Results for "retirement"

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How advisers can help clients deal with Alzheimer's

March 3, 2013

No doubt you have heard stories of older adults who suddenly stop paying bills, lose track of their assets or are tricked out of their savings by unscrupulous family members, friends or acquaintances. Sometimes this isn't the result of fiscal...

8 notable trends in the VA business - Annual variables

March 1, 2013

Variable annuities are at a turning point in product development, as insurers juggle a desire to remain in the market without saddling their books with even more long-dated risk. Life insurers are suffering from lengthy periods of low interest...

It gets worse: Hedge fund star predicts bigger crisis than '08

March 1, 2013

Stan Druckenmiller, one of the best-performing hedge fund managers of the past three decades, has a warning for the youth of America: Don't let your grandparents steal your money. Druckenmiller, 59, said the mushrooming costs of Social Security,...

The next big rollover vehicle? Longevity insurance

March 1, 2013

Deferred-income annuities may be fairly new additions to the retirement products menu, but insurance executives already see them as potential mainstays in rollover accounts. At New York Life Insurance Co., which launched a DIA in 2011, sales...

Mary Beth Franklin: How to couple survivor and retirement benefits

February 28, 2013

I received a poignant e-mail from an adviser in Iowa this morning who had questions about when and how he should claim Social Security benefits after his wife, who has terminal cancer, passes away. Bill is 62. His wife, who is 64, has been receiving...

Willing suspension of benefits can boost Social Security payoff

February 27, 2013

I had a great question from an adviser in Hawaii the other day about one of his clients who had collected her Social Security benefits early at 62 and now regrets her decision. J.R. wants to know if his client Carmen, who turned 66 last September,...

Surprise! A trip to the Social Security office isn't hell on earth

February 25, 2013

The saga of one financial adviser's attempt to access his estimated benefit information from the Social Security Administration (SSA) has a happy ending. As you may recall, I recently wrote about Bob Taylor, an adviser from Chicago, who was...

Alzheimer's epidemic puts advisers — and their practices — at risk

February 24, 2013

The number of Americans with Alzheimer's disease is expected to nearly triple by 2050. This impending epidemic will put even more pressure on advisers as they try to help clients prepare for the possibility of a costly health crisis. According...

Insurers tweaking fees, not products, in variable annuity world

February 24, 2013

Product development was muted for variable annuity issuers in the fourth quarter, but companies were very busy making tweaks to product fees. During the fourth quarter of 2012, life insurers filed a total of 101 product changes, down from 130...

Tackling online accounts for Social Security a pain

February 24, 2013

Technology is maddening at times. Just ask Bob Taylor, a financial planner from Chicago who works with clients who are in or nearing retirement. After reading my Jan. 28 column, “Social Security goes fully paperless,” he decided to set up...

Eighty-sixing 12(b)-1 fees won't help IRA holders: Researchers

February 22, 2013

Making individual retirement accounts safer for investors will take more than just getting rid of 12(b)-1 fees. That's the conclusion reached by Boston College's Center for Retirement Research in a recent report in which the authors questioning...

Mary Beth Franklin: Jumping the gun on Social Security a big mistake

February 19, 2013

I feel like I've created a monster! For the last several years, I've have been trying to get the message out to consumers and financial advisers that there are ways to increase lifetime Social Security benefits depending on how and when you...

Mary Beth Franklin: Virtual Social Security accounts can be a real pain

February 17, 2013

Technology can be maddening at times. Just ask Bob Taylor, a financial planner from Chicago who works with clients who are in or nearing retirement. After reading my January 27 column Social Security goes fully paperless (,...

Take a fresh look at Roth conversions

February 17, 2013

Now that we finally know the tax laws for this year, it is time to sit down with clients and re-evaluate their financial and tax plans. Some may be relatively unaffected by the American Taxpayer Relief Act of 2012, while others may require adjustments....

Pru fee hike another nail in VA coffin

February 17, 2013

Rising fees for variable annuities at Prudential Financial Inc. are making some financial advisers and broker-dealers question whether the value proposition for VAs is shrinking. The insurer has filed with the Securities and Exchange Commission...

Pru's VA price hike too much for Raymond James

February 11, 2013

Prudential Financial Inc.'s decision to raise the fees on its Premier Retirement variable annuity is causing some broker-dealers to think twice about offering it. The insurer has filed with the Securities and Exchange Commission updates for...

Lump sum payouts for Social Security? Yep

February 11, 2013

I received an e-mail from a reader the other day asking if I was aware of the bonus lump sum payment available for those who wait until after their full retirement age to claim their Social Security benefits. I was, of course, aware of the 8%...

IRS plans to update guidance on Roth options

February 10, 2013

The Internal Revenue Service anticipates issuing guidance this year on expanded Roth options for defined-contribution plans contained in the American Tax Relief Law, which was signed by President Barack Obama on Jan. 2. Prior to the new law,...

Retirement planning can hurt health

February 10, 2013

Traditional retirement income planning, which emphasizes investing in tax-deferred vehicles such as 401(k) plans and individual retirement accounts, could be a ticking time bomb. And the reason could be surprising: higher Medicare premiums....

Low-rate environment means slower withdrawal pace: Study

February 10, 2013

Financial advisers who expect low interest rates to last might want to take a second look at clients' withdrawal rates during retirement. It seems that a 2.8% withdrawal rate over a retirement period of 30 years, with a 40% allocation to stocks,...

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