Gaining Perspective

Roughly half of adults over the age 55 say their biggest financial fear is not having enough money saved for retirement. Add in inflation, market volatility and low interest rates, and that’s enough for any investor to have serious cause for concern. Those at or near retirement don’t have time on their side. Enter Constance. Last October, RetireOne, an independent distribution platform for fee-based life insurance products, introduced Constance - a zero-commission, flat-fee annuity built to enable financial advisors to integrate life insurance into client portfolios. With Constance, RIAs give their clients a lifetime income guarantee without cannibalizing their assets under management. By unbundling the insurance component from its underlying investments, advisors can wrap client brokerage accounts, IRAs, or Roth IRAs with lifetime income protection. My guests today are RetireOne’s president, Ed Mercier, and Dimensional Fund Advisors’ head of retirement distribution, Tim Kohn, on the show to discuss their recent announcement and the trends facing advisors who work with clients approaching or entering retirement.

Show Notes

Roughly half of adults over the age 55 say their biggest financial fear is not having enough money saved for retirement. Add in inflation, market volatility and low interest rates, and that’s enough for any investor to have serious cause for concern. Those at or near retirement don’t have time on their side. Enter Constance. Last October, RetireOne, an independent distribution platform for fee-based life insurance products, introduced Constance - a zero-commission, flat-fee annuity built to enable financial advisors to integrate life insurance into client portfolios. With Constance, RIAs give their clients a lifetime income guarantee without cannibalizing their assets under management. By unbundling the insurance component from its underlying investments, advisors can wrap client brokerage accounts, IRAs, or Roth IRAs with lifetime income protection. My guests today are RetireOne’s president, Ed Mercier, and Dimensional Fund Advisors’ head of retirement distribution, Tim Kohn, on the show to discuss their recent announcement and the trends facing advisors who work with clients approaching or entering retirement.

What is Gaining Perspective?

This podcast is hosted by Advisor Perspectives, one of the leading publications for financial advisors. Our podcast series brings you short interviews with top thought leaders in financial advice, planning, investments and economics. Each episode focuses on a specific issue facing financial advisors. Listeners will learn the key trends affecting the way they and their competitors operate and the steps advisors can take grow their practices and deliver better service to their clients.