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There are hundreds of thousands of financial advisors who serve consumers of financial products and services. The moniker “Financial Advisor” has come to be an umbrella term that encompasses segments of intermediaries that serve different markets in different ways.
Among the advisors who populate each segment- registered representatives, RIAs, insurance agents, financial planners, etc.- [...]

François Gadenne has written extensively at this blog on retirement income issues including essays addressing the present and future activities of the Retirement Income Industry Association (RIIA).
In terms of today’s essay Francois wears a different hat. He writes from the perspective of his role as President & CEO of Retirement Engineering, Inc., where he is [...]

Nevada insurance regulators are portraying some sellers of annuities as people who are really “bad animals.”
National Underwriter Online Edition- June 19, 2007
Well, if annuity providers won’t use videos to compliantly communicate the value of their products then I guess regulators will use videos to stop their annuity sales.

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In early 2004 Wealth2k was beginning to define its role in the Boomer retirement income opportunity. While we had learned a lot about the demographic shift and financial impact of the phenomenon, we realized that we needed to educate people on the magnitude of the challenge that’s faced when ordinary folks convert accumulated retirement [...]

You may recall the four-part series entitled The Preventable Demise of the Fixed Annuity Industry. This series sought to identify the seeds planted years ago that have sprouted into the negative public image and distribution challenges facing today’s fixed annuity industry. It also led to an OpEd published by InvestmentNews.
The fourth and final installment presented [...]

With the second installment in his multi-part series on retirement-related behavioral issues, François Gadenne challenges us to think differently about how we will manage different sources of income when we’re retired.
Must We Learn to Budget In-Flows Differently in Retirement? So you think that a retiree’s Personal Income Statement looks like the one they had [...]

Retirement Income Industry Association (RIIA) Executive Director, François Gadenne, contributes regularly to this blog. Francois writes about retirement income-related issues as well as RIIA’s role in helping its members navigate through a variety of complex issues. Today he explains RIIA’s various membership categories and the benefits accorded to each.
Memberships cost money. Therefore, the first [...]

Senior Vice President, Heather Dzielak, heads-up the strategically important Retirement Income Security Ventures Group at Lincoln Financial. She is responsible for the strategic leadership of retirement income security strategy across markets, products and processes at Lincoln Financial. Dzielak reports directly to LFG’s COO, Dennis Glass. On November 13 of last year when announcing [...]

Is what I’m about to describe the next great life insurance sales opportunity? Is it possible to successfully market a life insurance policy designed to act as a personal defined benefit plan? Will individuals for whom limitations on retirement plan contributions make it impossible to fund adequate retirement incomes flock to a life insurance [...]

Last Friday I featured part one of a multipart series on behavioral finance by RIIA Founding Chairman & Executive Director, François Gadenne. In today’s second installment, François asks, “Why can’t we be happy with what we have?”
One of the consequences of having evolved in a world of scarcity is that we are built to work [...]

During the first half of May François Gadenne stepped into my blogger role and contributed ten wonderful essays that offered a vision for future of retirement as well as RIIA’s role in helping to define that future. I’ve asked François to continue to contribute to this blog as his great insight benefits all who [...]