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...

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...

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...

Planning for the post-4% generation

July 26, 2015

The 4% rule was created by a financial planner named Bill Bengen more than 20 years ago. His goal was to come up with a sustainable rate of spending that a retiree could safely withdraw from their portfolio on an annual basis. His research found...

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...

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...

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...

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...

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