Results for "Retirement Watch"

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When 401(k) plans aren't the best option

February 6, 2011

Section 401(k) of the Internal Revenue Code went into effect in 1980 and subsequently launched what has become the largest private-sector retirement plan in the United States. The accounts are attractive because they offer efficient payroll-withholding...

Take steps to bolster retirement planning

November 21, 2010

Employees used to be able to decide when they wanted to retire. The sobering reality is that it's often not the employee's choice anymore but rather a question of how long they are going to remain employable. According to a 2009 LIMRA study,...

Not everyone's consolidating assets

October 24, 2010

A common belief in the financial services industry is that individuals consolidate a large chunk of their assets among fewer providers as they near retirement. Recent research has found this belief to be mostly myth. It's important for advisers...

Target date funds aren't a panacea

May 2, 2010

Target date funds are popular among many employers and fund managers. They are marketed as age-appropriate diversified portfolios and promoted as sophisticated, easy-to-use funds. However, target date funds are no panacea. They are controversial...

Northstar's Charles Farrell: Bucket strategy has some holes in it

March 16, 2010

When it comes to retirement income management, an approach that is gaining popularity these days is what's called the “bucket” strategy. Essentially, advisors establish different buckets to use for distribution purposes depending on market...

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...

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...

Income emerges as a top priority

July 11, 2010

The disturbing prospect of clients' outliving their retirement income continues to loom large on the advisory landscape. It's an issue where every adviser is well-positioned to lend a hand. The primacy of the retirement income issue — and...

A tale of new retirement products

January 17, 2010

For a look at the retirement products advisers can expect in 2010, the insights of some literary greats — Charles Dickens, Voltaire, Lord Byron and Jane Austen — may be more illuminating than you would imagine. Any prediction about retirement...

Do you 'get' female investors?

June 21, 2009

For all the talk of advisers recognizing the importance of female investors, it still seems there's a way to go. Consider that an estimated 70% of married women fire their financial professional within a year of being widowed, according to research...

Rethinking strategy for the long run

January 18, 2009

Managing retirement portfolios often requires balancing capital appreciation and capital preservation objectives. The traditional method of meeting those dual objectives involves careful diversification across asset classes in order to balance...

The right role for international stocks

August 11, 2008

Over the past six years, international stocks — those of companies from both developed countries and emerging markets — have outperformed U.S. stocks by a wide margin. Many investors, including those saving for retirement and those in retirement,...

What I learned about Social Security in my CFP review course

October 23, 2013

Last week, I attended an intensive four-day, in-classroom review for next month's Certified Financial Planner Board of Standard Inc.'s certification exam. Going into the Dalton Review program, I was afraid I would be tripped up by complicated...

Online account only way to access benefit data

September 22, 2013

I was pleased to receive an automatic e-mail alert from the Social Security Administration last Monday urging me to review my benefits statement online. Just like in the old days of paper statements when an annual benefits estimate would arrive...

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