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Retiree medical expenses could outpace Social Security benefits in 20 years

May 23, 2016

A new report projecting health care costs for current and future retirees is chock full of scary numbers that should keep most financial planners up at night. But just as hiding under the covers during graphic horror flick scenes won't change...

Retirees just want to have fun, Merrill Lynch study says

May 12, 2016

An oft-cited maxim in financial planning circles is that the average American spends more time planning a vacation than planning for retirement. Perhaps that is a good thing because for many Americans, retirement looks as if it could be one...

Dispatch from the retirement front: Choosing a retirement destination

April 26, 2016

I was delighted to learn that my home state of Virginia snagged the number-one spot in the 2016 Retirement Environment Index (REI) created by investment advisory firm LPL Financial Research. The second annual LPL index ranks each of the 50 states...

Longevity can be an asset in retirement

March 28, 2016

When it comes to retirement planning, longevity is considered one of the four major risks to one's savings, along with market risk, inflation risk and interest rate risk. But the forecasted surge in the number of Americans 65 and older over...

Graying advisers perform juggling act with baby-boomer, millennial clients

November 24, 2015

Despite the ongoing debate in the financial advice community about how to attract and accommodate the next generation of investors, retirement clients will continue to be the core of most financial planning practices. In fact, retirement investors...

Don't abandon Social Security strategy to avoid Medicare hike

October 26, 2015

Ever since the Social Security Administration announced that there would be no cost-of-living adjustment for benefits in 2016, financial advisers have been clamoring for guidance about how to protect their clients from a steep increase in Medicare...

Software evolving beyond Social Security maximization

October 18, 2015

I am always amazed by the brilliance of computer software designers. They can take the most complicated financial planning decisions and reduce them to a one-click — or one-swipe — tool. Social Security claiming decisions have benefitted...

Women and retirement planning: Walk a mile in her shoes

October 4, 2015

Women think about retirement planning differently than men. Marcia Mantell gets it. Women are completely comfortable talking about many “M-word” topics ranging from marriage and motherhood to mammograms and menopause, Ms. Mantell writes...

Dispatch from the retirement front – one year later

September 17, 2015

One year later and the retirement honeymoon continues. My husband, Mike, left his federal government job in July 2014 and the feeling, in his words, that “every day is Saturday” is just as delicious today as when he retired just over a year...

Delaying Social Security may boost Medicare costs

August 17, 2015

Recently, I wrote about a double-whammy to future retirement income for some higher-income clients in 2016. Although there is not likely to be a cost-of-living-adjustment for Social Security benefits next year, Medicare premiums may increase...

Presidential candidates can't ignore Social Security

August 5, 2015

The clock is ticking for the Social Security Disability Insurance Trust Fund. Unless Congress intervenes, the trust fund will run dry in late 2016 — just about the time Americans will be electing a new president. Without action, the 11 million...

Latest trends in the retirement income market

July 7, 2015

More than 75 million baby boomers are either in or nearing retirement, and many of them are looking for financial planning advice for their new phase of life. On the surface, it seems like a natural fit between investors looking for advice and...

Social Security envisions a new tech-savvy future

June 10, 2015

The timing couldn't be worse. Soon after the Social Security Administration unveiled its blueprint for increasing its use of technology to deliver customer services to aging and disabled Americans, news broke about the latest cyberattacks against...

Why advisers need to stop scaring pre-retirees

May 28, 2015

Typically, meetings with new clients — or even existing ones — to discuss their retirement goals are fraught with tough questions that can overwhelm them, preventing them from making decisions and taking action. “When you talk about asset...

Social Security's negative returns

March 3, 2015

Lifetime payroll tax contributions will exceed the amount of Social Security benefits many of today's workers will receive in retirement — despite the fact that today's retirees tend to live longer than previous generations. The higher a worker's...

401(k) challenge: Plugging plan leakage when workers change jobs

February 17, 2015

Over the past decade, adoption of automatic 401(k) plan features has boosted enrollment of new participants, increased savings rates and improved investment options through target-date funds and managed accounts. But a big challenge remains:...

Finding solutions to the key challenges of modern retirement

January 11, 2015

Just 30 years ago, most American workers were able to stop working in their early 60s and enjoy a long and comfortable retirement. That brief golden age is over, declares the new book “Falling Short: The Coming Retirement Crisis and What to...

As nest eggs grow, so does need for expertise

December 21, 2014

Like the Ancient Mariner surrounded by “water, water everywhere, nor any drop to drink,” Americans have managed to amass nearly $14 trillion in retirement savings — but most don't have a clue how to spend it. That's my literary interpretation...

How immigration reform could impact Social Security

December 7, 2014

President Barack Obama's plan to protect millions of illegal immigrants from deportation not only sparked a political firestorm over his unilateral action but raised questions about the future impact of those newly documented workers on the...

Government workers get first crack at phased retirement

November 23, 2014

Virtually every survey of American workers finds the majority would like to ease into retirement, perhaps working part time for a few years before calling it quits completely. The problem is, corporate America has been slow to embrace the phased-retirement...

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