Results for "Retirement Watch"

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Get set for 21st-century retirement

March 30, 2014

In a previous column ("Face the new retirement reality," Feb. 17), we discussed the 21st-century version of retirement and how it will likely include part-time work or flexible working arrangements, in addition to income from Social Security...

Private equity is coming to 401(k)s

March 2, 2014

Private-equity funds have been a staple of defined-benefit plans for decades. As an asset class, private equity historically has outperformed broad markets over long periods, and has helped plan sponsors keep pace with inflation and increase...

Duration of marriage and divorce affect Social Security benefits

February 27, 2014

Regular readers of my InvestmentNews column know that to qualify for Social Security benefits on an ex-spouse's earnings record, the marriage has to have lasted at least 10 years, both of the former spouses must be at least 62 years old and...

Face the new retirement reality

February 16, 2014

Our expectations about retirement are so late-20th-century. Even after the financial crises of the past 10 years and despite the extended lifespans that many will achieve, retirement continues to be portrayed as a period when work ceases and...

Retirement apprehension persists

January 19, 2014

Over the past several years, most financial advisers have spent a lot of time helping clients overcome their fears about the markets. They have addressed many diverse money woes in clients' lives as the economy has cycled through ups and downs....

FICA takes bigger bite out of high earners' paychecks in 2014

January 6, 2014

If you're among the estimated 10 million Americans who earn more than $100,000 per year, you'll fork over a bigger slice of your paycheck to Social Security and Medicare taxes in 2014. The maximum amount of a worker's pay subject to Social Security...

RIAs should pursue 401(k) plans

January 5, 2014

Imagine an enormous, growing market in which the rules of the game are turning in your favor. That's what independent fiduciary advisers have in the 401(k) business, and yet few are actively pursuing their share of the more than $5 trillion...

File-and-suspend strategy prompts more questions

January 3, 2014

Even for those who plan to delay collecting Social Security retirement benefits until 70, when they are worth the maximum amount, in some cases, it may make sense to file and suspend benefits at full retirement age as an insurance policy. Once...

I passed the CFP exam (but you can't call me a certified financial planner)

December 26, 2013

I received a wonderful early Christmas gift this year: I was notified Dec. 20 that I passed the CFP Board's certification exam. As the national pass rate for the November 2013 CFP exam was a mere 63%, I felt it was an enormous accomplishment...

Prepare clients for the inevitable market correction

December 8, 2013

As 2013 draws to an end, and advisers and their clients reflect on the year, many would be forgiven for thinking the holidays have come early. After all, with major indexes up more than 25%, what's not to be cheerful about? Yet before breaking...

Best laid Social Security-claiming plans gone awry

November 26, 2013

The other day, I received a frantic e-mail from a reader desperate to undo a Social Security claiming decision that was turning out all wrong. Gary, a reader from South Carolina, said he heard me talking about the “file and suspend” strategy...

Make sure clients road-test retirement

November 24, 2013

As baby boomers ap-proach retirement, they're likely to feel excited or afraid, or perhaps a bit of both. It's natural to have a range of emotions at such a significant point in life. Having the freedom from alarm clocks and meetings, and more...

How returning to work affects Social Security benefits

November 21, 2013

I received a great question from a reader today asking how his Social Security retirement benefits might be affected if he returns to work next year. Peter, who retired early and began collecting reduced benefits, will reach his full retirement...

Muni bonds pack a one-two punch

November 10, 2013

Now that the baby boomer generation is transitioning into retirement, the need for income and the desire to avoid taxes should increase the demand for tax-free municipal bonds. The recent volatility in the muni bond market has created an opportunity...

When working longer is the best option

October 27, 2013

Allen McLellan, a retired financial adviser and faculty member at The American College, tells the story of one of his former clients, who was not financially ready to retire but desperate to get out of a workplace because she was sick of her...

What I learned about Social Security in my CFP review course

October 23, 2013

Last week, I attended an intensive four-day, in-classroom review for next month's Certified Financial Planner Board of Standard Inc.'s certification exam. Going into the Dalton Review program, I was afraid I would be tripped up by complicated...

Add accredited estate planner to résumé

September 29, 2013

In the rapidly changing retirement-planning marketplace, financial advisers should strongly consider adding the accredited estate planner designation to their list of credentials. In several key ways, becoming an AEP can add value to the services...

Why college students shy away from CFP exam

September 23, 2013

Last month, my colleague Mark Schoeff filed a story about a recent survey showing that more than half of college students who had completed financial planning coursework at three universities had decided not to sit for the national exam that...

Online account only way to access benefit data

September 22, 2013

I was pleased to receive an automatic e-mail alert from the Social Security Administration last Monday urging me to review my benefits statement online. Just like in the old days of paper statements when an annual benefits estimate would arrive...

Preparing retirees for QE tapering

September 15, 2013

There's no question that the current investing environment is challenging for those -managing retirement portfolios. Stocks are hitting record highs but still producing weak dividends. Annuities are tied down to dismal rates with no relief in...

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