Displaying 16 results
Should clients annuitize their retirement assets?
With the decline in the stock market over the last year, there is renewed interest in lifetime income guarantees for retirees. So, does it make sense to annuitize retirement money or roll the dice with market based returns?
Frozen 401(k) matches are discouraging employees from contributing
As if people needed more of a reason to be down about their 401(k)s. Scores of employers,…
Protecting retirement assets from rising taxes
President Obama intends to raise income taxes on the rich, and since earned income is the source of…
It’s prudent not to count on Medicare and Social Security benefits in retirement planning
Two of the primary pillars of retirement security are not just on the ropes, but actually on life support.
Diversity is still king for portfolio protection
Safety and security for retired investors have been overrated, and we need to think differently about these concepts and about diversification.
Rethinking inflation during retirement
Financial advisers must consider many types of risk when creating and executing successful retirement income plans, but perhaps none is more insidious than inflation.
Advantages of delaying an application for Social Security
The conventional wisdom is that Social Security benefits are insignificant to anyone who can afford a financial planner,…
Changes in estate planning
The New Year brings major changes in many estate plans. Not only has there been the biggest year-to-year…
Redefining long-term diversification
With risk tolerance and potential returns plummeting as the entire U.S. financial infrastructure remains in flux, financial advisers and investors are taking a new look at investing for retirement.
Act now on 529 plans
Extremely wealthy clients may see the current stock and real estate markets as a great estate-planning opportunity to…
A question of withdrawal timing
Investors and portfolio managers alike have been shellshocked by the stock market's decline and its extreme volatility. Investment models that once seemed bulletproof have been exposed as inadequate, none more surprisingly than the recently introduced managed-payout retirement income portfolios.
Charitable-IRA rollovers are back
The bailout bill, known as the Emergency Economic Stabilization Act of 2008, contains many little-known provisions, including the retroactive extension of the IRA charitable rollover.
The looming crisis in caregiving
Over the next two decades, the number of Americans over 65 will double and exceed 20% of the U.S. population.
Ignoring Medicare enrollment rules can cost your client plenty
Every adviser with clients who are nearing retirement should start talking to them at least six months before…
Health care is part of wealth care
If health is wealth, what would be the financial consequence if one of your clients lost his or her physical and/or mental independence?
Hunting for Health Insurance in Early Retirement No Easy Task
There’s no greater challenge for an early retiree and their adviser than hunting for health insurance to tide…
