Results for "retirement"

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Bills would allow employers to help workers pay off student debt, tax-free

February 13, 2019

Bipartisan Senate legislation would provide favorable tax treatment to encourage employers to help their workers pay off student loan debt. Under the bill, the Employer Participation in Repayment Act, companies could contribute up to $5,250...

Charles Schwab gets most 401(k) claims dismissed

February 13, 2019

A federal judge dismissed most of the claims filed against Charles Schwab Corp. in a lawsuit alleging the firm profited from its 401(k) plan at the expense of employees, but did allow one allegation to move forward. The class-action lawsuit,...

Convergence of retirement planning and employee benefits is here

February 13, 2019

Ten years ago, only a small percentage of financial advisers offered fiduciary advice services, either because their broker-dealer would not allow it or because there was more money in selling commissioned products. Now, more advisers than not...

Rules for claiming Social Security at 70

February 11, 2019

By now, most financial advisers and many consumers realize that delaying Social Security benefits until age 70 can pay off big time. For every year individuals postpone claiming benefits beyond their full retirement age, they earn an extra 8%...

Retirement savings bill re-introduced in House with bipartisan backing

February 6, 2019

Legislation that would help small businesses offer retirement plans to their employees and ease the use of annuities in them was re-introduced in the House on Wednesday with bipartisan backing. The Retirement Enhancement and Savings Act contains...

Were any required minimum distributions missed last year?

February 5, 2019

Yes, advisers all know that required minimum distributions, or RMDs, generally had to be done by the end of last year. Hopefully the ones that you know about were done. But these are some RMDs that often fall through the cracks: Year-of-death...

An update on the 4% rule

February 4, 2019

Those of us who have been in the financial advisory business for years can sometimes take established rules of thumb for granted – so much so that the nuances of such guidelines may get lost. Take the 4% rule. When I started talking more about...

Planning potholes and banana peels

February 4, 2019

I once worked with a terrific wirehouse adviser based in Southeast Florida who suffered from serial honesty. Even in the heady bull market of the 1990s, he insisted on plotting retirement income strategies according to the 4% rule. This was...

Don't wait too long to claim Social Security

February 4, 2019

If delaying Social Security benefits for a few years results in a bigger check, then delaying a little longer should result in an even bigger one, right? Wrong! This is one of the false assumptions I encountered last week during my annual trip...

Hedge fund creates the ultimate tax-free IRA for employees

February 1, 2019

Renaissance Technologies, the giant hedge fund founded by billionaire Jim Simons, seems to have created the premier, tax-free retirement account for its employees. A deft maneuver back in 2012 enabled employees to invest in RenTech's storied...

How FSI will work to protect advisers and investors at the state level in 2019

January 31, 2019

With daily headlines focused on hyperpartisan gridlock and dysfunction in Washington, D.C., legislative threats to the independent financial services industry would seem to be on the back burner for the time being. As members of the Financial...

Average 401(k) balances dropped 10% in fourth quarter, says Fidelity

January 31, 2019

The average 401(k) balance dropped 10%, to $95,600, in the fourth quarter of 2018, down from the record high balance of $106,500 in the third quarter, according to a quarterly analysis from Fidelity Investments. The year-over-year average 401(k)...

HSAs give asset managers distribution outlet for in-house funds

January 30, 2019

Health savings accounts are getting more popular, and it's no surprise asset managers and retirement plan record keepers are debuting products to jump on the bandwagon. Voya Financial Inc. launched its first HSA platform last week, following...

401(k) plans boost company match due to tax reform, labor market

January 28, 2019

Tax savings that businesses have realized as a result of tax reform and the competitive labor market are leading employers to increase the amount of money they give employees in the form of a 401(k) match, according to retirement plan advisers...

American Century wins 401(k) lawsuit over in-house funds

January 25, 2019

American Century Investments won a class-action lawsuit alleging the asset manager profited from its company 401(k) plan at the expense of employees by loading the retirement plan with in-house funds. Judge Greg Kays of the U.S. District Court...

No retirement for elderly Americans

January 23, 2019

Traditionally, Americans could look forward to a comfortable retirement. After four decades in an office or a factory, sometime in their 60s they would lay down their burdens and enjoy a final couple of decades with time to relax, spend time...

How advisers can help 401(k) clients with auto-rollovers

January 23, 2019

Retirement advisers looking to make positive changes in 2019 should resolve to help 401(k) clients arrange for mandatory distributions to rollover IRAs.​ Advisers can help plan sponsors trim their administrative costs, reduce fiduciary risks...

What type of fiduciary should retirement plan advisers be?

January 22, 2019

For many 401(k) plan advisers, the Department of Labor fiduciary rule was a nonevent. The question for advisers was not whether they would act as a fiduciary, but what kind: a 3(21) or 3(38) fiduciary? Now that the DOL rule has been vacated,...

My Medicare year

January 21, 2019

I turned 64 last December. That means I am eligible to enroll in Medicare at the end of this year. Based on the inquiries I have received from friends and InvestmentNews readers, the Medicare enrollment process is filled with angst. But with...

For those who want to play with FIRE, here's how

January 19, 2019

Savings, expenses, investing The primary driver of success for FIRE followers is an extremely high savings rate and managing expenses, advisers said. So FIRE is theoretically attainable for any client, not just super-high earners. But investments...

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