Results for "Retirement Watch"

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Employers can assure retirement for $2.64 an hour

April 10, 2019

Hedge fund titan Ray Dalio published a sobering essay last Friday about the state of capitalism in the U.S. He observed, correctly in my view, that "the ability to make money, save it, and put it into capital (i.e., capitalism) is an effective...

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...

Surviving a rising rate environment

May 10, 2015

Although the Federal Reserve has sent some mixed signals to the credit markets recently, most don't question if interest rates will rise, but when. And when the rate hike does come, advisers with clients in or near retirement will need to carefully...

Long-term-care options have evolved

July 13, 2014

Much has changed in the past two decades when it comes to long-term-care op-tions and how to fund them. Baby boomers and subsequent generations will need to plan for long-term care in a different way than their parents in light of factors such...

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...

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...

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...

Why singles should not claim Social Security at 66

December 19, 2012

It's becoming common knowledge that married couples who coordinate their Social Security claiming strategies to take full advantage of retirement, spousal and survivor benefits can significantly increase their income over their joint lifetimes....

Do plan advisers understand their risks?

October 7, 2012

New federal regulations mandating fee and compensation disclosure are the latest reminder to plan advisers and fiduciaries of the perils of providing services to ERISA-regulated benefit plans. Many investment advisers are unaware of how recent...

Sequence risk a threat to retirees

September 9, 2012

Two severe bear markets during the past decade have put a spotlight on something that was easily overlooked during the bull market runs of the 1980s and 1990s: sequence risk. It is among a growing number of concerns for advisers to address as...

Social Security payroll tax's future

August 19, 2012

In February, Congress reached an 11th-hour agreement to extend the 2% Social Security payroll tax reduction through the end of the year. Like most matters related to taxes and Social Security, the decision generated significant debate, given...

RIAs and insurers are coming together

June 24, 2012

The demographic wave of 76 million boomers entering retirement over the next two decades is crashing into a set of circumstances that threatens retirement security for millions of people. Pensions and Social Security are under threat. Historic...

401(k) disclosure doesn't go far enough

April 1, 2012

This year, 72 million Americans will open their quarterly 401(k) statements and for the first time get a glimpse of the cost of their plans as spelled out in new fee disclosures. Likewise, 483,000 plan sponsors will receive similar fee disclosures...

Have no fear of DOL fee disclosure regs

October 16, 2011

The late TV journalist David Brinkley once mused that a successful person is someone who can build a foundation from the bricks that others have thrown at him or her. He could have been reporting on today's retirement plan marketplace. Financial...

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...

Selling small businesses on retirement plans

August 21, 2011

As overall longevity increases, outliving retirement resources is more likely than in the past, making retirement planning more important than ever. And yet it probably comes as no surprise that retirement planning is woefully neglected, even...

Digging deep for income streams

August 7, 2011

Recent studies have shown that about 78% of the financial assets in the United States are held by retirees and baby boomers over 50. A large portion of this group isn't covered by a traditional pension plan. They will need to rely on personal...

Build a successful retirement practice

June 26, 2011

In today's highly competitive, complex and continually evolving financial services marketplace, retirement-plan-focused financial advisers often find themselves in a balancing act of serving clients, finding new prospects and managing a profitable...

Stay-at-home spouses need retirement plans

May 15, 2011

The image of the stay-at-home spouse has come a long way since the days of June Cleaver and other 1950s television moms. One obvious difference is that today's at-home spouse is less likely to be female. More significant, though, is the increasing...

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