Results for "On Retirement"

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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...

Beware: Medicare surcharges can change throughout year based on latest tax return

January 17, 2018

It's a new year and time for another dispatch from the retirement front, an occasional series of columns where I chronicle life with my retired husband and describe our personal retirement decisions. I hope it provides some insights to advisers...

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...

Last chance for clients to save on drug costs

December 1, 2017

There are only a few shopping days left—and I'm not talking about storming the local mall or clicking your way through to fulfill your loved ones' holiday wish list. I'm referring to something that can save older Americans significant...

The coming financial caregiving crisis

November 1, 2017

Here's a riddle for you. What is one of the largest, yet virtually invisible, segments of the population? Answer: Caregivers. Today's 40 million family and friend caregivers make up about 16% of the adult population in the United States. And...

Social Security underpaid some survivor benefits

August 21, 2017

Social Security survivor benefits can serve as a crucial lifeline for widows and widowers. But a newly released report by the Social Security Administration's Office of the Inspector General (OIG) found that more than 100,000 widows and widowers...

How to fund a Social Security delay

August 11, 2017

The math is simple: For every year a person postpones claiming Social Security beyond full retirement age, benefits increase by 8% per year up to age 70, boosting benefits by up to 32%. The catch: What to do for income until then? For an increasing...

Good health is key to retirement security

August 8, 2017

The key to retirement security has traditionally focused on money. But lately, the discussion has embraced health as an increasingly important component in the retirement security equation. In fact, health status during working years and health-care...

Missing from Retirement Income Planning: A Plan

July 21, 2017

While it may be hard to believe, most pre-retirees and retired clients who work with a financial adviser do not have a written retirement income plan, according to new research from LIMRA Secure Retirement Institute, a research arm of the insurance...

Don't mess with Social Security disability rules ​

June 20, 2017

Most of the questions I receive about Social Security claiming strategies pertain to retirement and survivor benefits. But increasingly, readers have been soliciting my advice about Social Security rules regarding disability benefits. It is...

Retirement taxes are not for sissies

May 11, 2017

You may have heard the saying "old age is not for sissies." Well, neither are taxes when it comes to figuring out how an extra dollar of retirement income can boost taxable income by three times that amount. "Taxes are a critical piece in retirement...

Milestone birthday triggers crucial financial decisions

May 5, 2017

It all began with my husband's surprise party. I planned an intimate dinner with close friends and family at a local restaurant to celebrate his 65th birthday. Mission accomplished. He was surprised, and we all had a good time. Little did we...

Courses available to become a Medicare pro

April 12, 2017

Like it or not, clients near retirement often have burning questions about when to enroll in Medicare, particularly if they are still working. If they are enrolled in Medicare already, they may have questions about their premiums. Wouldn't it...

Gray divorce presents Social Security challenges

March 10, 2017

While overall divorce rates in the U.S. remained stable between 1990 and 2010, gray divorce among spouses age 50 or older doubled during the same 20-year period, jeopardizing the retirement security of millions of baby boomers. Now, one in four...

Medicare enrollment ends HSA eligibility

February 9, 2017

As many clients continue to work beyond the traditional retirement age of 65, financial advisers are often confronted with questions about the interaction of employer-provided health insurance, Medicare and health savings accounts. Health savings...

2016 tax returns determine 2018 Medicare premiums

January 25, 2017

As your older clients gather their financial documents to file their 2016 federal income taxes, they should pay close attention to the bottom line on their tax return. Their adjusted gross income in 2016, plus any tax-exempt interest income,...

Medicare decisions get personal

January 13, 2017

This is my latest dispatch from the retirement front, an occasional series of articles where I chronicle my personal retirement decisions that I hope can offer some insights for advisers working with retired and soon-to-be-retired clients. This...

Social Security changes coming to beneficiaries and taxpayers in 2017

January 5, 2017

Social Security benefits for about 60 million retired and disabled workers and their dependents will increase slightly in 2017, but for many beneficiaries, the minuscule 0.3% cost-of-living adjustment will be wiped out by higher Medicare premiums....

Gradually converting a traditional IRA to a Roth can boost nest egg

November 10, 2016

The first wave of baby boomers who turned 70 ½ this year must start tapping their traditional retirement accounts soon and pay taxes on those required minimum distributions. For those first boomers who turn 70 ½ this year, who were born from...

New book offers advice on how to navigate the post-DOL rule world

October 26, 2016

New government rules require that financial advisers put their clients' interests first when recommending what to do with their retirement savings. But no one has defined what good advice actually means or how to accomplish it — until now....

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