Results for "On Retirement"

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Couples should coordinate Social Security, Medicare decisions

December 12, 2018

Young couples who marry, and even older couples tying the knot for the second time, may be prepared to utter the traditional wedding vow of 'til death do us part. But how many of them realize that their entwined lives will dictate key retirement...

Tax-smart year-end charitable giving

November 21, 2018

When our extended family gathers around my sister's Thanksgiving table each year, we each express our gratitude for the people, events and experiences that shaped our lives over the past year. Inevitably, our thoughts and sympathies turn to...

Invalid Keogh is a tax trap

January 9, 2009

The Internal Revenue Service believes tens of thousands of small-business owners and sole proprietors may have invalid Keogh plans, and that a failure to fix the problem could prove to be very costly to them and to advisers. “Under no circumstances...

A 1035 annuity exchange may look good, but only on paper

August 22, 2008

When advisers consider whether a client should exchange his annuity for a new model, one of the easiest mistakes they can make is to underestimate the real value of the current contract. “An adviser who doesn’t understand the client’s current...

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...

Early Withdrawal of Retirement Assets under Section 72(t)

November 16, 2007

The section 72(t) tax provision is like a socket wrench: You don’t need one often, but when you do, it’s the only tool that works. In this case, the job is helping a client tap a retirement account before age 59 ½. A client who takes 72(t)...

IRA beneficiaries beware wrong turns

October 19, 2007

It’s easier to put money into an IRA than take it out. Financial advisers have helped clients accumulate a whopping $3.67 trillion in individual retirement accounts. But when it comes to IRA distributions — especially from inherited IRAs —...

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 Amazon.com to fulfill your loved ones' holiday wish list. I'm referring to something that can save older Americans significant...

Health care exchanges aren't meant for retirees

October 20, 2013

The new health insurance exchanges have dominated headlines in recent weeks, with tales ranging from computer glitches that have prevented millions of uninsured Americans from signing up for coverage to a federal government shutdown triggered...

Last-minute tips for Medicare annual enrollment

November 19, 2013

People who want to switch their Medicare coverage for 2014 have just a few weeks left in the annual open-enrollment period, which ends Dec. 7. The choices can be overwhelming, but there are practical steps your clients can take now to make sure...

Alzheimer's epidemic puts advisers — and their practices — at risk

February 24, 2013

The number of Americans with Alzheimer's disease is expected to nearly triple by 2050. This impending epidemic will put even more pressure on advisers as they try to help clients prepare for the possibility of a costly health crisis. According...

Advisers can help with Medicare

September 23, 2012

Over the next few weeks, many of your retired clients will be bombarded with advertisements from health insurance companies touting their Medigap and Medicare Advantage plans. Some of your clients may look to you for guidance, as health care...

To annuitize or not: The debate continues

September 10, 2009

In my last column, I provided an analysis of the income guarantees from a life-only, immediate annuity versus the likelihood of running out of money if you kept your retirement savings invested in the markets. I received a lot of comments on...

Master limited partnerships: The income is worth the effort

July 11, 2008

Master limited partnerships offer good income opportunities for retirees. From a tax standpoint, however, the MLP structure is a bit complicated. It comprises a general partner who operates the business and limited partners who provide the capital....

Health becoming new focus of wealth

May 13, 2012

G uess which financial issue is uppermost in your preretiree clients' minds, yet one that they seldom will discuss with you? The answer — and a huge problem for society as a whole, as well as your clients, in particular — is health care....

New benchmarks for retirement income management

January 26, 2010

With retirement income management becoming the primary objective of many investors, it's time for new investment benchmarks which reflect that. For decades, investors have been using the S&P 500 or the Dow Jones Industrial Average as defaults...

Memo to SEC, DOL: Regulate target date funds — now

April 6, 2009

With some $2.4 trillion sucked out of retirement accounts since early last year, lawmakers have predictably made the 401(k) system a flaming target for change, and, also predictably, their ideas are way off base — except for one Sen. Herb Kohl,...

‘Reset’ Social Security and collect more

March 6, 2009

Consider recommending a little-known option: pushing the reset button on Social Security. This monthly benefit can be increased by up to 75% if the retiree repays past benefits and reapplies for Social Security. It’s the equivalent of buying...

IRA beneficiary designation can be a trap

October 23, 2008

Few people understand the importance of their IRA beneficiary designation forms, because if they did, they’d read the fine print and that might give them pause. Reviewing these forms should be standard practice for advisers, said Seymour Goldberg,...

Proper structuring of beneficiary designations on TOD accounts avoids unintended consequences

June 27, 2008

Smart advisers don’t rely on a client’s memory about beneficiary designations; they ask to see paperwork, and not just on retirement accounts. People name beneficiaries on their non-retirement securities and bank accounts, called transfer...

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