Cindy D. David

Improving retirement income decisions

How can advisors help clients be better prepared to choose? Let’s start with the qualifying information needed to make this key decision. Advisors should consider seven important questions: Does your client have a spouse or children who will rely on this pension for income, even after your client has passed on? Is your client within […]

By Cindy D. David | February 1, 2010

2 min read

Maximize retirement income choices

Clients on the brink of retirement face a crucial decision on the income they’ll receive for the rest of their lives, if they’re lucky enough to have a pension. Most pensions offer different income-level options, some that provide income till your client dies, and others that continue at a reduced amount if the client dies […]

By Cindy D. David | February 1, 2010

5 min read

The role of GMWBS in estate planning

I frequently come across clients who own Guaranteed Minimum Withdrawal Benefit (GMWB) plans or are considering purchasing one, and many don’t fully understand the plans because, let’s face it, they’re complicated. Trying to compare the different income options, fees, investments and guarantees offered by each company can be like navigating a vine- and baboon-infested jungle. […]

By Cindy D. David | November 1, 2009

6 min read