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...

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...

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...

Women and retirement planning: Walk a mile in her shoes

October 4, 2015

Women think about retirement planning differently than men. Marcia Mantell gets it. Women are completely comfortable talking about many “M-word” topics ranging from marriage and motherhood to mammograms and menopause, Ms. Mantell writes...

How the aging population is changing the marketplace

July 27, 2014

Madison Avenue has always focused on the young, anchored in the shopworn belief that consumers ages 50 and older are frugal and stuck in their ways. But it's time for advertisers, marketers and corporations with products and services to sell...

Preparing for the next Bronze Age

October 6, 2013

Do you hear the drumbeats warning of an impending retirement crisis growing louder? I do. You can tell that a situation has reached a tipping point when traditional opponents agree that something must be done. A few months ago, two powerhouses...

A call to arms for all Mad Men

April 21, 2013

Bashing the retirement services industry has become a national pastime. The story goes like this: The majority of American workers are ill-prepared for retirement because they were deprived of the comfy pensions that were their God-given right....

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...

Software evolving beyond Social Security maximization

October 18, 2015

I am always amazed by the brilliance of computer software designers. They can take the most complicated financial planning decisions and reduce them to a one-click — or one-swipe — tool. Social Security claiming decisions have benefitted...

Social Security delay? The numbers don't lie

June 8, 2014

Financial advisers often ask me how they can persuade their clients to delay collecting Social Security benefits. Although there is no one-size-fits-all answer, the right claiming strategy usually depends on a client's health, wealth and work...

Financial wellness trend gives advisers an opening

May 25, 2014

Workers have long looked to their employers to provide health insurance and retirement benefits. But as the costs and responsibility of choosing and paying for those benefits have shifted to employees, financial advisers play an important role...

Consider new uses of reverse mortgages for clients

February 16, 2014

For more than 20 years, reverse mortgages have been seen as a financial lifeline of last resort for seniors who are house-rich but cash-poor. Now, bolstered by the research of some leading financial advisers and new rules from the Department...

Beyond the automatic 401(K)

November 3, 2013

There is no denying that recent 401(k) plan innovations of automatic enrollment, auto-escalation features and qualified default investment alternatives have gone a long way to improve retirement plan participation and savings rates. Using “nudge...

Mary Beth Franklin's CFP challenge: Exam tips from the pros

November 11, 2013

When I was in New York a few weeks ago to attend an InvestmentNews staff meeting, one of my colleagues referred to me as “the Dear Abby of Social Security.” I was flattered. Like that legendary advice columnist, I have developed a rapport...

Changes to Part D prescription drug plans in 2014 that every adviser should know

November 7, 2013

Want to give your retired clients a reason to count you among their blessings this Thanksgiving? Offer them a few tips on how they could save money on their prescription drugs next year by shopping for a new Medicare Part D plan now. Although...

CFP exam is a test of mettle, too

September 29, 2013

Last month, my colleague Mark Schoeff Jr. filed a story about a recent survey showing that more than half of college students who had completed financial planning coursework at three universities had decided not to sit for the national exam...

Time to replace the three-legged-stool myth

May 26, 2013

It is time to retire the three-legged stool — the well-worn analogy for retirement security. Face it: With disappearing pensions and inadequate personal savings, the remaining — wobbly — leg of Social Security makes retirement income look...

Social Security to resume mailing paper statements to some workers

April 21, 2014

Paper Social Security benefit statements are making a comeback — sort of. In response to my query last week, Social Security Administration spokesman William Jarrett confirmed that the agency will resume mailing personalized estimated benefit...

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...

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