Retire With Style

Episode 80: Protection as An Asset Class

In today's episode, Alex and Wade discuss Wade's recent research paper, "Protection as an Asset Class." After getting into a discussion of what an asset class means, they talk about two ways to think about a structured annuity as an additional asset class. First, from an accumulation perspective, they consider it's risk and return characteristics compared to stocks and bonds. Then they delve into the retirement income aspect of using risk pooling through the annuity as part of supporting lifetime spending goals. In both cases, they deem it reasonable to think of the protections offered by a structured annuity as an asset class that can contribute positively to financial planning outcomes. Listen now to learn more! 
 
Links 
"Protection as An Asset Class" By Wade D. Pfau, PH.D., CFA, RICP®-  https://www.protectedincome.org/research/protection-as-an-asset-class/
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 
 
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Episode 79: RISA® in Action: How the RISA® points to potential starting point and potential ending point for couples and their retirement income strategy.

We speak with Michael Demkiw, from Third Tier Wealth Management. Michael discusses how his interactions with the RISA® have helped him take a step back and realize how he now interacts differently with clients. A sort of “before and after RISA®” largely driven by a better understanding of how to present solutions that fit into an individual’s psychology. Michael also discusses a few client stories in which spouses had different RISA® results and how he helped them come up with a plan that fit both styles. In addition, Michael further details the implementation matrix and how identifying individual implementation personas (i.e., delegator, collaborator, self-directed, and validator) helps set the cadence for prospect meetings. Listen now to learn more!
 
Links:
https://thirdtierwealth.com/about-us/
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors
 
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

Episode 78: Can you mix retirement income with accumulation? Breaking down living benefits, RILAs, and annuities as an accumulation tools

In this episode, we discuss how you can obtain lifetime income from a fixed-index annuity without annuitizing your contract, and how they are also comparable to more income dedicated options. We also discuss one of the most popular and fastest growing annuities out there- the Registered Index Linked Annuity (RILAs). We detail how RILAs are structured and how you can create more market-driven structured returns in their implementation. In conclusion, we detail why the tax characteristics of certain annuities enable you to utilize them as asset accumulation tools in addition to their insurance component. Listen now to learn more! 
 
Links
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 
 
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Episode 77: RISA® in Action: How the RISA® is used for clients to transition clients into a retirement income plan.

We speak with Jessica Wunder, CFP®, RICP®, CRPC® and Alana Light, CFP®, RICP® from McLean Asset Management about how the RISA® is used to transition clients into a retirement income plan. We discuss the optimal time to introduce the RISA, what happens if the RISA® points to something different than what a client is currently doing, and how the RISA® can be used by couples who are also transitioning the financial responsibilities between them as they age. Listen Now to learn more! 
 
Links:
McLean Asset Management: www.mcleanam.com/contact-us/
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors
 
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

Episode 76: Fixed Index Annuities: Do they present a best of “annuity” types for retirement income?

As in the previous episodes on annuities, Wade and Alex break down the components of Fixed Indexed annuities (FIAs). They detail the most salient features common across their contract structures and help you determine what features are right (or wrong) for what you are trying to accomplish within a retirement income strategy. They also break down the main differences and similarities between FIAs and income and variable annuities. Listen now to learn more!
Links
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors 
 
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Episode 75: RISA® in Action: Using the RISA® as a retirement income planning teaching tool for individuals.

Wade and Alex speak with Charles Pettit who runs a series of financial education courses for the public called Financial Foundations Course. While open to all, Charles developed this course to help the underserved individuals in the military and their families make more informed financial decisions. Charles shares his fascinating arc and we are honored that the RISA® has a small role to play in his very big story. Listen now to learn more!
 
Links
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors **PLEASE NOTE: Since the live recording of this episode, this event has been rescheduled to August 28th and 29th.**
CSP Financial Group: https://www.cspfinancialgroup.com/
 
 
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

Episode 74: Variable Annuities and their practical considerations.

In this episode, Wade and Alex discuss the practicalities variable annuities. They take all, the terms from the first episode and point of their real life implication so you can  become an informed consumer if they fit your retirement income style. Listen now to learn more!
 
Links
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors **PLEASE NOTE: Since the live recording of this episode, this event has been rescheduled to August 28th and 29th.**
 
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips

Episode 73: RISA® in Action: Clarify the retirement income options available to your clients so they understand themselves better.

Wade and Alex speak with Larry Greenwald of BlackDiamond Wealth about how he uses the RISA® to clarify his messaging to clients about their retirement income options. We dig deep into Larry’s wealth of experience where he describes how it was difficult to express to clients potential retirement income approaches and how the RISA® fast forwards that process in a clear and understandable manner. Listen Now to learn more!
 
Links
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors **PLEASE NOTE: Since the live recording of this episode, this event has been rescheduled to August 28th and 29th.**
BlackDiamond Wealth: https://blackdiamondwealth.com/
 
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"

Episode 72: Variable Annuities. When they are useful as a retirement income planning option.

As in the previous episodes on annuities, Wade and Alex break down the components of variable annuities. They detail the most salient features common across their contract structures and help you determine what features are right (or wrong) for what you are trying to accomplish within a retirement income strategy. They also go into some of the most frequently asked questions surrounding variable annuities. Listen now to learn more!
 
Links
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors
 
This episode is sponsored by Retirement Researcher https://retirementresearcher.com/. Download their free eBook, 8 Tips to Becoming A Retirement Income Investor at retirementresearcher.com/8tips
 

Episode 71: RISA® in Action: How to use the RISA® for client discovery meetings that lead to effective retirement plan options.

First and foremost, RISA® aside- It is a wonderful episode demonstrating the power of the Hunter family!
Alex and Wade speak to the father and son combo of Brad and Hunter. Hailing from the Ozarks, they discuss how they utilize the RISA® the get to the heart of the matter with their prospects. They describe their RISA® process and how it facilitates the presentation of different retirement income options based on the individual profile. Additionally, they discuss how they then provide solutions across their firm. Three generations of financial professionals can’t be wrong! Listen now to learn more!
 
Links
Join our Retirement Income Masterclass to learn about the RISA® and how to use it and market it within your practice. Sign up here: www.risaprofile.com/advisors
Find out more about Brad and Hunter- https://guaranteedsafemoney.com/
 
This episode is sponsored by McLean Asset Management. Visit https://www.mcleanam.com/roth/ to download McLean's free eBook, "Is a Roth Conversion Right For You?"