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State auto-IRA programs poised to catch advisers' attention

March 13, 2018

The first state auto-IRA plan is up and running. OregonSaves, which launched last year, has more than 19,000 individuals and 300 companies participating. What does this mean for financial advisers? Oregon's foray into the retirement arena is...

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...

Retirement risks keep rising

January 23, 2018

Half of working-age households in the U.S. were on track in 2016 to be able to maintain their standard of living in retirement, according to the National Retirement Risk Index report out this month from the Center for Retirement Research at...

Financial advisers should avoid error by omission and consider reverse mortgages

January 22, 2018

Over the past few years, I have been very outspoken about the need for financial advisers to incorporate reverse mortgages into their practices, especially those acting under a fiduciary duty of care or doing retirement income planning. As a...

401(k) advisers vs. institutional consultants: On a collision course?

January 31, 2018

At a recent industry conference that primarily attracted consultants and providers for the largest retirement plans, a Willis Towers Watson representative asked me in the elevator where I was from. I answered, "The dark side." He laughed, but...

New tax law offers opportunities for advisers and retirees

February 7, 2018

The most sweeping tax reform in a generation may have begun under the guise of simplification, but the application of the new tax rules will be anything but simple for financial advisers and their retired clients. The Tax Cuts and Jobs Act that...

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...

Coordinate couples' income needs ahead of time

October 26, 2017

The differences between men and women have been humorous fodder for late night talk shows, movies and books for a long time. But planning for retirement as a couple is serious business. We know the stats: women live longer than men, typically...

Retirement Planning is Possible While Caring for a Child with Autism

October 16, 2017

Without question, parenting a child with autism comes with a unique set of circumstances that can only be understood by others who have experienced the same highs and lows. There is a steep learning curve – one that I can't say I've fully...

Seniors scramble to beat reverse mortgage deadline

September 26, 2017

I received a frantic phone call from a reverse mortgage lender in California last week. He said he was worried about the large number of senior homeowners who were scrambling to qualify for a reverse mortgage before new, more restrictive lender...

Retirement-income theories confront reality

September 12, 2017

I spent part of my post-Labor Day week at the beach catching up on my professional reading. I knocked off eight issues of the Journal of Financial Planning and scored eight hours of continuing education credits by taking the online quizzes available...

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...

Are we calculating investor underperformance in the right way?

June 5, 2017

If I had invested $10,000 into large-capitalization U.S. stocks in January 1926, I would have a portfolio worth $60,351,158 at the end of 2016. Very impressive. This represents an annualized return of 10.04%. Of course, an unfortunate reality...

Retirement plan sponsors' top criteria for choosing an adviser

November 22, 2017

Each year, millions of dollars are spent by advisers and record-keepers in their pursuit of new defined-contribution plan sponsor accounts. Churn in the DC industry is notoriously low. This is the result of relatively high overall satisfaction...

Empower Retirement finds reason to give clients projected vision of future

January 25, 2018

Defined contribution plan participants who have received a detailed view of their retirement future do a better job of preparing for it, according to new research by Empower Retirement. The record keeper found that income replacement scores...

Many current retirees reluctant to tap savings

November 28, 2016

Despite all the warnings about the coming retirement crisis in America, current retirees seemed to be doing quite well in terms of financial assets and expenses. But the secret to their success — heavy reliance on traditional pensions —...

401(k) plan sponsors are taking RFPs more seriously — advisers should, too

November 22, 2017

For retirement plan sponsors, conducting requests for proposal is a necessary fiduciary practice. The process allows sponsors to solicit bids for various plan services, including those provided by plan advisers. Sponsors are taking the RFP process...

Market downturns in first few years of retirement can thwart best-laid plans

April 25, 2017

Portfolio returns in the early years of retirement could have a large bearing on the success or failure of a retirement income strategy; a few years of early market appreciation means a high likelihood for a healthy retirement, while a flat...

Retirees embrace the gig economy

April 21, 2017

It turns out that the three-legged stool of retirement income may not be not be dead after all. But for a growing number of retirees, the components of retirement income are shifting. Several new surveys suggest that retirees are becoming more...

Market volatility raises the bar for retirement income savers

July 12, 2016

In the wake of the United Kingdom's decision to exit the European Union, global market volatility has not only sent investment portfolios on a roller coaster ride, it has also raised the prospective cost of income for near-retirees. Pre-retirees...

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