Results for "Retirement Watch"

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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...

MLPs offer retirement income opportunity

September 22, 2008

Master limited partnerships offer good income opportunities for retirees. From a tax standpoint, however, the MLP structure is a bit complicated. It comprises a general partner who operates the business and limited partners who provide the capital....

The benefits of beneficiary reviews

September 8, 2008

Your clients' retirement accounts are often their single largest non-real-estate asset. Yet these assets can be at risk because about 80% of beneficiary forms on individual retirement accounts, defined benefit pension plans and insurance policies...

Addressing women's unique concerns

July 14, 2008

When it comes to retirement, women worry more than men. In its recent survey of pre-retirees, “Risks and Processes of Retirement,” the Schaumburg, Ill.-based Society of Actuaries found that 62% of women expressed concern about the value of...

To roll or not to roll

June 23, 2008

Retirement plan rollovers are reshaping the business of financial advice. In 2008 alone, rollover contributions to individual retirement accounts will total $301 billion, according to Boston-based Cerulli Associates Inc. The majority of those...

Reassessing retirement risk

June 9, 2008

Is volatility the best measure of portfolio risk? Before you answer yes, consider the findings of recent research revealing that portfolio balances in target date mutual funds generate far more volatility on the up side than on the down. We...

When too much is not enough

May 26, 2008

As baby boomers retire, advisers will be dealing with many clients who have insufficient assets to fund the lifestyle they expect. Eventually, these clients will have to opt either for a reduction in lifestyle or the probability of imminently...

Health care is part of wealth care

May 12, 2008

If health is wealth, what would be the financial consequence if one of your clients lost his or her physical and/or mental independence? That is difficult to assess, but getting a handle on future health care costs in retirement is of vital...

Using a distribution glide path

April 28, 2008

What is the best way to allocate a distribution portfolio? While optimization tools, such as a mean variance optimizer, may help a user determine the most efficient way to construct a portfolio across different asset categories, these tools...

Advances put retirees in the driver's seat

November 19, 2007

In the early days of the automobile, many people found the newfangled invention scary and intimidating. When Teddy Roosevelt took the first presidential ride in a horseless carriage in 1902, newspapers praised him for his "characteristic courage."...

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...

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...

Five ways to strengthen the 401(k)

January 6, 2013

As the nation's retirement population continues to grow, 401(k)s have become a target of critics who contend that the system has failed American workers and that it will never allow participants to accumulate enough money for a secure retirement....

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...

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