Results for "Retirement Watch"

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Baby boomer clients need input on medical expenses in retirement

December 7, 2014

As a financial professional, it's unlikely you went to medical school. But even if you're not an M.D., don't be surprised if clients seek your advice on complex health care decisions as they approach retirement. According to a study on health...

Ways to steady retirement goals during choppy markets

March 10, 2016

The year started with a bang, and it's been a wrenching, unstable ride ever since. We continue to experience exceptional levels of market uncertainty, with large, daily swings in the major market indexes. Advisers regularly caution investors...

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...

Social Security earnings limit clarified

September 8, 2013

B y now, most InvestmentNews readers know that collecting Social Security benefits before full retirement age while still working can result in reduced benefits — or even wipe out benefits completely — if earnings from a job significantly...

Higher earnings limit applies at 66

August 25, 2013

My recent column on how the Social Security earnings cap is applied during the first year of retirement triggered several more questions. Normally, people who collect Social Security benefits before the full retirement age of 66 must forfeit...

Look deeper in choosing target funds

February 19, 2012

As the popularity of target date funds has grown over the past five years, so too has the publicity around the differences among the managers and the wide variations in performance and risk exposure that can result. The lack of a consistent...

Amid the economic downturn, clients are reluctant to buy long term care insurance

June 7, 2009

Making a case for long term care insurance can be a challenge under any circumstances. But in this environment, clients nearing retirement who have seen the value of their portfolios decline may be particularly reluctant to consider a major...

File-and-suspend strategy prompts more questions

January 3, 2014

Even for those who plan to delay collecting Social Security retirement benefits until 70, when they are worth the maximum amount, in some cases, it may make sense to file and suspend benefits at full retirement age as an insurance policy. Once...

Best laid Social Security-claiming plans gone awry

November 26, 2013

The other day, I received a frantic e-mail from a reader desperate to undo a Social Security claiming decision that was turning out all wrong. Gary, a reader from South Carolina, said he heard me talking about the “file and suspend” strategy...

Coaxing boomers to keep investing

May 26, 2013

The stock market has recovered from the plunge sustained during the financial crisis, but that doesn't mean the confidence of your clients has been fully restored. Some fear lingers when it comes to investing, and chances are, you've seen this...

Options abound for income-seekers

February 17, 2013

Retired people and those approaching retirement are particularly challenged in finding investments to help meet their income needs. With interest rates at historic lows, investors can't rely solely on bonds but must seek out opportunities in...

What's behind money in motion

March 18, 2012

“Money in motion” is a common term in financial services. There are trillions up for grabs and everyone is fighting to get his or her share. Many people think that the retiring baby boomers are the main story behind money movement. But the...

How to compare target date funds

February 20, 2011

As part of the Pension Protection Act of 2006, the Labor Department granted plan sponsors a “safe harbor” to enroll participants automatically in a handful of investment products designated as qualified default investment alternatives. This...

Use target date funds the right way

July 26, 2009

Given last year's investment results, especially in 2010 target date funds, there are many who question whether the target date fund concept itself is fatally flawed. The answer depends on how one defines success. In the popular press, success...

Looking inside target date funds

May 24, 2009

Financial advisers who handle retirement plans have noted that plan sponsors are now very much aware of the performance of target date funds. But sponsors don't really understand the reason for the performance, according to 76% of advisers polled...

Gazing at the new-product horizon

February 4, 2008

The forces that drove the retirement marketplace in 2007 — the automatic enrollment and default option provisions of the Pension Protection Act of 2006, the aging baby boomers and a focus on the rollover market — will continue to shape product...

Litigation calls for more transparency in the retirement industry

March 22, 2016

Litigation is taking the retirement industry to task, exposing questionable administration of fiduciary duties and inequalities within fee structures. A core allegation of these lawsuits is that financial institutions are violating fiduciary...

Four ways financial advisers should help retirement plan sponsor clients avoid a DOL audit

April 15, 2016

Most financial advisers who support the personal planning needs of independent business owners of small- to mid-sized companies are invariably called upon to also help with business advice needs. This frequently includes serving as the financial...

Preparing retirees for QE tapering

September 15, 2013

There's no question that the current investing environment is challenging for those -managing retirement portfolios. Stocks are hitting record highs but still producing weak dividends. Annuities are tied down to dismal rates with no relief in...

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