Results for "Retirement Watch"

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Seeking income in a low-rate world

March 3, 2013

Sixty is the new 40. At least that's how some investors at or near retirement would like to think of their portfolio's asset allocation model and its potential returns. As baby boomers migrate out of the traditional 60/40 allocation model —...

Bringing real assets to 401(k)s

June 10, 2012

In recent years, many defined-contribution plans have used target date funds as the default option of choice. But few of these funds reach beyond the traditional stock and bond asset allocation model, adjusted periodically for the participant's...

It's time to 'fix' the 401(k) plan

April 26, 2009

There is a crisis in defined contribution retirement plans. In addition to devastating market losses, employers are ceasing their matches. Many target date funds, designed to protect participants' plan balances as they approach retirement, have...

5 ways financial advisers can steer clients toward a successful retirement

July 5, 2016

When my kids were young they thought I had eyes in the back of my head. “Watch for cars!” I'd warn from the garage, while filling up the mower with gas. “Stop pinching your brother!” I'd shout from the driver's seat, keeping my eyes...

Retirement plan key to good business

October 11, 2015

In today's competitive job environment, employers need to find creative ways to boost employee engagement and retain talented employees. One way to do that is by offering a robust benefits package, especially since studies show that nearly 80%...

Help your clients make retirement sweeter

October 27, 2016

As an adult, choosing the right house can be complicated. Is it big enough? Is it the right price? What are the taxes? What mortgage rate can I get? Is it in a good neighborhood? What are the schools like? Does it need work? Will it appreciate...

Help clients before they become the family bank

May 29, 2015

It is a difficult situation familiar to many advisers. Their client has taken all the right steps to prepare for retirement, saved and invested responsibly, and considered longevity, inflation, market, health care and other risks. Yet just as...

Evaluating target-date funds through the prism of the DOL fiduciary rule

September 25, 2016

Like all investment strategies, financial advisers are now evaluating target-date funds through the lens of the Department of Labor's new fiduciary standard. Advisers often assume they are meeting their new fiduciary obligations by simply recommending...

Is a financial plan enough?

August 3, 2015

To live well in retirement, clients and their advisers have to embrace change —and longevity planning. As clients get older, their circumstances will continue to change, sometimes rapidly. What doesn't change is their desire to be independent,...

7 risks for retirement income planning

June 15, 2015

Retirement income planning has emerged as a distinct field in the financial services profession. And while it suffers from many growing pains as it gains recognition, increased research and brainpower in the field have benefited retirees and...

How gamification can help get clients to plan for retirement

May 15, 2015

Giving financial advice isn't fun and games. Money is serious business, and running out of it in retirement is among our clients' biggest concerns. However, as financial professionals, we sometimes take ourselves too seriously, which runs the...

Make sure clients road-test retirement

November 24, 2013

As baby boomers ap-proach retirement, they're likely to feel excited or afraid, or perhaps a bit of both. It's natural to have a range of emotions at such a significant point in life. Having the freedom from alarm clocks and meetings, and more...

The case for fixed-indexed annuities

December 9, 2012

So far this year, somewhere around $34 billion worth of fixed-indexed annuities have found their way into Americans' retirement portfolios. Though that's well below the $80 billion in variable annuities purchased, the gap is closing. And there...

How proposed caps could impact IRA and 401(k) accounts

October 14, 2016

For the past few years President Barack Obama's fiscal year budgets have included a variety of proposed changes to the retirement system in the United States. Both the 2016 and 2017 proposed fiscal budgets included a $3.4 million cap on retirement...

Thinking like a retiree is quite different than thinking like an investor

September 20, 2015

In mid-September, retirement income luminaries gathered in Indianapolis to celebrate the 10th anniversary of the Retirement Income Industry Association. RIIA's birth in Boston in 2005 represents the time that disparate thoughts began to coalesce...

Help clients navigate new landscape

March 15, 2015

Retirement used to mean the end of work, but not anymore. A recent national study by Merrill Lynch and Age Wave found that nearly half (47%) of today's retirees say they either have worked or plan to work during their retirement. And fully 72%...

Why an offense-only strategy won't succeed

March 1, 2015

People who can be classified as members of the growing mass-affluent group might be considered better informed and more sophisticated when it comes to planning their financial future. They have achieved success by working hard, and they've invested...

Time to talk about financial wellness

June 5, 2016

Financial wellness is one of the hottest topics in the retirement industry today and at top of mind for many plan sponsors. Increased media focus on the retirement crisis, just within the past year alone, is heightening awareness that most people...

Baby boomers' wealth is in their homes

April 10, 2016

An expanded fiduciary standard for financial advisers will put pressure on a variety of areas in the retirement income-planning profession. On the horizon are clear regulatory directives that will force the industry to reduce conflicts of interest...

The next big thing in retirement advice

January 31, 2016

As implementation of features like auto-enrollment and auto-escalation become common, advisers that have dedicated their practice to serving retirement plans are redefining their role. Experts I talked to are leading a movement that is gaining...

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