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PFP1937
How to Evaluate Annuities in a Financial Planning Context
Date
June 12, 2019
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You’ve seen what’s out there. The possibilities of your career in accounting. The challenges to our profession around the bend. Now is the time to push forward — faster, higher…
We will discuss two types of annuities: single-premium immediate annuities (SPIAs) and deferred-income annuities (DIAs). The goals of the session include answering the following questions:
- How can advisors determine whether either of those annuities is appropriate for a client?
- What are the red flags to watch out for that would indicate an annuity is inappropriate?
- What is the best way to present the pros and cons of annuities to clients?
- How can advisors determine if they can replicate or approximate the cash flows of those annuities with traditional investment products? (for example, comparing a SPIA to a bond ladder or a DIA to a zero-coupon bond)
- What is the best way to purchase those annuities?
- How do I systematically incorporate SPIA/DIA into client recommendations?
- If I’m a fee-only advisor, can I advise on portfolios that include annuities?
- Why do annuities feel expensive?
- How do you overcome the annuity illiquidity objection?
- How do I systematically communicate to clients the value of the income stream they’re buying with SPIA/DIA when the brokerage/custodial statement doesn’t currently cite this metric?
Speakers
Robert K. Huebscher, MBA
Founder, Advisor Perspectives
Managing Director, Retirement Enhancement Solutions, Milliman Inc
Paula H. Hogan, CFP(R), CFA
Advisory & CEO, Hogan Financial
General
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