<p>2012 Advisor Perspectives articles by Joe Tomlinson (www.advisorperspectives.com) Updated December 2012</p><p>Income Annuities versus GLWBs: A Product Comparison, January 17, 2012 http://www.advisorperspectives.com/newsletters12/pdfs/Income_Annuities_versus_GLWBs- A_Product_Comparison.pdf</p><p>New Tools to Help Clients with Retirement Decisions, January 24, 2012 http://advisorperspectives.com/newsletters12/pdfs/New_Tools_to_Help_Clients_with_Retirement_Dec isions.pdf</p><p>An Innovative Solution to Retirement Income, February 7, 2012 http://www.advisorperspectives.com/newsletters12/pdfs/An_Innovative_Solution_to_Retirement_Inco me.pdf</p><p>New Tools to Manage Longevity Risk, March 6, 2012 http://www.advisorperspectives.com/newsletters12/pdfs/New_Tools_to_Manage_Longevity_Risk.pdf</p><p>Flexible Strategies for Longevity Protection: Comparing Two Products, April 10, 2012 http://www.advisorperspectives.com/newsletters12/pdfs/Flexible_Strategies_for_Longevity_Protection .pdf</p><p>Annuities versus Systematic Withdrawals: Understanding Tax Effects, May 8, 2012 http://advisorperspectives.com/newsletters12/pdfs/Annuities_versus_Systematic_Withdrawals.pdf</p><p>Investing for Retirement: SPIAs, TIPS, Stocks and the 4% Rule, June 12, 2012 http://advisorperspectives.com/newsletters12/pdfs/Investing_for_Retirement.pdf</p><p>Should You Wait to Buy a SPIA? July 17, 2012 http://www.advisorperspectives.com/newsletters12/pdfs/Should_You_Wait_to_Buy_a_SPIA.pdf</p><p>How Safe Are Annuities? August 14, 2012 http://www.advisorperspectives.com/newsletters12/pdfs/How_Safe_are_Annuities.pdf</p><p>New Research—Helping Clients Make Better Decisions, September 4, 2012 http://advisorperspectives.com/newsletters12/pdfs/How_to_Help_Clients_Make_Better_Decisions.pdf</p><p>We Need a Bold Solution to Fix the Retirement System, October 9, 2012 http://advisorperspectives.com/newsletters12/pdfs/We_Need_a_Bold_Solution_to_Fix_the_Retiremen t_System.pdf</p><p>Are Inflation-Adjusted Annuities Right for Clients? The Product and Its Prospects, November 20, 2012 http://advisorperspectives.com/newsletters12/pdfs/Are_Inflation- Adjusted_Annuities_Right_for_Clients.pdf</p><p>Comparing Long-Term Care Alternatives, December 18, 2012 http://www.advisorperspectives.com/newsletters12/pdfs/Comparing_Long- Term_Care_Alternatives.pdf</p>