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The Interest Rate Dilemma Facing Retirees Fixed annuities have become an attractive option again, with yields not seen in more than a decade. After spending much of the 2010s below 4%, average multi-year guaranteed annuity (MYGA) rates climbed into the mid-5% to low-6% range in 2023–25—levels last seen before the financial crisis. That[Read More…]
When it comes to retirement income, it’s not just how much clients earn — it’s when they earn it. Sequence of returns risk remains one of the most critical and misunderstood forces in retirement planning. Even if a portfolio averages a solid 6% return over time, early-period losses can dramatically shorten how long income lasts once withdrawals begin. The recent bull market[Read More…]
Interest rates have dominated client conversations for the past two years — and with good reason. After a long stretch of near-zero yields, the recent surge has reshaped everything from bond ladders to annuity payouts. Now, as the Federal Reserve nears the end of its tightening cycle, many clients are[Read More…]
