Results for "On Retirement"

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New Congress is unlikely to tackle Social Security reform

November 9, 2014

Now that the midterm elections are behind them, lawmakers can shift their focus to crafting an agenda for the 114th Congress that starts in January. But don't expect it to include Social Security reform. With solid majorities in both the House...

Rethinking the traditional retirement income glide path

October 26, 2014

A few years ago, the Principal Financial Group published a white paper comparing two of the most popular retirement income strategies: systematic withdrawals and the bucket strategy. The paper found that a bucket strategy, which assigns a different...

3 risk-related reasons to put off claiming Social Security

October 12, 2014

The choice of when and how to claim Social Security benefits can affect the three biggest financial risks that retirees encounter: longevity, inflation and markets. Despite that, it remains “one of the most neglected financial decisions that...

Lump-sum pension column triggered torrid response

September 28, 2014

Boy, did I kick a hornet's nest when I wrote about my decision to accept a $207,000 lump-sum payout from my pension, in lieu of a $1,700 monthly check, and to roll it into an existing deferred variable annuity inside my IRA. First, I want to...

Advice industry adapts to changing concept of retirement

September 14, 2014

Sharp increases in longevity are changing the very concept of retirement, and the financial advice industry must adapt. “For decades, the financial services industry has positioned retirement as the ultimate goal, the endgame,” Jan Blakeley...

Lump sum or monthly pension? How I made my decision

August 17, 2014

Recently, an investor wrote to me asking if he should accept his employer's offer of a lump-sum payout in lieu of a monthly pension. Of course, such a decision depends on a person's financial needs, life expectancy and access to other assets,...

How the aging population is changing the marketplace

July 27, 2014

Madison Avenue has always focused on the young, anchored in the shopworn belief that consumers ages 50 and older are frugal and stuck in their ways. But it's time for advertisers, marketers and corporations with products and services to sell...

Social Security delay? The numbers don't lie

June 8, 2014

Financial advisers often ask me how they can persuade their clients to delay collecting Social Security benefits. Although there is no one-size-fits-all answer, the right claiming strategy usually depends on a client's health, wealth and work...

Financial wellness trend gives advisers an opening

May 25, 2014

Workers have long looked to their employers to provide health insurance and retirement benefits. But as the costs and responsibility of choosing and paying for those benefits have shifted to employees, financial advisers play an important role...

Delaying Social Security can outperform investment returns

May 11, 2014

Anyone with a passing knowledge of the time-value of money knows that $1 in hand today is worth more than $1 at some time in the future. Consequently, the incentive to invest today is based on the presumption of a larger payoff later. One reader...

Social Security to resume mailing paper statements to some workers

April 21, 2014

Paper Social Security benefit statements are making a comeback — sort of. In response to my query last week, Social Security Administration spokesman William Jarrett confirmed that the agency will resume mailing personalized estimated benefit...

Practice makes perfect when it comes to retirement

April 20, 2014

Christine Fahlund, a senior financial planner and vice president at T. Rowe Price Group Inc., is an innovative thinker and researcher who has spent years trying to prepare Americans for retirement both financially and emotionally. On June 2,...

Adapt investment strategies to pay for long-term care

April 6, 2014

When families are facing long-term-care expenses, failure to adapt their investment strategies and tax planning to accommodate those costs could have a devastating effect on family wealth and the ability to fund needed care. Thomas West, a senior...

Making tough decisions to fix Social Security

March 9, 2014

Although politicians in Washington can't seem to agree on anything, many individual citizens have plenty to say about how government could be improved and where tax dollars should be spent. Fixing Social Security is a good place to start. Now...

Consider new uses of reverse mortgages for clients

February 16, 2014

For more than 20 years, reverse mortgages have been seen as a financial lifeline of last resort for seniors who are house-rich but cash-poor. Now, bolstered by the research of some leading financial advisers and new rules from the Department...

Public pensions offset Social Security

February 2, 2014

I have received a slew of questions recently from financial advisers who are trying to create retirement plans for married couples where one spouse has had a career in public service or public education. As advisers, it is important to know...

Don't overlook planning for health care during retirement

January 19, 2014

More than 40 years ago, author and futurist Alvin Toffler stunned the world with his predictions of rapid industrial and technological changes that would result in the information overload we all experience today. At some point decades in the...

Check out resources to become a Social Security expert

January 5, 2014

InvestmentNews readers often ask me for recommendations on books and other resources to help them get up to speed on Social Security-claiming strategies. It is a great way to start the new year if one of your resolutions is to become a Social...

Is age 70 the new 65 for retirement?

December 8, 2013

Due to increases in Social Security's delayed-retirement credit, the real retirement age is now 70, according to a recent research paper from the Center for Retirement Research at Boston College. Social Security benefits increase by 8% per year...

Tax break for repaying Social Security benefits

December 6, 2013

As more Americans begin to realize the value of delaying their Social Security benefits, some are rethinking their decision to claim reduced benefits early. You have 12 months from the date of your initial claim to change your mind. If you do,...

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