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American Retirement Association adds Plan Sponsor Council of America

November 15, 2017

The Plan Sponsor Council of America, an organization of employee-benefit-plan sponsors, is joining the 20,000-member American Retirement Association, an umbrella group of retirement-related groups. The PSCA will become a membership division...

Coordinate couples' income needs ahead of time

October 26, 2017

The differences between men and women have been humorous fodder for late night talk shows, movies and books for a long time. But planning for retirement as a couple is serious business. We know the stats: women live longer than men, typically...

Smart data can improve behavior, outcomes for retirement savers

November 9, 2017

We have all heard of big data, which the defined contribution industry has not leveraged sufficiently and has gotten a black eye for it. At a recent industry conference, I heard Tina Wilson, senior vice president at MassMutual, mention a new...

Retirement Planning is Possible While Caring for a Child with Autism

October 16, 2017

Without question, parenting a child with autism comes with a unique set of circumstances that can only be understood by others who have experienced the same highs and lows. There is a steep learning curve – one that I can't say I've fully...

Seniors scramble to beat reverse mortgage deadline

September 26, 2017

I received a frantic phone call from a reverse mortgage lender in California last week. He said he was worried about the large number of senior homeowners who were scrambling to qualify for a reverse mortgage before new, more restrictive lender...

How to take the Medi-scare out of retiree healthcare costs

October 23, 2017

I don't think it's a coincidence that Halloween and Medicare open enrollment season occur at about the same time each year. Although some people like to celebrate Halloween by dressing up as ghosts and zombies, for seniors, no costumes are needed...

Retirement-income theories confront reality

September 12, 2017

I spent part of my post-Labor Day week at the beach catching up on my professional reading. I knocked off eight issues of the Journal of Financial Planning and scored eight hours of continuing education credits by taking the online quizzes available...

401(k) advisers under pressure to keep up with due diligence of investment products

October 24, 2017

Regulation and market forces are driving rapid evolution of investment products. Costs are coming down, conflicts are coming under closer scrutiny, and competitive pressures – along with shifting investor objectives – are reshaping new product...

SEC and DOL should agree on tough fiduciary rules

October 26, 2017

Harmonization is a beautiful concept. In standards-setting it means bringing into agreement different systems that have evolved separately to reduce or eliminate redundancies or conflicts. Yet the mechanics can be complicated, constrained by...

How plan advisers can ease stress about retirement readiness

September 19, 2017

According to a recent retirement confidence study conducted by the Employee Benefit Research Institute, American workers are stressed about their inability to retire, but few are doing anything about it. For retirement plan advisers, this is...

Are we calculating investor underperformance in the right way?

June 5, 2017

If I had invested $10,000 into large-capitalization U.S. stocks in January 1926, I would have a portfolio worth $60,351,158 at the end of 2016. Very impressive. This represents an annualized return of 10.04%. Of course, an unfortunate reality...

Medicare rules are needlessly complex

October 9, 2017

People who collect Social Security benefits early are automatically enrolled in Medicare when they turn 65. But as increasing numbers of Americans delay claiming Social Security benefits until older ages when they are worth more, many of them...

Pew survey finds support for state auto-IRA programs

October 6, 2017

A survey of workers' attitudes toward state-sponsored automatic IRA programs released Thursday by The Pew Charitable Trusts found widespread support. Pew officials surveyed more than 900 workers without access to retirement plans at small and...

Investment consultants have poor record recommending funds

August 25, 2017

To borrow a joke from the movie "Shrek," money management is like a parfait -- it has a lot of layers. There's the person who recommends investments for you -- a financial adviser, a wealth manager, a pension-fund manager or a private banker....

How to appeal higher Medicare premiums

September 6, 2017

It's time to prepare higher-income clients for a nasty surprise that awaits some of them this fall. Notices of monthly surcharges involving both Medicare Part B and Part D premiums in 2018 will be sent to affected Medicare enrollees in October....

Stay up on Medicare enrollment with annual reviews

October 2, 2017

The last quarter of the year is a busy time for financial advisers. It's a time to review investment portfolios with clients to identify possible tax-loss harvesting opportunities and to encourage working-age clients to maximize their annual...

Market downturns in first few years of retirement can thwart best-laid plans

April 25, 2017

Portfolio returns in the early years of retirement could have a large bearing on the success or failure of a retirement income strategy; a few years of early market appreciation means a high likelihood for a healthy retirement, while a flat...

Retirees embrace the gig economy

April 21, 2017

It turns out that the three-legged stool of retirement income may not be not be dead after all. But for a growing number of retirees, the components of retirement income are shifting. Several new surveys suggest that retirees are becoming more...

Small and large course corrections can add up to big savings for retirement

February 15, 2017

American retirement is a huge riddle. How do you save for something when you don't know what it will cost or how long it will last? That's the challenge faced by millions of Americans, so it may not be surprising that most are coming up short....

2017 will be year of change for retirement industry

December 27, 2016

The financial advice industry faced some significant headwinds in 2016 from the rise of competition from robo-advisers to the historic expansion of regulation under the Department of Labor's fiduciary rule. Although the economic and public policy...

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