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Get with the (retirement) plan
While all investors have experienced the pain of recent market declines, baby boomers are less confident about their future than those who are already retired.
Distribution holiday has its complications
Suspension of requirement - for 2009 only, but it doesn't apply to defined benefit plans.
A big bear market strategy for retirees
The probability of depression-like declines in the markets is small, but the consequences could be severe if you don’t have a plan in place for retired clients.
Rethinking strategy for the long run
Given the gale-force macroeconomic winds that have pummeled retirement assets, those of us in the asset management business must ask whether the traditional ways of thinking about investment management for the long term went awry.
Changes in estate planning
The New Year brings major changes in many estate plans. Not only has there been the biggest year-to-year increase in the federal estate tax exemption (from $2 million to $3.5 million), but the change comes at a time when the values of many estates have declined, due to the housing and stock market slumps.
What investors can learn from Wall Street’s failures
Here are three important portfolio survival lessons retired investors and their advisers can learn from Wall Street’s failures.
Reducing AGI when self-employed
Your client wants to know whether she can contribute after Dec. 31, 2008, to a SEP-IRA set up in that year, but to which no contributions were made in 2008, in order to reduce her modified adjusted gross income.
What investors can learn from Wall Street’s failures
What do Wall Street investment banks and retired investors have in common? They both must live off the return on their capital.
Trust wording can avoid big tax bill
Even when it’s done correctly, naming a trust as an IRA beneficiary can create more tax headaches than it solves.
The gift of more retiree referrals
Are your clients willing to risk their reputation to recommend you?
It is time for IRA conversions
Before yearend, capitalize on low stock values by moving to Roth accounts.
Traditional advice won’t help retirees
The most popular traditional advice investors hear today is that they need just to “wait it out.” Unfortunately, because retirees need distributions now, you can’t simply tell them to wait it out.
A question of withdrawal timing
Retirement-oriented funds must start doing a better job of managing for distributions.
Retirement is an anachronism
Revolving retirement is likely to become the way baby boomers move forward.
Are Americans saving ‘optimally’ for retirement?
While there is a considerable amount of discussion in the popular media and in policy and academic writing that Americans are doing a poor job of preparing for retirement, this paper finds little evidence that Americans born before 1954 have prepared poorly for retirement.
The four pillars of U.S. retirement
This white paper provides a framework for how Americans will prepare for and live in retirement through Social Security, employment-based plans, personal savings and their own retirement choices.
The looming crisis in caregiving
Even if they can afford to pay, the elderly may not be able to find the help they need.
When cashing out of an annuity makes sense
Sometimes cashing out of an annuity can make more sense than doing a tax-free transfer into a new product — even if it presents the client with a tax bill.
The benefits of beneficiary reviews
Since about 80% of client forms are outdated or blank, advisers can provide a real service.
Pre-retirement checklist for risk management
Before pilots take off in an airplane, they go through their preflight checklist. Since managing retirement income accounts is also risky business, consider developing a pre-retirement checklist.
