Results for "Retirement Watch"

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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...

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...

Giving linked to happiness in seniors

December 20, 2015

Sir Winston Churchill once said, “We make a living by what we get. We make a life by what we give.” During their working years, many of your clients may define their success primarily by their career advancement or the size of their bank...

IRA rollovers under more scrutiny

November 9, 2014

Years of low-growth markets, combined with numerous geopolitical events, have kept advisers busy enough to be excused for missing a number of important developments that affect individual retirement accounts. In recent years, federal regulatory...

A lot of choices can be a bad thing

September 21, 2014

Like in the grocery store aisle, Americans are confronted with a dizzying array of choices when it comes to mutual funds. On the surface, it would appear consumers benefit from being able to choose from dozens of salad dressings — or thousands...

Rethinking traditional risk questionnaires

May 25, 2014

It's one of the first things you ask a new client and forms the bedrock of the retirement planning you will do together. “Are you a conservative, moderate or aggressive investor?” The client answers a quick five- or 10-question survey and...

Get clients to take ownership of retirement

April 27, 2014

We have reached a critical juncture regarding retirement in this country. Recent research shows that the United States trails most developed nations in retirement security, as severe fiscal pressures and strained government resources are placing...

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...

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...

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...

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...

Health care will take center stage

August 18, 2013

The implementation of the Affordable Care Act provides a perfect opportunity to discuss with clients how they will pay for health care during retirement. The cost of health care is justifiably one of the biggest retirement-planning concerns...

Designing 401(k)s that really work

July 14, 2013

When “Frontline” aired “The Retirement Gamble,” its controversial feature on retirement investing, it caused a firestorm of reaction from financial advisers, plan sponsors, plan providers and investors. Although it provided a good start...

On Retirement: Fewer, better retirement income designations needed

May 5, 2013

I applaud the Consumer Financial Protection Bureau's recent report warning that the proliferation of sometimes-questionable senior certifications and designations can put older adults at serious risk. But I hope that it won't dampen the enthusiasm...

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....

Prepare for a fight on tax policy

December 2, 2012

How much will clients pay in taxes next year? What will they owe five years from now? Financial advisers who are unsure aren't alone. With a fight on tax policy brewing inside the Beltway, uncertainty abounds. But whatever happens, the battle...

Avoid beneficiary designation errors

October 28, 2012

If you ever have spent time helping clients or their heirs work through an estate plan that was botched due to im-proper beneficiary designations on individual retirement accounts and qualified plans, you know how costly these mistakes can be....

Threats to a fulfilling retirement

September 30, 2012

As workers retire, many will seek to convert savings into income streams to meet their desired standard of living. An evolution toward a fixed-income-heavy asset allocation is thus a common practice in retirement planning. However, the risks...

Help make sense of fee disclosure

September 16, 2012

Fee disclosure is the new reality for qualified retirement plans that fall under the Employee Retirement Income Security Act of 1974. The requirements are an opportunity for financial advisers to increase business, as employers will be looking...

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