Results for "Retirement Watch"

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Higher earnings limit applies at 66

August 25, 2013

My recent column on how the Social Security earnings cap is applied during the first year of retirement triggered several more questions. Normally, people who collect Social Security benefits before the full retirement age of 66 must forfeit...

Health care will take center stage

August 18, 2013

The implementation of the Affordable Care Act provides a perfect opportunity to discuss with clients how they will pay for health care during retirement. The cost of health care is justifiably one of the biggest retirement-planning concerns...

Prepare for the dreaded drawdown

July 28, 2013

Retirement drawdown is a top focus among advisers who have a preponderance of baby boomer clients, according to Cerulli Associates Inc. Here are five tips for managing your practice through this phase. Assess your client base. Chances are that...

Designing 401(k)s that really work

July 14, 2013

When “Frontline” aired “The Retirement Gamble,” its controversial feature on retirement investing, it caused a firestorm of reaction from financial advisers, plan sponsors, plan providers and investors. Although it provided a good start...

Mary Beth Franklin: Change the conversation about retirement planning

June 23, 2013

Every financial adviser knows that one of the best ways to minimize investment risk is to diversify among asset classes. And there is general agreement that the key to successful retirement planning is to start early and save as much as you...

Coaxing boomers to keep investing

May 26, 2013

The stock market has recovered from the plunge sustained during the financial crisis, but that doesn't mean the confidence of your clients has been fully restored. Some fear lingers when it comes to investing, and chances are, you've seen this...

Flexibility key to retirement planning

May 12, 2013

Ever since William Bengen's article about retirement withdrawal rates was published in 1994, his 4% “safe” rate has been analyzed from different perspectives with dissimilar conclusions. Depending on the assumptions, a safe withdrawal rate...

On Retirement: Fewer, better retirement income designations needed

May 5, 2013

I applaud the Consumer Financial Protection Bureau's recent report warning that the proliferation of sometimes-questionable senior certifications and designations can put older adults at serious risk. But I hope that it won't dampen the enthusiasm...

How to figure out a retirement budget

March 17, 2013

The ultimate retirement- planning question is simply stated but not necessarily easy to answer: How much in savings is needed to secure a comfortable retirement? In a recent survey from Ameri-prise Financial Inc., working Americans 50 to 70...

Seeking income in a low-rate world

March 3, 2013

Sixty is the new 40. At least that's how some investors at or near retirement would like to think of their portfolio's asset allocation model and its potential returns. As baby boomers migrate out of the traditional 60/40 allocation model —...

Options abound for income-seekers

February 17, 2013

Retired people and those approaching retirement are particularly challenged in finding investments to help meet their income needs. With interest rates at historic lows, investors can't rely solely on bonds but must seek out opportunities in...

Congress gives Roth 401(k)s new life

January 20, 2013

As the curtain came down on 2012, most investors assumed that with it went the best opportunity for Roth conversions. The general expectation was that higher tax rates this year would make Roth conversions less attractive for a broad swath of...

Five ways to strengthen the 401(k)

January 6, 2013

As the nation's retirement population continues to grow, 401(k)s have become a target of critics who contend that the system has failed American workers and that it will never allow participants to accumulate enough money for a secure retirement....

Why singles should not claim Social Security at 66

December 19, 2012

It's becoming common knowledge that married couples who coordinate their Social Security claiming strategies to take full advantage of retirement, spousal and survivor benefits can significantly increase their income over their joint lifetimes....

The case for fixed-indexed annuities

December 9, 2012

So far this year, somewhere around $34 billion worth of fixed-indexed annuities have found their way into Americans' retirement portfolios. Though that's well below the $80 billion in variable annuities purchased, the gap is closing. And there...

Prepare for a fight on tax policy

December 2, 2012

How much will clients pay in taxes next year? What will they owe five years from now? Financial advisers who are unsure aren't alone. With a fight on tax policy brewing inside the Beltway, uncertainty abounds. But whatever happens, the battle...

Women willing to ask for directions

November 11, 2012

The warning bells about America's pending retirement income crisis may be ringing loudest for women — the largest and least prepared group entering retirement. As a cohort, women tend to live longer, earn less and have less direct experience...

Health care cost estimates are crucial to retirement income planning

November 4, 2012

Discussing health care costs during retirement with clients is new territory for many financial advisers, but few have the knowledge and resources to do it well. However, four in five advisers said they know that if they have these discussions,...

Avoid beneficiary designation errors

October 28, 2012

If you ever have spent time helping clients or their heirs work through an estate plan that was botched due to im-proper beneficiary designations on individual retirement accounts and qualified plans, you know how costly these mistakes can be....

Do plan advisers understand their risks?

October 7, 2012

New federal regulations mandating fee and compensation disclosure are the latest reminder to plan advisers and fiduciaries of the perils of providing services to ERISA-regulated benefit plans. Many investment advisers are unaware of how recent...

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