| Age 65 1/2 or older by Oct. 29, 2015 (born April 30, 1950, or earlier) |
Age 62 or older in 2015 (born 1953 or earlier, or on Jan. 1, 1954) |
Under age 62 in 2015 (born Jan. 2, 1954, or later) |
||
|---|---|---|---|---|
| Currently married | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible | |
| Restricted application | Still availabe at FRA* if otherwise eligible for spousal benefits | Not eligible | ||
| Unmarried divorced spouse (Previously married > 10 years) |
File and suspend | Not applicable | ||
| Restricted application | Still available at FRA* as long as former spouse also > age 62 |
Not eligible | ||
| Parents with dependent/disabled | File and suspend | Still available at FRA*, must file by April 29, 2016 | Not eligible, but can still start-stop-start | |
| Surviving spouse | File and suspend or restricted application | New rules not applicable. Can still independently choose timing of when to start survivor and individual retirement benefits. | ||
| Individual | File and suspend | Must be FRA* and complete file and suspend by April 29, 2016, for future reinstatement | No future lump sum reinstatement | |
Vanilla is extending its estate planning tech to Callan Family Office's ultra-high-net-worth business, while WealthFeed's organic growth engine will now be available to roughly 100 advisors at The Mather Group.
“We are helping families take an important first step toward building a financial foundation for the next generation,” said Franklin Templeton CEO Jenny Johnson
Richard Brothers Financial Advisors joins the fee-only RIA, adding its first Maine office and $240 million in client assets
Cleveland RIA grows to $68 billion in assets as Philadelphia team, deepening its high-net-worth and retirement-plan practice.
Financial planning leaders say unresolved rules on fees, Roth conversions and financial aid complicate comparisons with 529 plans.
Dan Biagini of American Equity says the steady decline of pensions, longer lifespans and a reset in interest rates are rewriting how advisors build retirement income
Direct indexing is on pace to outgrow ETFs and mutual funds. Northern Trust's Ken Lassner explains why the advisors who get it wish they had started sooner.
