Results for "Retirement Watch"

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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...

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."...

Get set for 21st-century retirement

March 30, 2014

In a previous column ("Face the new retirement reality," Feb. 17), we discussed the 21st-century version of retirement and how it will likely include part-time work or flexible working arrangements, in addition to income from Social Security...

Duration of marriage and divorce affect Social Security benefits

February 27, 2014

Regular readers of my InvestmentNews column know that to qualify for Social Security benefits on an ex-spouse's earnings record, the marriage has to have lasted at least 10 years, both of the former spouses must be at least 62 years old and...

Mary Beth Franklin: Change the conversation about retirement planning

June 23, 2013

Every financial adviser knows that one of the best ways to minimize investment risk is to diversify among asset classes. And there is general agreement that the key to successful retirement planning is to start early and save as much as you...

Flexibility key to retirement planning

May 12, 2013

Ever since William Bengen's article about retirement withdrawal rates was published in 1994, his 4% “safe” rate has been analyzed from different perspectives with dissimilar conclusions. Depending on the assumptions, a safe withdrawal rate...

How to figure out a retirement budget

March 17, 2013

The ultimate retirement- planning question is simply stated but not necessarily easy to answer: How much in savings is needed to secure a comfortable retirement? In a recent survey from Ameri-prise Financial Inc., working Americans 50 to 70...

Health care cost estimates are crucial to retirement income planning

November 4, 2012

Discussing health care costs during retirement with clients is new territory for many financial advisers, but few have the knowledge and resources to do it well. However, four in five advisers said they know that if they have these discussions,...

Preparing for retirement plan audits

May 27, 2012

For some, “audit” can be the most feared word in the English language. And this year, the Labor Department is doing its utmost to spread the word. The buzz is that the department is stepping up its efforts to audit 401(k) plans and other employer-sponsored...

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...

Retirees reluctant to tap 401(k) funds

March 27, 2011

The investment industry considers employer-sponsored 401(k) and 403(b) plans to be the bedrocks of senior retirement income. But recent research shows that retirees and pre-retirees view employer-sponsored plans as money to be used only as a...

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