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The IRI Retirement Saving and Income Handbook is the first in a planned series of educational resources for financial professionals. The Handbook is a basic guide to commonly available annuities and non-annuity alternatives. It provides basic information about the structure, benefits, and limitations of each solution, combined with visual representations of the mechanics of each solution and a robust glossary of key terminology. The guide will have many uses for IRI members and others interested in annuities:

  • A training resource for those new to the industry or to annuities.
  • A tool to understand annuities in the context of their benefits and limitations relative to alternative non-annuity investment products.
  • A resource to help satisfy the requirement under the U.S. Securities and Exchange Commission Regulation Best Interest that financial professionals evaluate annuities alongside reasonably available alternatives when making product recommendations.
  • A resource to help regulators and legislators understand how annuities function, and the roles they can play in client portfolios.