Results for "Retirement Watch"

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Mary Beth Franklin: Change the conversation about retirement planning

June 23, 2013

Every financial adviser knows that one of the best ways to minimize investment risk is to diversify among asset classes. And there is general agreement that the key to successful retirement planning is to start early and save as much as you...

Coaxing boomers to keep investing

May 26, 2013

The stock market has recovered from the plunge sustained during the financial crisis, but that doesn't mean the confidence of your clients has been fully restored. Some fear lingers when it comes to investing, and chances are, you've seen this...

Flexibility key to retirement planning

May 12, 2013

Ever since William Bengen's article about retirement withdrawal rates was published in 1994, his 4% “safe” rate has been analyzed from different perspectives with dissimilar conclusions. Depending on the assumptions, a safe withdrawal rate...

On Retirement: Fewer, better retirement income designations needed

May 5, 2013

I applaud the Consumer Financial Protection Bureau's recent report warning that the proliferation of sometimes-questionable senior certifications and designations can put older adults at serious risk. But I hope that it won't dampen the enthusiasm...

How to figure out a retirement budget

March 17, 2013

The ultimate retirement- planning question is simply stated but not necessarily easy to answer: How much in savings is needed to secure a comfortable retirement? In a recent survey from Ameri-prise Financial Inc., working Americans 50 to 70...

Seeking income in a low-rate world

March 3, 2013

Sixty is the new 40. At least that's how some investors at or near retirement would like to think of their portfolio's asset allocation model and its potential returns. As baby boomers migrate out of the traditional 60/40 allocation model —...

Options abound for income-seekers

February 17, 2013

Retired people and those approaching retirement are particularly challenged in finding investments to help meet their income needs. With interest rates at historic lows, investors can't rely solely on bonds but must seek out opportunities in...

Congress gives Roth 401(k)s new life

January 20, 2013

As the curtain came down on 2012, most investors assumed that with it went the best opportunity for Roth conversions. The general expectation was that higher tax rates this year would make Roth conversions less attractive for a broad swath of...

Five ways to strengthen the 401(k)

January 6, 2013

As the nation's retirement population continues to grow, 401(k)s have become a target of critics who contend that the system has failed American workers and that it will never allow participants to accumulate enough money for a secure retirement....

The case for fixed-indexed annuities

December 9, 2012

So far this year, somewhere around $34 billion worth of fixed-indexed annuities have found their way into Americans' retirement portfolios. Though that's well below the $80 billion in variable annuities purchased, the gap is closing. And there...

Prepare for a fight on tax policy

December 2, 2012

How much will clients pay in taxes next year? What will they owe five years from now? Financial advisers who are unsure aren't alone. With a fight on tax policy brewing inside the Beltway, uncertainty abounds. But whatever happens, the battle...

Women willing to ask for directions

November 11, 2012

The warning bells about America's pending retirement income crisis may be ringing loudest for women — the largest and least prepared group entering retirement. As a cohort, women tend to live longer, earn less and have less direct experience...

Health care cost estimates are crucial to retirement income planning

November 4, 2012

Discussing health care costs during retirement with clients is new territory for many financial advisers, but few have the knowledge and resources to do it well. However, four in five advisers said they know that if they have these discussions,...

Avoid beneficiary designation errors

October 28, 2012

If you ever have spent time helping clients or their heirs work through an estate plan that was botched due to im-proper beneficiary designations on individual retirement accounts and qualified plans, you know how costly these mistakes can be....

Do plan advisers understand their risks?

October 7, 2012

New federal regulations mandating fee and compensation disclosure are the latest reminder to plan advisers and fiduciaries of the perils of providing services to ERISA-regulated benefit plans. Many investment advisers are unaware of how recent...

Threats to a fulfilling retirement

September 30, 2012

As workers retire, many will seek to convert savings into income streams to meet their desired standard of living. An evolution toward a fixed-income-heavy asset allocation is thus a common practice in retirement planning. However, the risks...

Help make sense of fee disclosure

September 16, 2012

Fee disclosure is the new reality for qualified retirement plans that fall under the Employee Retirement Income Security Act of 1974. The requirements are an opportunity for financial advisers to increase business, as employers will be looking...

Sequence risk a threat to retirees

September 9, 2012

Two severe bear markets during the past decade have put a spotlight on something that was easily overlooked during the bull market runs of the 1980s and 1990s: sequence risk. It is among a growing number of concerns for advisers to address as...

Social Security payroll tax's future

August 19, 2012

In February, Congress reached an 11th-hour agreement to extend the 2% Social Security payroll tax reduction through the end of the year. Like most matters related to taxes and Social Security, the decision generated significant debate, given...

Health care planning a key element

July 29, 2012

Few issues in American life generate higher anxiety than rising health care costs. This year's presidential election, for example, is sure to have health care as a central, contentious issue. And anyone who looks at the data knows that Medicare...

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