Results for "On Retirement"

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Stay married for a decade to get benefits

December 16, 2012

During a gathering of Social Security wonks at the Newseum in Washington last month, I joked that perhaps marriage vows should be rewritten to raise awareness of the value of Social Security benefits for divorced individuals under certain conditions....

Helping clients in their search for an encore career

November 4, 2012

My older siblings are often my inspiration in researching and writing about retirement. My sister Sue, who will turn 70 next April, has been trawling for a part-time job ever since the dentist she worked for decided to retire last year. After...

Annuities suffer from a branding problem

October 21, 2012

Against a backdrop of low interest rates on savings and a volatile stock market, near and current retirees are hungry for predictable, guaranteed income for life. But many clients and, in some cases, their financial advisers generally reject...

Confusion over Medicare provides opportunities for financial advisers

October 7, 2012

With so many people now working past 65, clients often ask their financial advisers when they should sign up for Medicare. As is often the case with complicated government programs, the answer is: It depends. Generally, anyone who has paid into...

Advisers can help with Medicare

September 23, 2012

Over the next few weeks, many of your retired clients will be bombarded with advertisements from health insurance companies touting their Medigap and Medicare Advantage plans. Some of your clients may look to you for guidance, as health care...

Retiring south of the border

September 9, 2012

Traditionally, retirees in search of warm weather, year-round sunshine and lower taxes relocate to places such as Florida and Texas. But the Great Recession took a heavy toll on many Americans' retirement dreams. In the wake of lost jobs, shrunken...

Advisers blow Social Security benefits quiz

September 2, 2012

Most financial advisers consider it an important part of their job to educate their clients about how Social Security benefits fit into their retirement income plan. But some inadvertently may be hurting their female clients because they don't...

Keeping your clients from grabbing the cookie

August 26, 2012

Despite the fact that many Americans haven't saved enough for retirement, the majority claim Social Security benefits at the first opportunity, substantially reducing their monthly benefit for the rest of their lives. It seems that humans, despite...

One way to boost Social Security benefits: A do-over

August 19, 2012

Apparently, my recent blog about how married couples can coordinate their strategies in claiming Social Security to maximize their lifetime benefits served as a floodgate. And now that the gate is open, questions about Social Security benefits...

Secret weapon for maxing out Social Security benefits? Your spouse

August 12, 2012

Hardly a day goes by that I don't receive an e-mail from InvestmentNews readers about strategies on how to claim Social Security. I usually respond to them privately, but a question from a financial adviser in Los Angeles was so good that I...

Playing with money

August 12, 2012

Economics professor Teresa Ghilarducci, an ardent critic of the 401(k) system, created quite a buzz with a recent opinion piece, “Our Ridiculous Approach to Retirement,” in The New York Times. Basing a retirement system on individuals' voluntarily...

Study: Having plan in place inspires confidence

July 29, 2012

The Great Recession left many American families struggling to make ends meet, but those who have prepared a financial plan feel more confident and report more success in managing money, savings and investments than those who have not. Half of...

Test-driving retirement plans

July 22, 2012

For many preretirees, the idea of post-career living, where every day is like Saturday, is tantalizing. In reality, nearly half of retirees find it difficult to adjust to the lack of structure, loss of identity and boredom. The problem is inadequate...

Lump-sum offers present risks and opportunities

July 8, 2012

Ford Motor Co. and General Motors Co. made headlines over the past two months when they offered nonunion retirees a chance to swap their monthly pensions for a lump-sum payout. Although only about 130,000 retirees are affected by the auto giants'...

New fee disclosure rules could shake up 401(k) world

June 24, 2012

Financial advisers who work with 401(k) plan sponsors — as well as those prospecting for new clients in the retirement plan arena — will get a chance to shine this summer when new Labor Department fee disclosure rules kick in July 1. Plan...

'Classic' retirement becoming less likely

May 27, 2012

Once upon a time, the storybook vision of retirement focused on endless leisure hours filled with golf and travel. Whether that idealized vision was ever real for the majority of retirees is questionable. But for a growing number of today's...

Health becoming new focus of wealth

May 13, 2012

G uess which financial issue is uppermost in your preretiree clients' minds, yet one that they seldom will discuss with you? The answer — and a huge problem for society as a whole, as well as your clients, in particular — is health care....

Avoiding a retirement 'tax torpedo'

April 15, 2012

If your clients can wait, here is yet another reason why it can pay to delay claiming Social Security benefits: a smaller tax bite in later years. Income in the early years of retirement that exceeds certain modest levels can trigger a “tax...

Buckets vs. systematic withdrawals

March 25, 2012

Financial professionals prepared to help retiring clients develop a strategy for turning savings into lifetime income stand to tap a huge market. Cerulli Associates Inc. projects that IRA assets will increase 37% over the next four years to...

When 401(k) fees become transparent

March 11, 2012

Depending on to whom you talk, the new rules requiring 401(k) fee disclosure will be either a watershed moment for the financial services ind-ustry or a non-event. After more than four years of deliberation, public comments and delays, the Labor...

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