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Is a financial plan enough?

August 3, 2015

To live well in retirement, clients and their advisers have to embrace change —and longevity planning. As clients get older, their circumstances will continue to change, sometimes rapidly. What doesn't change is their desire to be independent,...

Planning for the post-4% generation

July 26, 2015

The 4% rule was created by a financial planner named Bill Bengen more than 20 years ago. His goal was to come up with a sustainable rate of spending that a retiree could safely withdraw from their portfolio on an annual basis. His research found...

How advisers can get Gen Yers to take some risk

July 6, 2015

Generation Y (age 18-34) is very concerned about the future of Social Security and has a strong desire for other sources of guaranteed income, such as annuities, to provide secure monthly income in retirement. That's according to a new study...

7 risks for retirement income planning

June 15, 2015

Retirement income planning has emerged as a distinct field in the financial services profession. And while it suffers from many growing pains as it gains recognition, increased research and brainpower in the field have benefited retirees and...

Help clients before they become the family bank

May 29, 2015

It is a difficult situation familiar to many advisers. Their client has taken all the right steps to prepare for retirement, saved and invested responsibly, and considered longevity, inflation, market, health care and other risks. Yet just as...

How gamification can help get clients to plan for retirement

May 15, 2015

Giving financial advice isn't fun and games. Money is serious business, and running out of it in retirement is among our clients' biggest concerns. However, as financial professionals, we sometimes take ourselves too seriously, which runs the...

Surviving a rising rate environment

May 10, 2015

Although the Federal Reserve has sent some mixed signals to the credit markets recently, most don't question if interest rates will rise, but when. And when the rate hike does come, advisers with clients in or near retirement will need to carefully...

Help clients navigate new landscape

March 15, 2015

Retirement used to mean the end of work, but not anymore. A recent national study by Merrill Lynch and Age Wave found that nearly half (47%) of today's retirees say they either have worked or plan to work during their retirement. And fully 72%...

Why an offense-only strategy won't succeed

March 1, 2015

People who can be classified as members of the growing mass-affluent group might be considered better informed and more sophisticated when it comes to planning their financial future. They have achieved success by working hard, and they've invested...

Recent Supreme Court case offers lessons for managing inherited IRAs

January 9, 2015

Assets held in IRA accounts totaled more than $7 trillion at the end of the second quarter of 2014, according to the latest available data. Based on our rapidly aging population and other factors, it's reasonable to assume significant and increasing...

The right glide path for smaller accounts

January 4, 2015

The debate about target date funds revolves around the nature of the glide path and how aggressive it should be with respect to the equity allocation near the retirement date. It's not a black or white question. As with other investments, what's...

Is your core strategy getting flabby?

December 21, 2014

With a historic amount of assets shifting between asset management firms, many retirement plan advisers and plan sponsors are re-examining their bond investing strategies. Just about every plan participant has an allocation to core bonds, which...

Baby boomer clients need input on medical expenses in retirement

December 7, 2014

As a financial professional, it's unlikely you went to medical school. But even if you're not an M.D., don't be surprised if clients seek your advice on complex health care decisions as they approach retirement. According to a study on health...

IRA rollovers under more scrutiny

November 9, 2014

Years of low-growth markets, combined with numerous geopolitical events, have kept advisers busy enough to be excused for missing a number of important developments that affect individual retirement accounts. In recent years, federal regulatory...

A lot of choices can be a bad thing

September 21, 2014

Like in the grocery store aisle, Americans are confronted with a dizzying array of choices when it comes to mutual funds. On the surface, it would appear consumers benefit from being able to choose from dozens of salad dressings — or thousands...

Long-term-care options have evolved

July 13, 2014

Much has changed in the past two decades when it comes to long-term-care op-tions and how to fund them. Baby boomers and subsequent generations will need to plan for long-term care in a different way than their parents in light of factors such...

Rethinking traditional risk questionnaires

May 25, 2014

It's one of the first things you ask a new client and forms the bedrock of the retirement planning you will do together. “Are you a conservative, moderate or aggressive investor?” The client answers a quick five- or 10-question survey and...

Get clients to take ownership of retirement

April 27, 2014

We have reached a critical juncture regarding retirement in this country. Recent research shows that the United States trails most developed nations in retirement security, as severe fiscal pressures and strained government resources are placing...

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...

Get set for 21st-century retirement

March 30, 2014

In a previous column ("Face the new retirement reality," Feb. 17), we discussed the 21st-century version of retirement and how it will likely include part-time work or flexible working arrangements, in addition to income from Social Security...

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