Results for "Retirement Watch"

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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...

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...

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...

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,...

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...

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...

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...

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."...

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