© Copyright Jim Otar 2006 Page 1 Variable Annuities – Part 4 of 5 Variable annuities with Guaranteed Minimum Withdrawal Benefits (GMWB) are making ... Access Doc
How Much Is Enough?
Work done by Jim Otar using US data suggests investors should spend only 4% of capital in the first year of retirement beginning at age 65 (25 times). You can also use this to test out the competitiveness of lifetime annuities, where available. If an institution will ... View Full Source
Retirement Planning: Your Largest Liability In The Making
By Jim Otar Last time I spoke to a group of financial professionals about advanced retirement planning, I asked a simple question: annuities. Don’t let your clients’ retirement dreams turn into retirement nightmares. ... Read Here
Retirement Income Redesigned: Master Plans For Distribution
Jim C. Otar Prof. Cynthia Saltzman Robert Curtis April K. Caudill Prof. Moshe A. Milevsky Anna Abaimova Harold Evensky Prof. Laurence Booth William P. Bengen • Annuities • Conundrum • Ironically, the managing of most risks requires maintaining ... Access Doc
Variablenuities An Primer - Advisor.ca | Insurance ...
Variable annuities (with or with-out GMWB) in the U.S. reached $128 billion, of which 69% of all sales had the GMWB rider. The total assets in variable annuities were Jim Otar, CMT, CFP, is a financial planner, a professional engineer, a market ... Retrieve Content
4Q12 Transamerica Retirement Income Max - Transamerica ...
Income Annuities. Deferred Variable Annuity with Guaranteed Income (GMWB) – “How Much to Allocate to Annuities?,” ”says Jim Otar, engineer and CFP from Thornhill, Ontario. – “Which Way to Retirement?” Wall Street Journal, August 12, 2011. ... Fetch Here
3Q12 Transamerica Retirement Income Choice 1.6
Income Annuities. Deferred Variable Annuity with Guaranteed Income (GMWB) – “How Much to Allocate to Annuities?,” ”says Jim Otar, engineer and CFP from Thornhill, Ontario. – “Which Way to Retirement?” Wall Street Journal, August 12, 2011. ... Retrieve Document
Time Value Of Fluctuations - Welcome To FinancialCounsel.com ...
Should definitely look into life annuities at this point in his life. The Root Causes of Time Value of Fluctuations © Copyright Jim Otar 2006 Page 6 The next size of waves is the cyclical trends. Generally, they have a period of four or five ... View Document
Breaking Ground In Retirement Strategies - Thrive Income
Jim Otar doesn't much care what you think. As the Canadian financial adviser likes to say in his eastern-Balkan income annuities. He offered an early edition for free online in August, but the number of requests for downloads overwhelmed the server. ... Read Full Source
© Copyright Jim Otar 2006 Page 1 Variable Annuities – Part 2 of 5 Variable annuities with Guaranteed Minimum Withdrawal Benefits (GMWB) are making ... Get Document
2012 NAPFA EAST CONFERENCE AT GLANCE PROGRAM AGENDA November ...
Jim Otar Creating YOUR Ideal Financial Insurance, Annuities and ... Read Here
Selling Point
Plan for increased longevity with financial products that deliver lifetime payouts, such as annuities. 1.Jim Otar,“Live Long and Prosper,” Financial Planning , July 2002. 2.Gordon B.Pye,Ph.D.,“Adjusting Withdrawal Rates for Taxes ... Read Document
Avoid annuities! Worst Investment Product Ever! - YouTube
Retirement theorists have supported this approach including Walter Updegrave (of CNN), Moshe Milevski; Jim Otar; and Wade Pfau. Annuities are LONG-TERM investments that are meant to be held for MANY YEARS -- not 5 years. ... View Video
Annuity Bonuses - Advisor.ca | Insurance, Investments ...
Able annuities in Canada. I found great satisfaction that I was able to answer some of my questions. I by jim otAr guest column Starting Steve’s Jane’s Benefit of Year Portfolio Portfolio VA-GMWB 1919 $253,357 $174,978 -$78,379 ... Retrieve Doc
