Results for "On Retirement"

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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...

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...

Social Security goes fully paperless

January 27, 2013

Financial advisers were among the most vocal critics when the Social Security Administration first suspended mailing annual benefit statements to workers as a cost-saving measure in mid-2011. The mailing of these documents that are so crucial...

Why the merry widow is so merry

January 20, 2013

S eniors involved in later-life romances sometimes choose to live together rather than remarry, in order to preserve pension benefits of a previous spouse or to avoid becoming responsible for the debts of their new partner, including long-term-care...

How self-employment made my season bright

January 13, 2013

I spent part of my Christmas holidays estimating my tax liability for 2012. Exciting stuff, huh? But rather than the usual gnashing of teeth that accompanied many of my tax-filing season computations in the past, I was pleased with my initial...

Retirees can cut their taxes by delaying Social Security

December 16, 2012

When individual retirement accounts and 401(k)s were created decades ago, the idea was to offer tax-deferred savings on retirement plan contributions while workers were most likely in their highest tax brackets and to tax distributions during...

Helping clients in their search for an encore career

November 4, 2012

My older siblings are often my inspiration in researching and writing about retirement. My sister Sue, who will turn 70 next April, has been trawling for a part-time job ever since the dentist she worked for decided to retire last year. After...

Annuities suffer from a branding problem

October 21, 2012

Against a backdrop of low interest rates on savings and a volatile stock market, near and current retirees are hungry for predictable, guaranteed income for life. But many clients and, in some cases, their financial advisers generally reject...

Confusion over Medicare provides opportunities for financial advisers

October 7, 2012

With so many people now working past 65, clients often ask their financial advisers when they should sign up for Medicare. As is often the case with complicated government programs, the answer is: It depends. Generally, anyone who has paid into...

Advisers can help with Medicare

September 23, 2012

Over the next few weeks, many of your retired clients will be bombarded with advertisements from health insurance companies touting their Medigap and Medicare Advantage plans. Some of your clients may look to you for guidance, as health care...

Retiring south of the border

September 9, 2012

Traditionally, retirees in search of warm weather, year-round sunshine and lower taxes relocate to places such as Florida and Texas. But the Great Recession took a heavy toll on many Americans' retirement dreams. In the wake of lost jobs, shrunken...

Advisers blow Social Security benefits quiz

September 2, 2012

Most financial advisers consider it an important part of their job to educate their clients about how Social Security benefits fit into their retirement income plan. But some inadvertently may be hurting their female clients because they don't...

Keeping your clients from grabbing the cookie

August 26, 2012

Despite the fact that many Americans haven't saved enough for retirement, the majority claim Social Security benefits at the first opportunity, substantially reducing their monthly benefit for the rest of their lives. It seems that humans, despite...

One way to boost Social Security benefits: A do-over

August 19, 2012

Apparently, my recent blog about how married couples can coordinate their strategies in claiming Social Security to maximize their lifetime benefits served as a floodgate. And now that the gate is open, questions about Social Security benefits...

Secret weapon for maxing out Social Security benefits? Your spouse

August 12, 2012

Hardly a day goes by that I don't receive an e-mail from InvestmentNews readers about strategies on how to claim Social Security. I usually respond to them privately, but a question from a financial adviser in Los Angeles was so good that I...

Playing with money

August 12, 2012

Economics professor Teresa Ghilarducci, an ardent critic of the 401(k) system, created quite a buzz with a recent opinion piece, “Our Ridiculous Approach to Retirement,” in The New York Times. Basing a retirement system on individuals' voluntarily...

Test-driving retirement plans

July 22, 2012

For many preretirees, the idea of post-career living, where every day is like Saturday, is tantalizing. In reality, nearly half of retirees find it difficult to adjust to the lack of structure, loss of identity and boredom. The problem is inadequate...

Lump-sum offers present risks and opportunities

July 8, 2012

Ford Motor Co. and General Motors Co. made headlines over the past two months when they offered nonunion retirees a chance to swap their monthly pensions for a lump-sum payout. Although only about 130,000 retirees are affected by the auto giants'...

New fee disclosure rules could shake up 401(k) world

June 24, 2012

Financial advisers who work with 401(k) plan sponsors — as well as those prospecting for new clients in the retirement plan arena — will get a chance to shine this summer when new Labor Department fee disclosure rules kick in July 1. Plan...

'Classic' retirement becoming less likely

May 27, 2012

Once upon a time, the storybook vision of retirement focused on endless leisure hours filled with golf and travel. Whether that idealized vision was ever real for the majority of retirees is questionable. But for a growing number of today's...

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