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The Next Frontier: In-Plan Annuities Gain Momentum When it comes to the evolution of retirement income, the story is shifting from products sold outside retirement plans to solutions embedded within them. According to the 2025 Goldman Sachs Asset Management Annuity Industry Survey, a growing number of insurers view in-plan annuities[Read More…]
When markets rise and bond yields fluctuate, one product seems to always be in the conversation: the Registered Index-Linked Annuity (RILA). Once considered a niche between fixed indexed and variable annuities, RILAs have now become a central piece in many retirement income discussions. But the question for advisors isn’t just[Read More…]
It’s becoming a common moment in client meetings: someone leans in and says, “I asked ChatGPT about my retirement plan, and it said…” Artificial intelligence has entered the advice relationship — not through advisors’ software first, but through clients’ curiosity. With ChatGPT now capable of generating detailed financial answers based[Read More…]
The Paradox of Retirement Confidence Have you noticed how often clients say they feel confident about retirement—yet still admit to nagging doubts? That mix of optimism and unease captures the tone of the 2025 EBRI Retirement Confidence Survey (RCS). Now in its 35th year, the survey offers a reality check on how Americans[Read More…]
The Search for Advisors Is Changing For years, showing up on Google was the gold standard of visibility. But today, many consumers are asking AI assistants like ChatGPT, Perplexity, or Google’s new AI Overviews for help instead. They’re typing questions such as: These queries don’t produce a list of links—they produce conversational summaries. And those[Read More…]
For decades, advisors have helped clients prepare for retirement. Now, the challenge is helping them plan through it. With life expectancy continuing to rise, the conversation around longevity has become one of the most important — and misunderstood — aspects of retirement planning. Yet “longevity literacy” remains surprisingly low. Many[Read More…]
From 30 Years to 40—and Sometimes More For decades, advisors modeled retirements around a 30-year horizon—retiring at 65, planning income through 95. But today, that assumption is showing its age. According to the Social Security Administration and the Society of Actuaries (SOA), nearly one in three 65-year-old men and almost half of[Read More…]
Savers Want Income Certainty—But Many Aren’t Ready The latest 2025 Read on Retirement® survey from BlackRock, Inc. reveals a powerful trend: 93% of savers say they’re interested in products that provide a steady income in retirement. Yet only 38% of plan sponsors believe the majority of their employees are actually on track for a secure retirement. That disconnect underscores a growing divide between what individuals want—financial[Read More…]
For decades, 401(k) plans were all about accumulation. Participants built savings but were left on their own to figure out how to turn that balance into income. That’s beginning to change. Thanks to provisions in the SECURE Act of 2019 and SECURE 2.0, plan sponsors can now more easily include lifetime income options—typically through annuities—inside 401(k) plans. [Read More…]
The Rising Cost of Retirement Readiness Goldman Sachs Asset Management’s 2025 Retirement Survey & Insights Report paints a sobering picture of the new retirement landscape. Rising costs in housing, healthcare, education, and caregiving have far outpaced wage growth since 2000 — squeezing household budgets and leaving less room for retirement savings. [Read More…]
