IncomePath

What's the future of the annuity business? You can hear from Tamiko Toland, our CEO and one of our co-founders, on this podcast version of a panel from Medicarians #RetireTech. Branislav Nikolic moderated the conversation that included Bobby Samuelson and Jason Fichtner, Ph.D. Thanks to Paul Tyler, Ramsey Smith, Bruno Caron, Tisa Rabun-Marshall, MBA, Laura Dinan Haber and the team at Nassau Financial Group. #innovation #ProductDesign #annuities #distribution Toland Consulting, LLC The Index Standard Life Innovators Alliance for Lifetime Income

Annuities do more than provide floor income. Thanks to Robert Powell, CFP®, RMA® for explaining how the flexible spending methodology behind IncomePath shows the value of annuity income in helping people achieve aspirational goals for in this piece for MarketWatch. Check out the article for the full story. https://lnkd.in/gpwuY-_p Follow us on LinkedIn for updates and insights or visit our website to download the "Freedom to Spend" white paper that Bob refers to in the article: www.incomepath.com #UpsidePotential #LongevityRisk #FreedomToSpend #WhitePaper #FlexibleSpending #research Tamiko Toland

We couldn't have said it better ourselves! "You want to understand the range of possible outcomes. The key is giving someone a sense of the tradeoffs," per David Blanchett in this extra-special episode of the Shares podcast from The American College of Financial Services, hosted by IncomePath Co-Founder Michael Finke. This is a great discussion of retirement income strategies, including Social Security claiming. They recorded the episode live at AICPA Engage, so it's zestier than usual. They also touch on flexible spending, which is the topic of our white paper, "Freedom to Spend." Follow us on LinkedIn for updates and insights and visit our website to download the white paper and learn more: www.incomepath.com #FreedomToSpend #RetirementIncome #PersonalFinance #innovation #podcast Tamiko Toland

An overly conservative retirement spending strategy can mean leaving more money than you expected to others. Michael Finke, our co-founder and chief strategist, reminds us that this is called an "unintended bequest" in economic terms, but it means underspending and sacrificing needlessly for retirees. He explained this point on this episode of the Gaining Perspectives podcast with Robert Huebscher. In fact, choosing how to allocate your savings between retirement spending and bequests is the first step of the IncomePath process. If you're going to be generous, do it on purpose! Follow us on LinkedIn for more insights and visit our website to download our "Freedom to Spend" white paper and learn more: www.incomepath.com https://lnkd.in/gZdHejut #FreedomToSpend #legacy #innovation #RetirementPlanning #PersonalFinance #ThoughtLeadership ADVISOR PERSPECTIVES INC VettaFi

An annuity helps people spend more in retirement as Michael Finke points out in this quote. Thanks to Robert Powell, CFP®, RMA® for diving into the value of lifetime income in retirement for this piece in MarketWatch. Check out the article for the full story. The flexible spending methodology behind IncomePath shows how spending can change over the years depending on some basic choices at the outset. Annuity income is more efficient than other safe methods, so you have more flexibility for the rest of the portfolio to grow and power aspirational goals throughout retirement. https://lnkd.in/gpwuY-_p Follow us on LinkedIn for updates and insights or visit our website to download the "Freedom to Spend" white paper that Bob refers to in the article: www.incomepath.com #LongevityRisk #FreedomToSpend #WhitePaper #FlexibleSpending #research Tamiko Toland

Michael Finke, one of IncomePath's co-founders, had the opportunity to testify for the ERISA Advisory Council on the use of annuities within defaults.* He emphasized the benefit to average participants who receive lifetime income and recent research that shows that those with more guaranteed income spend more overall, as Paul Mulholland reported here in PLANSPONSOR. However, he also acknowledged that many plan sponsors remain concerned about the use of annuities despite the safe harbor protection of the SECURE Act. He offered some suggestions to help increase the plan fiduciary confidence in insurers. *No, Michael wasn't providing WebEx support, contrary to what the screen behind him suggests. (There's nobody better on the topic of retirement income, but we don't recommend him for tech support unless you want somebody to suggest toggling a switch off and on.) Follow us on LinkedIn for insights and updates and visit our website to download the "Freedom to Spend" white paper and learn more: www.incomepath.com https://lnkd.in/gYY3EXB9 #LicenseToSpend #ERISA #ERISAAdvisoryCouncil #NotTechSupport #retirement #401k Tamiko Toland U.S. Department of Labor Bill Ryan, MBA CAIA SPHR NEPC, LLC

David Blanchett gets to the crux of the matter: people need tools that align with the "License to Spend" framework that John Manganaro writes about in the piece he cites. The focus on lifestyle over failure is the key to the IncomePath philosophy. This work that he and our co-founder Michael Finke did for Alliance for Lifetime Income is so compelling because it shows how lifetime income gives the double-whammy benefit of both quantitative and behavioral effects to improve retirement outcomes. Follow us on LinkedIn for updates and insights and check out our "Freedom to Spend" white paper at www.incomepath.com #LicenseToSpend #FreedomToSpend #KissingCousins #research #innovation #fintech Tamiko Toland

Spending flexibility is more than a concept: it lets the retiree make different choices about their lifestyle in retirement. Co-founder Michael Finke made this point during a conversation with Robert Huebscher on the Gaining Perspectives podcast. A key benefit of the IncomePath approach is to better illustrate the effect of higher or lower starting spending amounts--and then the effect of adding lifetime income to the mix. Follow us on LinkedIn for updates and insights and visit our website to download the "Freedom to Spend" white paper and learn more: www.incomepath.com https://lnkd.in/gZdHejut #education #FreedomToSpend #PersonalFinance #innovation #fintech #research Tamiko Toland ADVISOR PERSPECTIVES INC VettaFi

Just like Michael Finke explains, we believe that lifestyle beats out failure as a way to view their retirement. Thanks to Robert Powell, CFP®, RMA® for talking about the value of choosing a lifestyle instead of avoiding failure for his coverage in MarketWatch. Check out the article for the full story. IncomePath wants financial professionals to be able to have conversations with clients that focus on their goals and aspirations for retirement. This means moving away from "failure" and also understanding how lifetime income from an annuity can help them achieve more, not just help them avoid poverty. https://lnkd.in/gpwuY-_p Follow us on LinkedIn for updates and insights or visit our website to download the "Freedom to Spend" white paper that Bob refers to in the article: www.incomepath.com #FailureIsNotAnOption #FreedomToSpend #WhitePaper #FlexibleSpending #research Tamiko Toland

Lifetime income from an annuity satisfies both behavioral and quantitative needs. We agree completely and appreciate John Manganaro's piece for ThinkAdvisor that gives a great summary of the latest research from co-founder Michael Finke and David Blanchett for Alliance for Lifetime Income. "In the end, the decision to turn savings into income, either by saving in an employer pension or by purchasing an income annuity, will give retirees a license to spend savings they might otherwise be tempted to preserve," he explained. IncomePath is all about giving people choices and more freedom to live the retirement they want. Follow us on LinkedIn for updates and insights and check out our own "Freedom to Spend" white paper and learn more at our website: www.incomepath.com https://lnkd.in/gtXSCJzJ #FreedomToSpend #BehavioralFinance #retirement #research #WhitePaper #innovation Tamiko Toland