Results for "Retirement Watch"

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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...

Threats to a fulfilling retirement

September 30, 2012

As workers retire, many will seek to convert savings into income streams to meet their desired standard of living. An evolution toward a fixed-income-heavy asset allocation is thus a common practice in retirement planning. However, the risks...

Help make sense of fee disclosure

September 16, 2012

Fee disclosure is the new reality for qualified retirement plans that fall under the Employee Retirement Income Security Act of 1974. The requirements are an opportunity for financial advisers to increase business, as employers will be looking...

Sequence risk a threat to retirees

September 9, 2012

Two severe bear markets during the past decade have put a spotlight on something that was easily overlooked during the bull market runs of the 1980s and 1990s: sequence risk. It is among a growing number of concerns for advisers to address as...

Social Security payroll tax's future

August 19, 2012

In February, Congress reached an 11th-hour agreement to extend the 2% Social Security payroll tax reduction through the end of the year. Like most matters related to taxes and Social Security, the decision generated significant debate, given...

Health care planning a key element

July 29, 2012

Few issues in American life generate higher anxiety than rising health care costs. This year's presidential election, for example, is sure to have health care as a central, contentious issue. And anyone who looks at the data knows that Medicare...

RIAs and insurers are coming together

June 24, 2012

The demographic wave of 76 million boomers entering retirement over the next two decades is crashing into a set of circumstances that threatens retirement security for millions of people. Pensions and Social Security are under threat. Historic...

Bringing real assets to 401(k)s

June 10, 2012

In recent years, many defined-contribution plans have used target date funds as the default option of choice. But few of these funds reach beyond the traditional stock and bond asset allocation model, adjusted periodically for the participant's...

Preparing for retirement plan audits

May 27, 2012

For some, “audit” can be the most feared word in the English language. And this year, the Labor Department is doing its utmost to spread the word. The buzz is that the department is stepping up its efforts to audit 401(k) plans and other employer-sponsored...

Stable-value products alive and well

May 13, 2012

The validity of stable-value products within a retirement plan has been both espoused and denounced for the better half of the last decade. The exclusion of these products as a qualified default investment alternative in the Pension Protection...

Family duties can threaten retirement

April 29, 2012

Your baby boomer clients are retiring during a period of prolonged market volatility, high unemployment, rapidly rising health care costs and plummeting home values. You know how this has affected their retirement plans, but have you considered...

401(k) disclosure doesn't go far enough

April 1, 2012

This year, 72 million Americans will open their quarterly 401(k) statements and for the first time get a glimpse of the cost of their plans as spelled out in new fee disclosures. Likewise, 483,000 plan sponsors will receive similar fee disclosures...

What's behind money in motion

March 18, 2012

“Money in motion” is a common term in financial services. There are trillions up for grabs and everyone is fighting to get his or her share. Many people think that the retiring baby boomers are the main story behind money movement. But the...

Picking the right cash flow strategy

March 4, 2012

It isn't an easy time for retirees and those nearing retirement to settle on a cash flow strategy. Consider the head winds that they face: • Stock market returns have been disappointing, and fixed-income yields are historically low. Ten-year...

Look deeper in choosing target funds

February 19, 2012

As the popularity of target date funds has grown over the past five years, so too has the publicity around the differences among the managers and the wide variations in performance and risk exposure that can result. The lack of a consistent...

Have no fear of DOL fee disclosure regs

October 16, 2011

The late TV journalist David Brinkley once mused that a successful person is someone who can build a foundation from the bricks that others have thrown at him or her. He could have been reporting on today's retirement plan marketplace. Financial...

The difference tax-free income makes

September 18, 2011

Income sources are not all created equal from a tax perspective. During retirement, when the bulk of an investor's cash flow comes from Social Security, pensions, individual retirement account distributions and other savings, the distinctions...

Connect with middle-age investors

September 4, 2011

Advisers looking to expand their client pool in these turbulent times would do well to take a second look at affluent middle-age investors. Traditional wisdom is that the money is with older investors. Yet early-, mid- and late-career investors...

Selling small businesses on retirement plans

August 21, 2011

As overall longevity increases, outliving retirement resources is more likely than in the past, making retirement planning more important than ever. And yet it probably comes as no surprise that retirement planning is woefully neglected, even...

Digging deep for income streams

August 7, 2011

Recent studies have shown that about 78% of the financial assets in the United States are held by retirees and baby boomers over 50. A large portion of this group isn't covered by a traditional pension plan. They will need to rely on personal...

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