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Retirement Income Management Is Different
Retirement income management requires advisers and clients to adopt a different investment strategy, because the strategies that helped…
Directors shouldn’t be allowed to delegate
The SEC shouldn't allow mutual fund directors to dump some of their responsibilities onto others.
Lessons from a French scandal
The French really are different. Consider how the United States would have dealt with Jérôme Kerviel, the 31-year-old trader at Société Générale who managed to lose more than $7 billion through unauthorized trades in stock index futures.
Proposed budget needs a major dose of realism
In this election year, the country deserves a realistic budget, and President Bush's proposed budget for fiscal 2009 isn't it — even though it predicts a deficit of $407 billion.
When ETFs pass along gains
Investors often ask me why an exchange traded fund they own paid a big gains distribution. The answer is simple, but the lessons can affect the advice you give your clients.
Defined Benefit Plans Can Boost Retirement Savings of Self-employed
The old-fashioned defined benefit plan may be vanishing from big companies, but it has found a new home…
Non-spouse rollover muddle lingers
If you're looking for a muddle, consider the status of the rule on non-spouse direct rollovers from company plans under the Pension Protection Act of 2006.
Give Bernanke a break
Wall Street pundits should lay off Fed Chairman Ben Bernanke and his Federal Reserve Board colleagues for being cautious with interest rate moves.
Industry should reach out to women
Research shows that women are more vulnerable to poverty in old age than men for several reasons, including their longer life spans, shorter and interrupted working careers, and lower earnings.
It’s time for greedy CEOs to do time
Gregory Reyes is the first chief executive to be sentenced to prison and socked with a huge fine for improperly back-dating stock options.
Retirement-Income Storm Warnings
When retired clients face a declining stock market and rising inflation, advisers need to go on high alert.
Advisers need an SRO of their own
Reluctant as we are to call for the establishment of another self-regulatory organization, we have concluded it is the best structure for the regulation of the investment advisory industry.
Plan sponsors are avoiding a safe harbor
Upon implementation of the Pension Protection Act one year ago, sponsors of 401(k) plans gained the opportunity to limit their liability for advice given to participants under eligible investment advice arrangements.
Now is the time to exercise ISOs
Incentive stock options are thought of more favorably than non-qualified stock options because ISOs can create capital gains while NQOs create ordinary income.
It’s time to take action on 12(b)-1 fees
This is the year for the SEC to settle the 12(b)-1 issue. Securities and Exchange Commission Chairman Christopher Cox has pledged to examine the fee system, questioning whether the use of 12(b)-1 fees has moved away from the original intent, which was to cover marketing and distribution expenses.
In Roth IRA Conversions Timing Is Everything
If the timing is right, there’s a compelling case for converting a traditional IRA to a Roth IRA, even though Roth conversions are a tough sell.
Change principal-trade rule with caution
The Securities and Exchange Commission must carefully monitor its temporary proposed principal-trade rule, which took effect Sept. 30.
Roth conversion opportunities
Beginning this year, a provision of the Pension Protection Act of 2006 allows participants to convert funds in 401(k)s and other company plans directly to a Roth IRA.
Economy, investors brace for a bumpy ride
The first day of trading in the new year should have served as a warning to investors that 2008 will likely be a tough year for the economy and for investors.
