Results for "Retirement Watch"

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Preventing retirement suicide

July 28, 2008

If someone were about to step in front of an oncoming bus, you would stop them, wouldn't you? Similarly, when clients are about to shove their retirement nest egg under a bus (in the figurative sense, of course), you feel obliged to protect...

It's not just keeping up with inflation

April 14, 2008

For those heading toward retirement, the latest inflation numbers should be mildly reassuring. Consumer prices were flat in February. And while they rose 4.1% year-over-year overall, they were up only 2.3% if food and energy are excluded. Since...

Women will drive boomer retirement

March 31, 2008

By now you are probably tired of hearing that baby boomers are going to change retirement. The fact is, they are. Yet despite all the talk, the financial services industry still remains mostly unprepared — largely because they don't see how...

Positioning yourself as a specialist

March 17, 2008

With millions of baby boomers entering their 60s, the entire financial services industry is focused on retirement. But with every provider — from Fidelity Investments and Merrill Lynch & Co. Inc. down to solo practitioners — proclaiming retirement...

Gauging retirement readiness

March 3, 2008

Wall Street has become an industry of metrics. Investment advisers can slice and dice results in dozens of different ways to measure performance against any number of indices. Marketing gurus can pinpoint target audiences by age, goals or hobbies....

Seeking income, growth and stability

February 18, 2008

Baby boomers are the largest U.S. population segment and the wealthiest generation the world has ever seen. When this demographic tsunami begins crashing into retirement next year, investment objectives will change from growth of capital to...

Giving a name to that feeling

January 21, 2008

If you have clients of a certain age, you may have noticed they realize that something is different about the five years just before and after retirement. Issues of income adequacy and investment choice suddenly become more important than ever,...

Boosting retirement income

January 7, 2008

While the number of millionaires grows, it's sobering to note how many Americans are not especially wealthy. Consider that 75% of those turning 50 have less than $25,000 in total assets, according to a recent study from the U.S. Census Bureau....

An after-tax approach to allocation

November 5, 2007

I want to make a case for calculating asset allocations in retirement accounts on an after-tax basis. First, consider 55-year-old Peggy, who is single and believes that she will be in the 25% marginal tax rate in retirement. She has $7,500 in...

Using philanthropic-planning strategies

September 24, 2007

The about-to-retire and the already retired have at least two things in common: Both want income they can’t outlive, and both want to leave behind a legacy. By employing philanthropic-planning techniques, a forward-thinking adviser can help...

Retirement security and reality

September 10, 2007

Imagine a TV reality program that follows six American retirees through daily life as they make decisions about how best to manage their retirement savings. That sounds a little less exciting than “Dancing with the Stars,” doesn’t it? But...

It's time for advisers to become QDIA experts

September 13, 2015

Environmental changes in the retirement industry are impacting advisers in meaningful ways. No longer can they follow the status quo, especially when evaluating a qualified default investment alternative. Since the Pension Protection Act of...

Social Security to resume mailing paper statements to some workers

April 21, 2014

Paper Social Security benefit statements are making a comeback — sort of. In response to my query last week, Social Security Administration spokesman William Jarrett confirmed that the agency will resume mailing personalized estimated benefit...

Face the new retirement reality

February 16, 2014

Our expectations about retirement are so late-20th-century. Even after the financial crises of the past 10 years and despite the extended lifespans that many will achieve, retirement continues to be portrayed as a period when work ceases and...

FICA takes bigger bite out of high earners' paychecks in 2014

January 6, 2014

If you're among the estimated 10 million Americans who earn more than $100,000 per year, you'll fork over a bigger slice of your paycheck to Social Security and Medicare taxes in 2014. The maximum amount of a worker's pay subject to Social Security...

How returning to work affects Social Security benefits

November 21, 2013

I received a great question from a reader today asking how his Social Security retirement benefits might be affected if he returns to work next year. Peter, who retired early and began collecting reduced benefits, will reach his full retirement...

When working longer is the best option

October 27, 2013

Allen McLellan, a retired financial adviser and faculty member at The American College, tells the story of one of his former clients, who was not financially ready to retire but desperate to get out of a workplace because she was sick of her...

Prepare for the dreaded drawdown

July 28, 2013

Retirement drawdown is a top focus among advisers who have a preponderance of baby boomer clients, according to Cerulli Associates Inc. Here are five tips for managing your practice through this phase. Assess your client base. Chances are that...

Women willing to ask for directions

November 11, 2012

The warning bells about America's pending retirement income crisis may be ringing loudest for women — the largest and least prepared group entering retirement. As a cohort, women tend to live longer, earn less and have less direct experience...

Stable-value products alive and well

May 13, 2012

The validity of stable-value products within a retirement plan has been both espoused and denounced for the better half of the last decade. The exclusion of these products as a qualified default investment alternative in the Pension Protection...

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