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智能投顾平台United Income推出老年顾客专项服务

据《华尔街日报》报道,一家新兴智能投顾公司决定一反常规,计划推出专门服务老年投资人的针对性服务。

United Income由Morningstar及eBay创始人Pierre Omidyar支持创立。该公司首席执行官Matt Fellowes表示,目前有超过80%可投资资产都由50岁以上的人掌握,因此这一公司专注为年龄在50到70岁之间、即将或已经退休的人服务。

这家创业公司位于华盛顿特区,旨在帮助退休者把资产转化为退休收入。公司为这些人提供各方面建议,包括何时申请社会保险、应该购买哪种医疗保险计划、如何对不同的账户取款进行税务管理。

United Income的业务发展离不开前政府机构官员的帮助,这些人来自医疗保险与救助中心、社会保障局。

与大部分智能顾问服务类似,United Income让客户能够通过手机、邮件和视屏与人工客服沟通,但要额外收费。但是申领社会保险时,不想付费的投资者仍然能够得到免费的金融计划和建议。

顾客交8%的费用就能够获得无限制权利:一名金融规划师加一名指导顾问,为客户解决诸如加强退休账户、注册社会保险及医疗保险等难题。指导顾问还受训帮助客户找到打发时间的方法、鉴别某些志愿者工作、旅行及第二职业机会。他们也能够参考家庭或医院的临终护理服务,帮助顾客制定临终计划。智能顾问通常收费3%到5%。

A new robo-advisor is going against the grain by aiming a higher-priced service aimed at older investors, The Wall Street Journal reports.

United Income, backed by Morningstar and eBay founder Pierre Omidyar, focuses on those ages 50 to 70 who are approaching retirement or retired, says CEO Matt Fellowes: "Eighty percent of investible assets are held by people 50 and over."

The Washington, D.C. startup aims to help retirees turn their assets into retirement income. It offers advice on when to claim Social Security, which Medicare plans to buy, and how to tax-manage withdrawals from different accounts.

United Income developed its services with help from former officials at government agencies, including the Centers for Medicare and Medicaid Services and the Social Security Administration.

Like most robo-advisory services, United Income lets clients work with a human advisor-via phone, email or videoconferencing-for an extra fee. Investors who don't want to pay can still get free financial plans and advice on when to claim Social Security.

Its .8% fee entitles customers to unlimited access to a financial planner and a so-called concierge advisor for tasks like consolidating retirement accounts and enrolling clients in Social Security and Medicare. Concierges are also trained to help clients figure out how they want to spend their time and can identify specific opportunities for volunteer work, travel and second careers. They can also assist in end-of-life planning by making referrals to in-home care and hospice services. Robo-advisors typically charge .3% to .5%.


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