why clients want the new fixed indexed annuities

{September 8th, 2014} by Robert Bloink, William H. Byrnes

Fixed annuities have taken the market by storm this year, as carriers have responded to growing client demand for financial products that provide a guaranteed level of income. Much of this growth, however, has been driven by a new crop of fixed indexed annuity products that have been designed to allow clients to participate in […]

2014 annuity sales report: Industry-wide sales at highest level in three years

{September 8th, 2014} by Cathy Weatherford

The Insured Retirement Institute (IRI) today announced final second-quarter 2014 sales results for the U.S. annuity industry, based on data reported by Beacon Research and Morningstar, Inc. Reaching the highest mark in three years, industry-wide annuity sales in the second quarter of 2014 rose to $59.9 billion, a 6.8 percent increase from $56.1 billion in […]

Heard In The Hallways – NAIFA 2014

{September 8th, 2014} by N/A

Question: Will indexed universal life insurance sales continue to climb, level off or decline in the coming year? Why? “We’ll definitely see indexed universal life sales continue to climb — not just for the next year, but for the next couple of decades. That is, sales will keep rising provided that regulators don’t change the […]

AIG vs. Coventry First: Competing lawsuits on life settlements

{September 8th, 2014} by Arthur D. Postal

American International Group (AIG) and Coventry First, a leader in the life settlement market, are trading strong charges in competing lawsuits dealing with the appropriate interpretation of a 2006 deal where an AIG affiliate hired Coventry to help it acquire life policies in the then-booming life settlement market. The suits also expose for the first […]

Annuity Sales Reach Highest Level In 3 Years

{September 8th, 2014} by Cyril Tuohy

Consumer demand for protection and guaranteed income, particularly in fixed annuities, drove overall annuity sales to $59.9 billion in the second quarter. This is an increase of 9.9 percent over the year-ago period, the Insured Retirement Institute (IRI) announced. Overall annuity sales rose 6.8 percent over the first quarter, the IRI added, citing data provided […]

Wanted: Permanent Life Prospects

{September 6th, 2014} by Linda Koco

Northwestern Mutual, a long-standing advocate of permanent life insurance if there ever was one, has some sad news and some hopeful news about that product. Let’s get the pain over with first: The company’s new 2014 Planning and Progress Study found that only 22 percent of Americans currently own a permanent life insurance policy. This […]

Annuity Scams Can Drain Savings

{September 6th, 2014} by Drew J. Breakspear

  Elder financial exploitation is a growing problem. Many senior citizens have worked for decades, paid off their homes and saved money for retirement. However, these assets can make seniors a prime target for individuals who seek to financially exploit them. Seniors account for 13 percent of the U.S. population, and according to the Virginia […]

Partial annuitization: A useful planning strategy: Opinion

{September 5th, 2014} by Ed McCarthy, CFP

There’s an interesting and well-known dichotomy between researchers’ view of income annuities’ value and retirement plan participants’ behavior. Researchers correctly argue that guaranteed income annuities are excellent tools for covering retirees’ basic expenses and securing a lifetime income for one or two lives. Participants in defined contribution (DC) and defined benefit (DB) plans might agree […]

Fixed annuity sales rising in 2014, but why now?

{September 5th, 2014} by William H. Byrnes, Robert Bloink

New studies show that, despite relatively stable conditions, fixed annuity sales have increased considerably in 2014 over 2013, as a perhaps unexpected number of clients flock toward these traditional guaranteed income products. While it is unsurprising that products providing guaranteed income for retirees are popular, what is surprising is that the historical motivations behind an […]

American Equity Expands Contract Owner Offerings

{September 5th, 2014} by Business Wire

WEST DES MOINES, Iowa–(BUSINESS WIRE)–American Equity Investment Life Insurance Company, a leading underwriter of index and fixed rate annuities, announced two new enhancements affecting crediting methods and lifetime income benefit payouts. These developments mark an expansion on the Company’s robust annuity product line, which has already established American Equity as one of the top carriers […]

LIMRA: Whole life sales drive positive 2Q premium results

{September 5th, 2014} by LIMRA

Individual whole life new annualized premium increased six percent in the second quarter, according to LIMRA’s Second Quarter 2014 U.S. Individual Life Insurance Sales report. The increase, the LIMRA research reveals, boosted premium revenue for all individual life insurance products by one percent in the second quarter. For the first six months of 2014, however, […]

MetLife CEO ‘Strongly Disagrees’ With FSOC Preliminary SIFI Designation

{September 5th, 2014} by Jeff Jeffrey

WASHINGTON – MetLife Inc. has become the third insurance company to be designated as a systemically important financial institution. The Financial Stability Oversight Council voted unanimously to issue a preliminary designation during a Sept. 4 closed-door meeting. One FSOC member voted present. MetLife Inc. Chairman, President and Chief Executive Officer Steven A. Kandarian said the […]

Symetra CFO: Company Working to Become a National Player in Life Insurance

{September 5th, 2014} by Marie Suszynski

NEW YORK – Symetra Financial Corp., a U.S. stop-loss carrier, sees opportunity to grow its group life and group disability business to eventually “rival” its stop-loss operations, the company’s chief financial officer said. “We’re trying to build ourselves into a national player life insurance company,” Margaret Meister, executive vice president and CFO, said at the […]

Are Annuity Providers Prepared for Growth in Payouts Triggered by Treasury’s New Rule?

{September 5th, 2014} by Erik Stockwell

  Annuities enjoyed a strong run in the 1990s as an excellent savings accumulation vehicle, particularly for those above qualified plan savings limits. However, the new millennium has not been so kind to annuities with persistent low interest rates and significant equity market volatility. Annuity interest may soon be resurfacing in the form of payouts […]

Does employer stock rock retirement?

{September 5th, 2014} by Kevin Startt

When asked why he no longer visited a certain St. Louis restaurant, former Yankees Hall-of-Famer and coach Yogi Berra responded, “Nobody goes there anymore. It is too crowded.” This witty saying for employees, who have a bulk of their blood, sweat and tears in their company’s stock for their retirement plan and who are still […]

Social media content and “social LIMRA” takeaways: Opinion

{September 5th, 2014} by Lynette Gil

Are you sitting down and hopefully not drinking anything? OK, here it goes: There are more than 200 active social media platforms in the online world right now, and that’s not counting dating sites. But before you become overwhelmed: You don’t have to join all of these platforms. Click here to read…

Why we should revise the licensing requirements for selling annuities

{September 5th, 2014} by Michael Markey

During an interview with an editor from LifeHealthPro, I was asked the question, “What are you most excited about in this industry?” Part of my answer was that I am very excited about the ways in which our industry is evolving. NAFA and other industry powerhouses have done a tremendous amount of work to change […]

RetirePreneur: Sheryl J. Moore

{September 4th, 2014} by Jenna Gottlieb

What I do: I own two firms. The first, Moore Market Intelligence, assists with the product development of indexed annuities. The second is Wink, Inc., which provides competitive intelligence tools to life insurance and annuity product home offices, distributors, sales professionals, and consulting firms. My grandmother would say that I’m the president of an insurance […]

There’s more to business life insurance than the claims it pays

{September 4th, 2014} by Nichole Morford

Writing for Forbes, Steve Parrish makes a convincing case for business owners to consider life insurance, arguing that the product has transitioned from the equivalent of a landline phone with a single purpose in the home to a smartphone used for multiple purposes in commerce. Whether used to fund a buy-sell agreement, to protect a […]

Survey Finds Modern Families Gripped by Financial Insecurity

{September 3rd, 2014} by Katie Libbe

In 1970, nearly 40 percent of families in the U.S. identified as “traditional,” meaning those headed by a married opposite-sex couple having at least one child under age 21 living at home. Fast-forward 40 years and the picture of the American family looks quite different. Less than 20 percent of families now fit that traditional […]

How to Prevent Life Insurance Buyer Amnesia

{September 3rd, 2014} by Ron Sussman

For years, those of us in the life insurance industry have suspected – and bemoaned – that life insurance policies too often are tossed in a drawer immediately after being signed. Clients, we have feared, have not given their life insurance policies the same treatment they might extend to other forms of insurance, let alone […]

Women Share Their Secrets To Being Financially Prepared For Retirement

{September 3rd, 2014} by Mary Cornatzer, The News & Observer (Raleigh, N.C.)

Sept. 01–Jo Ann Williford, 61, retired in 2011. Sheri Green, 56, sees retirement on the horizon. The two Raleigh women have this in common: They see themselves as financially prepared. Part of their confidence comes from having worked for the state, which means guaranteed pensions “as long as the state retirement plan doesn’t go belly […]

Recession Took Bite Of Gen X Retirement

{September 3rd, 2014} by Cyril Tuohy

Many members of Generation X, the oldest of whom will be turning 50 next year, took huge hits to their incomes during the Great Recession and are only now beginning to recover — generally by putting off until tomorrow what they should be doing today. A new survey by the Transamerica Center for Retirement Studies […]

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