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The Best Financial Planning Resources are Affordable and Far Removed from Wall Street

Laurence Kotlikoff is a Professor of Economics and Boston University. Professor Kotlikoff is one of the nation’s leading experts on fiscal policy, national saving and personal finance. 

Professor Kotlikoff is the author or co-author of 15 books and he publishes extensively in newspapers, magazines and blogs on issues of personal finance, financial reform, taxes,...

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Lack of Dividends Make Equity Indexed Annuities a Tough Sell

Dividends contributed five percent of the 7.9 percent total return from stocks over the 200 year period from 1802 through 2002.

Dividend paying stocks in the S&P 500 produced an average return of 8.92 percent since 1972.  Over that same roughly 40 year period, non-dividend paying stocks in the same index returned 1.83 percent.

Most equity indexed annuities only count market price gains in their reference index when crediting...

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A Benchmark for Lifetime Income

The world is filled with investing indexes and benchmarks, and all professional investment managers measure their results relative to some type of performance standard such as the S&P 500.

On the retirement...

Survey Reveals High Levels of Confusion about Fiduciary Status

A survey conducted this past August confirms that consumers are confused by the different standards that apply to various types of financial advisors. 76 percent of the 1,319 survey respondents mistakenly believe that brokers are required to act as fiduciaries and serve the best interests of their clients.
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DTCC Uses Technology to Drive Cost Savings and Efficiency in the Retirement Income Industry

Adam J. Bryan is Managing Director and General Manager of the Depository Trust and Clearing Corporation’s (DTCC) Insurance &Retirement Services.

DTCC’s Insurance and Retirement business unit is the central messaging hub for...

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