Asset Accumulation

Asset accumulation typically refers to the savings and growth of financial assets during the course of one’s working years. Assets accumulated during one’s working years provide the basis for decumulation during one’s retirement years.

Francois Gadenne and the Formation of the Retirement Income Industry

Francois Gadenne is the Chairman and Executive Director of the Retirement Income Industry Association (RIIA).

Formed in 2006, RIIA is bringing together the leading minds and resources in the relatively young retirement income industry.  RIIA members include leading academics, banks, insurers, fund companies,...


A very good article from Advisor One / Research Magazine on the challenges financial advisors face in developing practices that focus on retirement income planning.

A detailed discussion of how the discipline of retirement planning differs from asset accumulation.

Who Needs Annuities

META Tag Title: 
Annuity Digest Buying Guide: Who Needs Annuities

Annuities are neither useful nor appropriate for many people.

As emphasized throughout this buying guide, a good financial plan that focuses on retirement income needs should be the foundation of any annuity purchase decision.


What is an Annuity

META Tag Title: 
Annuity Digest Buying Guide: What is an Annuity

An annuity is a financial product that converts accumulated savings into guaranteed income.  In a very basic sense, annuities:

  • Turn a sum of money into a series of payments or a “stream of income.” 
  • Guarantee the stream of income over a specific timeframe.


Should I invest in a variable annuity?

Thanks for reaching-out.

It is generally very difficult if not impossible to provide a simple yes/no answer to this type of question without having much more detail regarding your situation and needs.  That said, here are some things to think about: