Guaranteed Income: The Forgotten Household Asset
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Guaranteed income is more than cash flow.
It’s the largest financial asset for most retirees. Yet, the role of guaranteed income in a financial plan is generally treated as a method to fund retirement liability.
Join David Blanchett to explore why guaranteed income needs to be considered more fully in a financial plan. It affects spending and investment. It has an ongoing impact on portfolios. And, especially today, it can be worth more than other assets.
You’ll learn:
- How to position guaranteed income in a balance sheet
- Why probability of success is the wrong metric
- Methods to evaluate the true benefits of guaranteed income
- How to optimize spending strategies for today’s environment
Don’t leave guaranteed income with a minor role in your client’s portfolios!
Jim Dobler joined Ash in Jan. 2022 to develop our new Retirement Advanced Planning department. As a self-proclaimed data nerd with over 20 years in the industry, he loves looking at existing policies and comparing the solutions available on the market. In previous roles, Jim has been a financial advisor, a wholesaler, the head of sales for CANNEX and the president of an insurance agency.
As Managing Director and Head of Retirement Research for PGIM DC Solutions, David Blanchett, PhD, CFA, CFP®, develops research and innovative solutions to help improve retirement outcomes for investors with a focus on defined contribution plans. He is an Adjunct Professor of Wealth Management at The American College of Financial Services and Research Fellow for the Alliance for Lifetime Income.