Results for "retirement"
Displaying 3,428 results

Social Security benefits for grandchildren
April 5, 2018
Perhaps it is a sign of the times, but I have noticed an uptick in questions from InvestmentNews readers about the possibility of grandchildren being able to collect Social Security benefits on their grandparent's earnings record. In some cases,...

New rules for a 21st century retirement
April 2, 2018
A 21st century retirement needs a new set of rules to provide financial and emotional security for a post-career period that can last 30 years or more. "Rewirement: Rewiring the Way Your Think About Retirement," a new book by professor Jamie...

Deciphering Social Security survivor benefit rules
March 23, 2018
A financial adviser from South Carolina reached out to me recently for help sifting through the numerous Social Security regulations affecting potential benefits for his recently widowed client. "This is probably the most complex situation I...

State auto-IRA programs poised to catch advisers' attention
March 13, 2018
The first state auto-IRA plan is up and running. OregonSaves, which launched last year, has more than 19,000 individuals and 300 companies participating. What does this mean for financial advisers? Oregon's foray into the retirement arena is...

Social Security benefits losing buying power
March 20, 2018
Automatic cost-of-living adjustments are supposed to help Social Security benefits keep pace with inflation, but years of low inflation and rising Medicare costs are threatening the adequacy of a key component of seniors' income. Over the past...

Your role in people's happiness
March 17, 2018
Every day we hear about financial wellness and financial wellness programs. And the attention is justified. As advisers, you are probably involved in some aspect of increasing people's sense of financial wellness, either individually or programmatically....

Retirement risks keep rising
January 23, 2018
Half of working-age households in the U.S. were on track in 2016 to be able to maintain their standard of living in retirement, according to the National Retirement Risk Index report out this month from the Center for Retirement Research at...

Financial advisers should avoid error by omission and consider reverse mortgages
January 22, 2018
Over the past few years, I have been very outspoken about the need for financial advisers to incorporate reverse mortgages into their practices, especially those acting under a fiduciary duty of care or doing retirement income planning. As a...

401(k) advisers vs. institutional consultants: On a collision course?
January 31, 2018
At a recent industry conference that primarily attracted consultants and providers for the largest retirement plans, a Willis Towers Watson representative asked me in the elevator where I was from. I answered, "The dark side." He laughed, but...

Chipping away at entitlement reform
March 5, 2018
The 2034 deadline when the Social Security trust funds are scheduled to run dry gets closer every day. At that point, there would be enough revenue from earmarked payroll taxes to pay about 75% of promised benefits — assuming Congress does...

Questions to ask to stay compliant as rules change
March 17, 2018
The regulatory landscape for investment advice fractured in 2017. States enacted new rules. The Securities and Exchange Commission began to focus on a definition of "fiduciary." And the National Association of Insurance Commissioners began considering...

401(k) robo-revolution is underway
March 17, 2018
Tech upstarts are making inroads into 401(k) plans and that's bad news for some retirement plan advisers. Such fledgling companies as Betterment for Business, ForUsAll, Human Interest and Vestwell, as well as more established players such as...

Growing pains for 401(k) advisers
March 17, 2018
Darwinian forces are resulting in the survival of the fittest. With 401(k) provider fees declining and profit margins shrinking, especially for defined-contribution investment-only providers, the budgets to support retirement plan advisers are...

Social Security and divorce: Mary Beth Franklin answers your questions
March 7, 2018
During a recent webinar on how to maximize Social Security benefits, I received a question from an attendee that perfectly summarizes the type of challenge that many financial advisers face when trying to help divorced clients create a secure...

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...

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...
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...
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Older boomers embrace retirement, study finds
December 6, 2017
A funny thing happened on the way to retirement. For many boomers, fear of the unknown gave way to contentment once they got to the other side. Six out of 10 retired boomers feel better than expected about their retirement, according to a new...

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...

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...