Results for "Retirement Watch"

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Help your clients make retirement sweeter

October 27, 2016

As an adult, choosing the right house can be complicated. Is it big enough? Is it the right price? What are the taxes? What mortgage rate can I get? Is it in a good neighborhood? What are the schools like? Does it need work? Will it appreciate...

How proposed caps could impact IRA and 401(k) accounts

October 14, 2016

For the past few years President Barack Obama's fiscal year budgets have included a variety of proposed changes to the retirement system in the United States. Both the 2016 and 2017 proposed fiscal budgets included a $3.4 million cap on retirement...

Evaluating target-date funds through the prism of the DOL fiduciary rule

September 25, 2016

Like all investment strategies, financial advisers are now evaluating target-date funds through the lens of the Department of Labor's new fiduciary standard. Advisers often assume they are meeting their new fiduciary obligations by simply recommending...

A blueprint to encourage more 401(k) savings

August 7, 2016

It's widely agreed that individuals must fund a greater share of their retirement. Three-quarters of workers surveyed by Natixis believe the responsibility increasingly rests on their shoulders and not on their government. Yet American workers...

5 ways financial advisers can steer clients toward a successful retirement

July 5, 2016

When my kids were young they thought I had eyes in the back of my head. “Watch for cars!” I'd warn from the garage, while filling up the mower with gas. “Stop pinching your brother!” I'd shout from the driver's seat, keeping my eyes...

Time to talk about financial wellness

June 5, 2016

Financial wellness is one of the hottest topics in the retirement industry today and at top of mind for many plan sponsors. Increased media focus on the retirement crisis, just within the past year alone, is heightening awareness that most people...

Take a closer look at Social Security

May 22, 2016

Social Security has been the bedrock of American retirement security since 1940, and it continues to be a vital element of every individual's retirement-income plan. Yet, even as Social Security is central to retirement planning, the program...

Four ways financial advisers should help retirement plan sponsor clients avoid a DOL audit

April 15, 2016

Most financial advisers who support the personal planning needs of independent business owners of small- to mid-sized companies are invariably called upon to also help with business advice needs. This frequently includes serving as the financial...

Baby boomers' wealth is in their homes

April 10, 2016

An expanded fiduciary standard for financial advisers will put pressure on a variety of areas in the retirement income-planning profession. On the horizon are clear regulatory directives that will force the industry to reduce conflicts of interest...

Litigation calls for more transparency in the retirement industry

March 22, 2016

Litigation is taking the retirement industry to task, exposing questionable administration of fiduciary duties and inequalities within fee structures. A core allegation of these lawsuits is that financial institutions are violating fiduciary...

Ways to steady retirement goals during choppy markets

March 10, 2016

The year started with a bang, and it's been a wrenching, unstable ride ever since. We continue to experience exceptional levels of market uncertainty, with large, daily swings in the major market indexes. Advisers regularly caution investors...

Broaden the message to employees

February 28, 2016

Now is a good time for advisers to encourage plan sponsors to broaden the conversation with participants from a narrow focus on retirement to a more holistic view on financial wellness. By shifting the conversation, you can help plan sponsors...

Advice for building retirement plans based on the number of years until retirement

February 14, 2016

Plan participants looking ahead to their lives in retirement can take a cue from recent retirees. It's not surprising that baby boomers are free spirits — the sentiments this generation held about life when they were in their teens and 20s...

The next big thing in retirement advice

January 31, 2016

As implementation of features like auto-enrollment and auto-escalation become common, advisers that have dedicated their practice to serving retirement plans are redefining their role. Experts I talked to are leading a movement that is gaining...

Social Security changes reveal a knowledge gap advisers can fill

January 17, 2016

Ask just about anyone what Social Security is, and they will confidently tell you that it is a government program designed to help provide financial protection against certain hardships, like disability, death and retirement, by way of monthly...

Deferring taxes not always best plan

October 25, 2015

In preparing for retirement, one accumulates as much money as possible. Most strategies focus on qualified accumulation, which defers income tax until the distribution phase when a person presumably has fewer exemptions and deductions. For high-income...

Retirement plan key to good business

October 11, 2015

In today's competitive job environment, employers need to find creative ways to boost employee engagement and retain talented employees. One way to do that is by offering a robust benefits package, especially since studies show that nearly 80%...

Thinking like a retiree is quite different than thinking like an investor

September 20, 2015

In mid-September, retirement income luminaries gathered in Indianapolis to celebrate the 10th anniversary of the Retirement Income Industry Association. RIIA's birth in Boston in 2005 represents the time that disparate thoughts began to coalesce...

Is a financial plan enough?

August 3, 2015

To live well in retirement, clients and their advisers have to embrace change —and longevity planning. As clients get older, their circumstances will continue to change, sometimes rapidly. What doesn't change is their desire to be independent,...

How advisers can get Gen Yers to take some risk

July 6, 2015

Generation Y (age 18-34) is very concerned about the future of Social Security and has a strong desire for other sources of guaranteed income, such as annuities, to provide secure monthly income in retirement. That's according to a new study...

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