Retirement Income Industry Association

The View Across The Silos

articles

March 2014
Navigating Retirement the Merrill Lynch Way – Gil Weinreich, ThinkAdvisor
The firm’s director of investment analytics charts a holistic path toward dealing with the ‘non-Euclidean’ world of investment decumulation.

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March 2014
How do investing habits change as retirement nears? – Janet Kidd Stewart, Chicago Tribune
This article references Helen K. Simon, the Recipient of the 2014 Practitioner Thought Leadership Award, and her recent article in the Retirement Management Journal.

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January 2014

Take Me to Your Leader
By Kerry Pechter, Retirement Income Journal.


December 2013

Helping advisers connect the dots about retirement planning
By Mary Beth Franklin, InvestmentNew.


November 2013

Retirement Management Analysts May Help Boomers with Withdrawals
By Scott Burns, The Dallas Morning News.


August 2013

Unlocking the Two Mysteries behind SPIAs
By Wade Pfau

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July 2013

InvestmentNews: Simple tool answers ultimate retirement question: Can I afford to retire?
by Mary Beth Franklin. (Article requires free registration to view.)

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June 25, 2013

Financial Advisor IQ: Retirement Credentials That Stand Out From the
Crowd
By Pam Black

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June, 2013

Retirement Designations and Retirement Bootcamp
by Wade Pfau

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June, 2013

Advisor Perspectives: Retirement Income Designations – Which Should You Choose?
by Wade Pfau

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June, 2013

The Real Way To Eliminate Specious (Senior) Designations For Advisors
by Michael Kitces

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May, 2013

InvestmentNews: More than 50 advisers have been awarded the retirement management analyst designation by the RIIA.

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In the News: April 2013

  • L&H Advisor recently published this article by Francois Gadenne on the value, opportunity, and vision behind the Retirement Management Analyst Designation and how the advanced education helps retirement income businesses, institutions, advisors and their clients.

  •  RIIA’s VLC webinar on dealing with declines in financial literacy
    & other issues of an aging client base and featuring Michael Finke of Texas Tech and Jack Tatar of GEM Research Solutions, was featured in
    Bank Investment Consultant.


April, 2013

Institutional Investor:

Getting closer to being able to explain fragility in economic systems. Being too close to
a rate of return on wealth of zero is not a good place to be. A little push in the wrong
direction and there can be accelerating decline.

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April, 2013

L&H Advisor recently published this article by Francois Gadenne on the value, opportunity, and vision behind the Retirement Management Analyst Designation and how the advanced education helps retirement income businesses, institutions, advisors and their clients.

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April, 2013

The topic of RIIA’s most recent Virtual Learning Center webinar was highlighted in Bank Investment Consultant:
“Senior Moment” or Dementia? Advisors Should Look for Warning Signs

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In the News: March 2013

  • RIIA Spring Conference Speakers Andy and Susan Stone are featured in the Chicago Tribune and Baltimore Sun for their use of the RMA curriculum to take reins on retirement planning.

  • Francois Gadenne shares the three disruptions of retirement income planning in Life&Health Advisor magazine.

  • Jack Tatar mentions RIIA’s Spring Conference and research from Larry Cohen, long-time RIIA supporter and presenter, in his recent article,
    “Pay College Athletes by Funding Their IRA,” in MarketWatch.


March, 2013

Andy and Susan Stone, presenters at the upcoming RIIA Spring Conference, are featured in a retirement income planning column sharing tips for how retirees can better manage their retirement income security. RIIA’s Francois Gadenne is also quoted on how retirees will have to
“work every lever possible” to maximize income from their nest eggs.

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March, 2013

Income: The Three Disruptions, Altering the status quo of retirement & longevity planning
~ by Francois Gadenne

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December 2012

 

The Advisory Career: A Field of Dreams.
How Boston’s Wealth2K is re-educating today’s financial advisors to succeed as income planners and help their clients’ survive retirement

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Article

In the News: October 2012

We had excellent Media Coverage of the RIIA Fall Conference & Awards Gala for 2012:


In the News: Summer 2012

  • Harold Evensky, noted financial planner and member of the Retirement Management Analyst designation Governance Board, jointly authored this article, Standby Reverse Mortgages: A Risk Management Tool for Retirement Distributions, which appeared in the Journal of Financial Planning.

  • RIIA Board Member and CEO of Wealth2k, David Macchia, writes about the importance of advisors to build an income floor for their retirement clients, a strategy championed by RIIA and taught in the curriculum for the RMA designation. This article, Floor-and-Upside: A New Strategy for a New Era, appeared in the RIJ Advisor, an online publication for retirement specialists.

  • Mary Beth Franklin, reporting for InvestmentNews, includes comments from Kevin McGarry, director of the Nationwide Institute, who recently was the featured presenter at RIIA’s July Webinar on Planning for Health Care Expenses in Retirement.

  • Jim Andrus, president and technical co-founder of News Patterns, is highlighted in a recent article from MarketWatch, Mining The News For Patterns Investors Can Tap. Jim will be a featured speaker at the RIIA Fall Conference, October 4-5, 2012.


July 30, 2012

 

RIIA Board Member and CEO of Wealth2k, David Macchia, writes about the importance of advisors to build an income floor for their retirement clients, a strategy championed by RIIA and taught in the curriculum for the RMA designation. The article appeared in the July 30, 2012 issue of the RIJAdvisor.

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Article

June 13, 2012

 

Karen H. Wimbish of Wells Fargo Retirement
Joins Board of Directors of the
Retirement Income Industry Association

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May, 2012

 

New Member of RMA Governance Board Harold Evensky shares his thoughts on the value of the RMA designation to advisors and the public.

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Article

May, 2012

 

Wade Pfau, PhD, CFA, Director of Curriculum for the Retirement Management Analyst Designation Program, writes about
Fixed Time Horizons vs. Survival Probabilities for Retirement Planning on Advisors4Advisors.com.

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Article

In the News April 2012

  • RIIA recently announced that Peng Chen, President of Morningstar’s Investment Management Division, joined the Curriculum Advisory Board for the Retirement Management Analyst Designation. In an article appearing on AdvisorOne.com, Francois Gadenne explained:
    “Our mission statement is, ‘the view across the silo.’ Because we’re not wedded to the status quo in our industry, our value proposition is to help our members see disruptions that no one else sees before they happen. There are two main advisor types; planners through the CFP and managers through the CFA. They’re two different cultures, and Peng is able to bridge those cultures.’ Peng Chen also commented:
    “My work with Morningstar and Ibbotson gives me that unique view across the silos, so I’ll be spending as much time as I can on the Curriculum Advisory Board.”

  • Advisors4Advisors shares details on the RMA Designation with its subscribers.

  • InsuranceNewsNet magazine mentions RIIA’s praise of the Obama Administration for its recent initiative to broaden and support the introduction of lifetime income programs for 401(k) and defined contribution savers. RIIA and the Defined Contribution Institutional Investment Association (DCIIA) also issued a joint press release on the topic.

  • RIIA research is mentioned in the article, “It’s Friday. Do You Know Where Your Retirement Plan Is?” appearing in LifeHealthPro.com.

  • New York Life proudly announces that its “Efficient Income Frontier Work” received the Retirement Income Industry Association’s 2012 Practitioner Thought Leadership Award at the recent Spring Conference.

  • RIIA members and special advisors are blogging with the most recent posts at AdvisorsforAdvisors.com. Another discussion about RIIA got started at the Bogleheads Forum. These blogs provide RIIA with a great opportunity to connect with advisors and bring the RIIA message to a wider audience. “I am finding that many people, both potential RMA certificate-holders and their clients, are quite receptive to the fundamental goal of retirement planning as advanced by RIIA to first build a floor and then expose to the upside,” commented Wade Pfau, Director of Curriculum for the RMA.


April, 2012

 

New York Life proudly announces that its “Efficient Income Frontier Work” received the Retirement Income Industry Association’s 2012 Practitioner Thought Leadership Award at the recent Spring Conference.

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In The News March 2012

  • The
    Chicago Tribune and
    AdvisorOne.com feature key presentations from the RSC12.

  • In his blog,
    Wade Pfau, researcher on retirement planning strategies and RIIA’s Director of Curriculum Development for the RMA designation, offers his thoughts on Dimensional Retirement’s Next Generation Retirement Solution for defined contribution plans after hearing a presentation by CEO David Deming at the RSC12.

  • The announcement of Wade Pfau joining RIIA as the Director of Curriculum Development for the RMA designation is picked up nationally online including
    MarketWatch.com

  • The Retirement Management Analyst (RMA) Designation Expands Into a Level 1 Curriculum and a Level 2 Curriculum. See the
    press release for details.

  • MarketWatch.com,
    YahooFinance.com, and
    LifeHealthPro.com (among many others) posted the news about RIIA’s Market Insight Initiative.

  • Life&Health Advisor publicizes the winners of the
    PractitionerThought Leadership Award and
    Francois Gadenne’s Texas Tech Award for retirement income advanced education.

March 22, 2012

In Case You Missed the RIIA Conference, from the Retirement Income Journal

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2010 Articles

June, 2010

Francois Gadenne talks about Knowledge, Power and Retirement Planning in his Research Magazine online column

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April, 2010

David Macchia, Secretary of RIIA, CEO of Wealth2k, and recent RMA graduate,
talks about redefining retirement income planning and RIIA’s vision for tomorrow’s
advisor in Life&Health Advisor magazine.

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April, 2010

In his Research Magazine article, “Growth and Funerals in Retirement,” Francois Gadenne offers
his views on social and financial capital, noting “Your assets are only worth
what today’s children will produce.”

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March, 2010

Stephen Mitchell, RIIA’s COO, is quoted extensively about lump sum pension distributions versus pension annuities
in Bankrate.com.

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February, 2010

Francois Gadenne discusses the importance of considering clients’ level of impatience when planning for retirement in his
February column for Research, “The New Normal: Measuring Investors’ Impatience.”

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January, 2010

Francois Gadenne offers a new web exclusive column in Research magazine. The first topic of 2010 focuses
on building “Funded Floors for Retirement.”

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January, 2010

Francois Gadenne is featured in a new interview by Thomas Cochrane, founder of Annuity Digest.
Francois comments on major issues affecting the retirement income industry including attracting
new talent, engaging a mass consumer audience, innovations across the industry, and promoting
stronger education through RIIA’s new designation program, the Retirement Management Analyst

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2009 Articles

December, 2009

Two RIIA members (Marcia Mantell, Mantell Retirement Consulting and Dave Freitag, Impact Technologies) as well
as RIIA’s COO Stephen Mitchell are quoted in this article from Bankrate.com on
“Three Ways to Pay for IRA Conversions.”

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December, 2009

Francois Gadenne contemplates the true nature the retirement income profession in the December
issue of Research magazine.

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November, 2009

RIIA helps members “find the new normal”. Francois Gadenne shares
the view across the silos with Best’s Review reporter, Ron Panko.

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November, 2009

Francois Gadenne discusses the challenges in implementing business models in his
most current column for Research Magazine, “What Goes for Robins: In Implementing
a Business Model, Failure is an Option”.

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October 25, 2009

Collaborate advice drives success according to new a research report sponsored by RIIA,
“Financial Advisors and Boomers,” and featured in InvestmentNews.

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October 23, 2009

RIIA leadership quoted in article for entrepreneurs on “Retirement Planning for Those Who Don’t Evr
Want to Retire.”

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September, 2009

The Harris Poll organization has a June 2009 survey showing that just one quarter of Americans say banks are
honest and trustworthy. Only 13 percent of respondents say the same thing about financial planning firms.
The lowest ranked of all are Wall Street and credit card companies, at 4 percent each. Building trust is has
always been important, but it is an imperative in our industry today. And retirement income advice only works
in a trusting relationship. To learn more, read Francois Gadenne’s October 2009 column in
Research magazine.

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September, 2009

What happens when the hunter confuses the shadow for the prey? Well, you miss the shot and you go hungry or worse. Our sources of investment light have become so single-threaded that it is hard to distinguish the shadow from the prey. Recent events remind us all that these shadows have become large enough to hide dragons. What we need is multiple ways to view the retirement income picture. Learn more about Perceptual Techniques in this month’s Retirement Income Reporter column by Francois Gadenne in
Research magazine.

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August, 2009

RIIA members have been asking questions about how to structure their companies to take advantage of the retirement income opportunities that they can now see more clearly than before. Check out Francois Gadenne’s thoughts on the topic in his August column in
Research magazine, Retirement Income Reporter — Retirement: A Field in Flux. Financial advisors should be prepared to rethink their business models and practices.

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July, 2009

Retirement Income Reporter: Inflation or Deflation? Looking for signs of future prices.
Francois Gadenne contemplates the question: Are retirement portfolios more at risk from inflation
or from deflation? in his July column in Research magazine.

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June, 2009

Retirement Income Reporter: The New Normal. As the economy faces structural change, so does retirement. Read Francois Gadenne’s latest thinking about how new normal in retirement income may be all about playing defense in his June column of
Research magazine.

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May, 2009

Retirement Income Reporter: Coping with Limits. Francois Gadenne reviews how heightened uncertainty demands flexibility and resilience in retirement income planning in the May
issue of Research magazine.

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April, 2009

Retirement Income Reporter: A Clock or a Garden? Francois Gadenne points out how retirement planning reflects
assumptions about reality in the April issue of Research magazine.

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March, 2009

Elvin Turner and Larry Cohen share RIIA research insights in their article,
“Retiring Boomers Offer Advisors New Opportunity,” which appeared in the
March issue of Life & Health Advisor magazine.

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March, 2009

Learning New Ways by Francois Gadenne in the March issue of Research Magazine discusses how the conventional
advisory process has failed and must be replaced. Francois outlines the new RIIA Retirement Management and
Retirement Income Advisory Process.

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Article

February, 2009

The Retirement Mission by Francois Gadenne in the February issue of Research Magazine reminds
retirement professionals to consider more than just financial capital with their clients.

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Article

January, 2009

Reassessing What Works by Francois Gadenne in the January issue of Research Magazine.
Retirement products must keep up with a changing, crisis-prone world.

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2008 Articles

December, 2008

Product Design by Francois Gadenne in the December issue of Research Magazine discusses the question: What specific features and attributes should those who design retirement income products and processes seek to emphasize? (Click on the Retirement Income Reporter section on the leftside of the Research home page.)

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November, 2008

Models and Reality by Francois Gadenne in the November issue of Research Magazine makes the case that theoretical approaches to retirement planning require empirical validation.
(Click on the Retirement Income Reporter section on the leftside of the Research home page.)

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October, 2008

Balance Sheet Structure by Francois Gadenne in Research Magazine (retirement income reporter section).
This article shares an analysis of assets and liabilities to provide powerful insight into retirement planning.
(See the Profile section on the left hand side of the page.)

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September, 2008

Research Magazine profiles Michael Colon, COO of Deutsche Asset Management Americas
and DWS Investments, who will also share his strategic perspective on retirement at
RIIA’s Annual Meeting and Awards Dinner, September 21 -22, 2008.
(See the Profile section on the left hand side of the page.)

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September, 2008

Public Risk: Taxes by Francois Gadenne in Research Magazine
(retirement income reporter section). This article focuses on how taxes are
likely to be the bigger and faster growing expense catagory for the retirement
investor.

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August, 2008

Investor Spending: Risk
by Francois Gadenne in ResearchMag (retirement income reporter section)

This article looks at the retirement planning process from the perspective of
what investors do with their retirement income, their spending patterns and
their spending risk.

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July 1, 2008

The Retirement-Management Professional’s Job Description
by Francois Gadenne in ResearchMag (retirement income reporter section)

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May 2008

Academic research shows that, over our lifecycle, we can generate income from three major sources: human capital, social capital and financial capital discusses Francois Gadenne in his monthly column for Research magazine.

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April 2008

Existing products, riders and withdrawal plans are helpful. But the industry will likely see new products that combine investments, insurance, hedging and advice, according to Francois Gadenne in his Research magazine column.

 

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March 2008

Do your clients have an investment accumulation mindset or a retirement income
mindset? Find out more in Francois Gadenne’s latest column in Research magazine.

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February 2008

Francois Gadenne addresses the question: “What is your tolerance to the variance of returns to risky assets?” in Research magazine.

 

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January 2008

Post retirement budget in-flows and managing new income sources are outlined in Life and Health Advisor magazine.

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January 2008

Francois Gadenne, Founding Chair of RIIA, discusses the evolutionary model for change and how it applies to the retirement income industry in Research magazine.

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2007 Articles

November 2007

RIIA’s founding chairman, Francois Gadenne, is interviewed by Research magazine about the organization’s forward-thinking membership and the focus on retirement income solutions.

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October 1, 2007

AIM Investments(R) Joins Retirement Income Industry Association

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August, 2007

Francois Gadenne, RIIA’s Founding Chair, focuses on understanding change in retirement income planning in this article from Life&Health Advisor.

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March 2007

Francois Gadenne, RIIA’s Founding Chairman, considers the question: Will Our Retirement Plans Perform? in Life&Health Advisor magazine.

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December 2006

RIIA’s Founding Chair, Francois Gadenne, discusses several key issues that are on the forefront of retirement planning in Life
& Health Advisor
magazine.

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