Results for "retirement"

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Should RPAs add general wealth management?

September 16, 2019

Given the growing competitiveness and margin pressure facing the advisory business, it's no wonder that many retirement plan advisers and “retail” wealth managers are eyeing each other's turf. Having broader and more balanced sources of...

Making a DC plan's nest egg last a lifetime

September 16, 2019

For defined-benefit plan participants, pieces of the retirement income puzzle fit into place relatively easily. Once a regular paycheck ends, components of retiree income for DB plan participants include Social Security, income from assets a...

Medicare IRMAA surcharges to be adjusted for inflation in 2020

September 16, 2019

For the first time in a decade, the income brackets used to determine Medicare premium surcharges for high-income retirees will be indexed to inflation starting Jan. 1. As a result, some retirees may experience a reduction in their Medicare...

A Social Security workaround for some divorced spouses

September 9, 2019

I stumbled upon another nuanced exception to the myriad Social Security rules that affect divorced clients thanks to the astute question of an InvestmentNews reader. Think of this as the Social Security edition of Trivial Pursuit, a game that...

Social Security rules for nonworking spouses

August 19, 2019

Financial advisers often ask me how to maximize Social Security benefits based on the ages and relative retirement benefits of each spouse in a dual-income couple, which is a typical client profile today. But for much of Social Security's 84-year...

AI, blockchain should be high priority for record keepers ​

August 26, 2019

The 401(k) system is one of slowest segments of the financial services industry to embrace modern digital technology. While there are technology vendors working on digitizing part of retirement plan advisers' workflow, many record keepers still...

Can HSAs flip the script on retirement health care expenses?

August 28, 2019

Health care costs present a significant retirement risk for many Americans. According to a Fidelity research report, a 65-year-old couple retiring in 2019 can expect to spend roughly $285,000 in health care and other medical expenses throughout...

Plan sponsors, record keepers struggling to measure success of financial wellness programs

August 8, 2019

Record-keepers and retirement plan sponsors are struggling to measure the success of new financial wellness programs, according to a new report from research and consulting firm Cerulli Associates. Financial wellness programs go beyond traditional...

The case for widening the RPA business model — and how to do it

June 28, 2019

Positioning advisory firms for today's competitive environment The following is an excerpt from the Voya Financial Advisors and InvestmentNews white paper — Building a Balance: Scaling your business to serve plan sponsors and wealthy clients....

Helping clients crack the code on Social Security

August 27, 2019

Deciding when to retire is very personal and depends on a number of factors, including a clearly defined vision for how and where time and financial resources will be spent, health and health-care insurance options, family longevity, and penalty-free...

Clients worry about future Social Security cuts

August 12, 2019

A new survey underscores how important Social Security benefits are to older clients and shows many advisory clients fear that their lifestyles could be seriously curtailed if benefits were cut in the future as a result of the program's long-term...

Social Security and Medicare issues get personal

August 6, 2019

From time to time, I write a "dispatch from the retirement front" based on personal insights from living with a retired husband or fielding questions during girlfriend getaways about enrolling in Medicare and claiming Social Security benefits....

Risky Business: How to Handle the Topic of Risk With Your Clients

July 31, 2019

If there's one thing every client has in common it's this: no one enjoys losing money. And yet market downturns and other losses will occur—and that can leave you in a difficult position. Particularly if you haven't planned ahead. What does...

Social Security has special rules for divorce

July 23, 2019

No one would deny that Social Security is complicated. With about 2,700 rules governing benefits, it is no wonder that financial advisers and their clients are often confused by the best way to maximize benefits. When it comes to divorced clients,...

Meet our new retirement columnist

March 20, 2019

Most nights I go to bed thinking about retirement planning. Sometimes I dream about retirement planning. And typically, I wake up thinking about retirement planning. To be honest, I have become a bit obsessed with personal financial planning...

Retirees lose $3.4 trillion by claiming Social Security too early

June 28, 2019

Despite all the talk about the value of maximizing Social Security benefits, it seems few retirees are listening. The fact that only 4% of retirees wait until age 70 to claim their maximum retirement benefits is not news. What is noteworthy,...

7 retirement side gigs to help retirees make up the income gap

August 7, 2019

Many people these days are embracing the gig economy to earn extra - or needed - income beyond what they've planned for in retirement. Here are some creative suggestions for advisers to recommend to retired clients who are running low on cash...

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...

Terminal diagnosis affects Social Security timing

June 5, 2019

I received a heartbreaking email from a reader the other day asking for advice on when he should claim his Social Security benefit given his recent diagnosis of stage 4 lung cancer. He is 61 and no longer working. His wife is 62. "[My wife]...

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...

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