Results for "social security"

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Mary Beth Franklin: Clients short on understanding of longevity risk

July 31, 2012

Despite increasing life expectancy in the U.S., more than half of retirees and pre-retirees underestimate how long they may live, according to a new survey from the Society of Actuaries (SOA). A separate report released by the Insured Retirement...

Sen. Harkin proposes retirement plan revamp, Social Security fix

July 27, 2012

Sen. Tom Harkin, D-Iowa, on Friday proposed a way to bolster retirement savings at work, plus a series of improvements to Social Security. The proposal was outlined in a report released by Mr. Harkin, chairman of the Senate Committee on Health,...

Older clients' young children a Social Security windfall

July 16, 2012

I spend a lot of my time answering questions from InvestmentNews readers about Social Security benefits. The other day, Jeff Young, an adviser in Scottsdale, AZ, asked about the benefit options for a client who was nearing his 66th birthday....

Delaying Social Security benefits 'best deal in town'

May 24, 2012

By now, everyone should know that by delaying claiming Social Security benefits until an older age results in a bigger, inflation-adjusted monthly check for life. But a new study from the Center for Retirement Research at Boston College explains...

Young workers want sure things as 401(k) options

May 20, 2012

Employees in their 20s may have decades of investing ahead, but right now, they are craving access to guaranteed income through their 401(k) plans. Fully 95% of workers under 30 who don't have access to a guaranteed-income option at work would...

Want a smaller tax bite in retirement? It all depends on where you take income from

May 16, 2012

Minimizing taxes can go a long way toward prolonging a client's retirement income stream — and it all depends on which accounts are tapped for cash first. The temptation to pull out of a large 401(k) or an individual retirement account may...

Young workers on 401(k) offerings: We want sure things

May 14, 2012

Employees in their 20s may have decades of investing ahead, but right now they're craving access to guaranteed income through their 401(k) plans. Fully 95% of workers under 30 who don't have access to a guaranteed income option at work said...

Social Security makes a statement with virtual benefit estimates

May 3, 2012

In a budget cutting move last year, the Social Security Administration stopped mailing paper benefit estimates to workers, a move that caused an outcry among individuals and financial planners who rely on the documents as an important tool in...

Mary Beth Franklin reveals the magic number for claiming Social Security

May 1, 2012

Clients who are retiring most likely are holding on to a high-yielding fixed-income asset that's waiting for the right time to be deployed. It's called Social Security. Indeed, if the right strategies are deployed — and in particular, nailing...

Seven retirement questions all advisers should ask

April 30, 2012

The true philosophy of retirement planning can be boiled down to seven key questions advisers should ask their clients. That was the thrust of the keynote speech Moshe Milevsky, associate professor of finance at York University, made Monday...

Shrunken Social Security figures into advisers' plans

April 29, 2012

Anticipating a cloudy future for Social Security, many financial advisers are taking steps to de-emphasize the program's place in clients' retirement income plans. “We're telling clients who are over 70 and already receiving benefits that...

Social Security will be tapped out sooner than expected, warn Trustees

April 23, 2012

The Social Security Trust Funds will be exhausted in 2033, three years earlier than what the Social Security board of trustees had predicted a year ago. At that point, the funds will have enough non-interest income to cover about 75% of scheduled...

Avoiding a retirement 'tax torpedo'

April 15, 2012

If your clients can wait, here is yet another reason why it can pay to delay claiming Social Security benefits: a smaller tax bite in later years. Income in the early years of retirement that exceeds certain modest levels can trigger a “tax...

Secrets of social security: Your questions answered

April 10, 2012

After a recent appearance on Consuelo Mack's WealthTrack (watch here) discussing Social Security, InvestmentNews contributing editor Mary Beth Franklin quickly received more than 100 inquiries from advisers and investors about strategies and...

Advisers: Let me coach you on Social Security claiming-strategies

April 10, 2012

You're probably sick of hearing me talk about the importance of Social Security claiming strategies as the bedrock of a solid retirement income strategy. But I'm not alone. Today, Cathy Weatherford, President and CEO of the Insured Retirement...

Social Security meets a brave new world

March 20, 2012

I read a fascinating article in the Washington Post this morning about Social Security survivor benefits for minor children. Normally, when a parent dies, an unmarried child under age 18 is entitled to Social Security survivor benefits. The...

Americans: We're responsible for our financial well-being — just don't ditch Social Security

March 14, 2012

Americans see themselves on the court providing for their own financial well-being — but they want the government to be on the sideline ready to come into the game if they need help. A poll released Wednesday shows that 67% of those surveyed...

No. 1 retirement concern: Fear of the unknown

March 13, 2012

The latest Retirement Confidence Survey is out today. For the 22nd year, the Employee Benefits Research Institute and Matthew Greenwald & Associates have asked American workers about their retirement dreams and concerns. Not surprisingly, Americans'...

When 401(k) fees become transparent

March 11, 2012

Depending on to whom you talk, the new rules requiring 401(k) fee disclosure will be either a watershed moment for the financial services ind-ustry or a non-event. After more than four years of deliberation, public comments and delays, the Labor...

Raise age for Social Security, affluent Americans say

February 26, 2012

Affluent Americans support raising the Social Security age because people are living longer, according to a Bank of America Corp. survey. About 59% of those with more than $250,000 in investible assets said that the government should increase...

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