Results for "Retirement Watch"

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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...

Health care planning a key element

July 29, 2012

Few issues in American life generate higher anxiety than rising health care costs. This year's presidential election, for example, is sure to have health care as a central, contentious issue. And anyone who looks at the data knows that Medicare...

Family duties can threaten retirement

April 29, 2012

Your baby boomer clients are retiring during a period of prolonged market volatility, high unemployment, rapidly rising health care costs and plummeting home values. You know how this has affected their retirement plans, but have you considered...

Picking the right cash flow strategy

March 4, 2012

It isn't an easy time for retirees and those nearing retirement to settle on a cash flow strategy. Consider the head winds that they face: • Stock market returns have been disappointing, and fixed-income yields are historically low. Ten-year...

Over-allocate to bonds for a head start

April 3, 2011

Albert Einstein said, “The true measure of intelligence is not knowledge but imagination.” Psychologists have shown that for most people, knowledge of old solutions tends to crowd out imagination, preventing them from seeing new, more efficient...

Fed interest rate policy hurts retirees

March 6, 2011

Two years after the near-meltdown of the global credit system — and even while our economic recovery gains momentum — the Federal Reserve still feels compelled to keep its interest rates at virtually zero. However strong the arguments for...

Retirees suffer from crisis in confidence

October 10, 2010

The recession has had a substantial effect on investors in many ways. As people watched their nest eggs lose value or stagnate, the retirement plans of thousands were thrown into limbo. But beyond the financial toll has been the emotional impact...

What new regulation bodes for retirement

November 22, 2009

Like the winds of war that swept through the antebellum South in the opening scenes of “Gone with the Wind,” the investment and retirement world we know is changing and about to end badly. New regulation will reshape the landscape in ways...

A British solution to the pension problem

November 8, 2009

Over the past half century, employer-sponsored defined-benefit pensions have been a crucial source of retirement income and security. However, the popularity of corporate D-B pensions has dwindled, and competitive pressures may drive such plans...

Aligning withdrawals with retirement goals

October 11, 2009

Traditional retirement income planning assumes that retirees need a steady, inflation-adjusted income stream to cover all their expenses. But since not all retirement living expenses are the same, advisers should consider expanding their repertoire...

When investors behave irrationally

September 27, 2009

The worst financial downturn in nearly a century has caused even the most rational investors to do funny things with their money, many of which may be very damaging to their retirement portfolios. If our new environment has taught us anything,...

Making a case for real real returns

September 13, 2009

Which investments offer retirement oriented, long-term investors the best returns? Before answering that question, let's first define “returns.” For long-term investors, what really matters is the rate of real real return, which is the nominal...

Making a case for real real returns

August 28, 2009

Which investments offer retirement-oriented, long-term investors the best returns? Before answering that question, let's first define “returns.” For long-term investors, what really matters is the rate of real real return, which is the nominal...

Selling to small-business owners

August 16, 2009

Umpteen years in the investment community have taught us that there is a right way and a wrong way to sell a retirement plan to a small-business owner. Take the wrong path and you will waste everyone's time or succeed in selling the owner a...

Adding guarantees to the mix

March 15, 2009

Jokes about 401(k)s' becoming 201(k)s are no longer funny. Baby boomers looking to retire in the next few years now wonder if retirement is even possible. Those already in retirement worry about being able to continue drawing income from shrunken...

Rethinking inflation during retirement

March 1, 2009

Financial advisers must consider many types of risk when creating and executing successful retirement income plans, but perhaps none is more insidious than inflation. While a whiff of deflation is in the air, it still seems that certain goods...

Get with the (retirement) plan

February 15, 2009

While investors of all ages have experienced the pain of recent market declines, baby boomers are less confident about their future than those who are already retired. That was one finding of an online survey of 600 investors, ages 44 and older,...

A question of withdrawal timing

November 2, 2008

Investors and portfolio managers alike have been shellshocked by the stock market's decline and its extreme volatility. Investment models that once seemed bulletproof have been exposed as inadequate, none more surprisingly than the recently...

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