I found a fascinating white paper that I believe advisors will find thought-provoking and might change their views on retirement planning. To download the paper, click on the following:
Insurance company Life Expectancy (LE) numbers—I trust life insurance companies more than the US Govt when it comes to LE. The following is a life insurance company chart as it pertains to clients of various ages and their underwriting status. The 1st chart is individual LE, and the 2nd chart is joint LE.
When you are putting together a “retirement plan” for clients, what LE are you using?
Table of Contents for Lifespan White Paper
https://advisorshare.com/lifespan-white-paper
| Is Our Industry Prepared for Retirees’ Longer Lifespans? | 1 |
| Could the First Person to Live to be 150 Years Old be Alive Today | 2 |
| How Our Industry Has Changed | 4 |
| The Effect of Inflation if We Live Longer | 4 |
| The Sequence of Risk Reexamined | 10 |
| The Retirement Investment Paradox™ | 13 |
| The Sequence of Inflation Risk | 16 |
| Multi-Generation Retirement™ | 19 |
| The Longevity-Inflation Impact | 20 |
| Target Sustainability Rate | 21 |
| The Retirement Real Return Rule | 24 |
| The Retirement Real Return Rule in Various Scenarios | 25 |
| A 3% Withdrawal Rate | 26 |
| A 4% Withdrawal Rate | 28 |
| A 5% Withdrawal Rate | 30 |
| Closing Thoughts | 32 |
Guaranteed Income-for-Life Products for the Affluent—26-Page White Paper
I recently did a newsletter on my new guaranteed income-for-life product white paper. That paper tells the mathematical story as to why income rider products can be a vital tool in a client’s retirement plan. When you understand the true life expectancy of a client, income rider products are even more useful/powerful.
To download this EYE-OPENING white paper, click on the following link or image:
