Wade Pfau

  • 1977 – Born 
  • Years?-  BA and BS – University of Iowa
  • 2003 – MA and Ph.d – Princeton
  • 2019 – Book – Safety-First Retirement Planning
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  • ?- 2012-? – RIIA – The Retirement Income Industry Association – riia-usa.org/
    • Curriculum Director for RIIA
  • 2003-2013 – Teaching at the National Graduate Institute for Policy Studies in Tokyo
  • 2013-Current – theamericancollege.edu/about-the-college/our-people/faculty/wade-d-pfau
  • scholar.google.com/citations?user=kzxcA68AAAAJ&hl=en
  • retirementresearcher.com/
    • Retirement Income Style Awareness tool
    • Retire with Style podcast. 
  • 2013-Current – mcleanam.com/team/wade-pfau-bio/ – Principal, Director of Retirement Research
  • wbcornerstones.com/dr-pfau/
    • We are extremely excited to announce that Dr. Wade Pfau CFA, RICP® has joined Wealth Building Cornerstones™ as our Chief Research Fellow.
    • Dr. Pfau is a Professor of Retirement Income and the Program Director for the RICP® designation at The American College®.
    • Dr. Pfau has his BA and BS from the University of Iowa, MA and PhD from Princeton University.
    • Dr. Pfau has written two white papers on WBC and the strategies within. He has also recently released his book, “Safety-First Retirement Planning”, that references WBC. No other system has this level of academic backing and support.

2010s

  • 2011 – Safe Savings Rates: A New Approach to Retirement Planning over the Lifecycle, by Wade Pfau – 9p
    • 2004 – JFP – Determining Withdrawal Rates Using Historical Data, by William P. Bengen, jfp0304 – 13p
  • 2013 06 – JFP – The 4 Percent Rule Is Not Safe in a Low-Yield World, by by Michael Finke, Wade D. Pfau, and David M. Blanchett – 10p
  • 2014 – The Yin and Yang of retirement income philosophies, Sponsed by Challenger Unlimited, by Wade Pfau and Jeremy Cooper – [32p-download link]
  • 2015 05 – Optimizing Retirement Income by Combining Actuarial Science and Investments, Commissioned by OneAmerica, by Wade Pfau – 27p
  • 2015 07 – The Yin and Yang of retirement income philosophies: an abridged version, Challenger Unlimited, by Wade Pfau and Jeremy Cooper – 4p
  • 2015 0513 – Forbes – Improving Retirement Outcomes with Investments, Life Insurance, and Income Annuities, by Wade Pfau – [link]
    • [Bonk: Paper-?]
  • 2015 0515 – Letter – Wade Pfau to Whom it May Concern re: Wealth Building CornerstoneTM System – 37p
    • I have reviewed the Covered Assets strategy of the Wealth Building Cornerstones TM system and conclude that it is consistent with the strategy named “Scenario 3: Investments+ Single-Life SPIA + Whole Life” in the paper I wrote titled “Optimizing Retirement Income by Combining Actuarial Science and Investments” in May 2015.
  • 2015 0630 – Evaluating Investments versus Insurance in Retirement, by Wade Pfau – 6p
  • 2016 – SOA – Optimizing Retirement Income Solutions in Defined Contribution Retirement Plans A Framework for Building Retirement Income Portfolios, by Wade Pfau, research-2016-optimizing-retirement-income-framework-building – Society of Actuaries – 59p
  • 2017 – AP – Life Insurance as a Retirement Income Tool, Financial Services Review, by Russell DeLibero and Wade D. Pfau – 20p
  • 2017 – Optimizing Retirement Income by Combining Actuarial Science and Investments, by Wade D. Pfau – Commissioned by OneAmerica – 28p
  • 2018 – Building Integrated Retirement Income Strategies: With Traditional Investments, Guaranteed Income Annuities, and Whole Life Insurance, by Wade Pfau – 11p
    • New York Life Insurance Company funded this white paper
    • This material is intended for use by Registered Representatives with their clients and prospects.
  • 2019 – Letter – Wade Pfau to Whom it May Concern at The American College – re: Wealth Building CornerstoneTM System – 28p
  • 2019 04 –  Wealth Building Cornerstones – Integrating Whole Life Insurance into a Retirement Income Plan Emphasis on Cash Value as a Volatility Buffer Asset, by Wade D. Pfau and Michael Finke – 28p

2020s

  • 2020 – AP – Integrating Whole Life Insurance into a Retirement Income Plan Emphasis on Cash Value as a Volatility Buffer Asset, by Wade D. Pfau and Michael Finke – 20p
  • 2020 0715 – The Money Advantage – Dr. Wade Pfau: Maximize Retirement Income with Whole Life Insurance & Annuities – [VIDEO-YouTube-59:26]
    • 9 – Pfau – Annuity vs Life Insurance – Covered Asset Strategy
    • 17 – Bonds / Whole Life – Tax-Advantaged Account vs Taxable Accounts
      • Whole Life – Properly Structured – Primarily a Bond Portfolio – Insurance Company vs Personal Portfolio
      • Cash Value – Bonds – No Interest Rate Risk
    • 21 – Sequence of Return Risk – Longevity Risk – Volatility Buffer – Cash Value can’t have losses
    • 38 – Whole Life vs Universal Life –
      • Pfau – Comes from Investment Area, learning about Life Insurance.
      • Underfunding policies
    • 40 – 4 L’s of Retirement
  • 2021 0323 – Forbes – Treating Cash Value As A Fixed-Income Investment Choice, by Wade Pfau, The American College; Principal @McLean Asset Management – [link]
  • 2021 0402 – Forbes – Why You Should Consider Cash Value As A Fixed-Income Investment, by Wade Pfau, The American College; Principal @McLean Asset Management – [link]
  • 2023 – Integrating Whole Life Insurance Into Retirement Income Planning, by Wade Pfau – 24p
  • 2024 0208 – The Power of Zero – [David McKnight] – Is Cash Value Life Insurance a Good Bond Replacement? (With Wade Pfau) – [VIDEO-YouTube-08:23]
    • 2021 0323 – Forbes – Treating Cash Value As A Fixed-Income Investment Choice, by Wade Pfau, The American College; Principal @McLean Asset Management – [link]