Results for "On Retirement"

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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...

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...

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...

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