Retirement Articles

  1. Are ETFs a Good Fit for 401(k) Plans?

    The popularity of ETFs among investors and advisors continues to grow. But are they a good fit for 401(k) plans?
  2. Going Back to School as a Retiree? Here's a Guide

    The options for becoming a student after your working life ends are easier and less expensive than you might think.
  3. Do Robo-Advisors and Retirees Mix?

    Robo-advisors have democratized investing for many, but can they help retirees? Here are some things to consider before choosing ...
  4. How to Create a Client Investment Policy Statement

    Investment policy statements are vital for financial advisors and their clients. Here are some tips for creating them.
  5. The 5 Best Retirement Communities in Fort Myers, Florida

    Discover why Fort Myers, Florida has become a popular retirement destination, and learn about five of the best retirement ...
  6. Using Your 401(k) to Pay Off a Mortgage: The Pros and Cons

    Learn the advantages and drawbacks of using assets accumulated within a 401(k) retirement savings plan to pay down a mortgage ...
  7. Annuities Vs. Bonds: Which One Is Better For You?

    Compare the important features of annuities and bonds, and understand which investment vehicle is the better choice based ...
  8. 2 Common Ways to Misuse Target Date Funds

    The world of asset classes is just as complicated as taking vitamins. How much should you take of small caps? Intermediate ...
  9. What Does It Cost to Retire in Uruguay?

    Though not as big a bargain as other Latin lands, Uruguay still offers an affordable haven for expats of a certain age.
  10. Top Tips for Helping Clients Through a Divorce

    It may take a delicate touch to properly assist clients who are going through a divorce. Here are some tips.
  11. What Target-Date Funds Can Teach About Investing

    Target-date funds are a popular way to invest for retirement. Here's what they can teach the novice investor.
  12. Charity or Retirement Saving: Which to Prioritize?

    Financial planners need to help clients with their financial goals but also support them in their philanthropic endeavours. ...
  13. Peru's 5 Top Retirement Cities

    Peru has a lot going for it – culture, historical landmarks, cuisine, climate – that draws many U.S. retirees. A major factor ...
  14. How Legacy Planning Can Help Capture New Clients

    Don’t underestimate the importance of legacy planning with your clients—it could serve as method for you to create new business ...
  15. 3 Stocks that Are Top Bets for Retirement

    These three stocks are resilient, fundamentally sound and also pay generous dividends.
  16. Tips for Retaining Your Client's Heirs

    It's a good idea to start working with your clients' children early on to forge relationships and hopefully continue to manage ...
  17. How to Protect Retirement and Help Adult Kids

    Parents can both protect their retirement money and help their adult kids. Here's how.
  18. 10 Ways to Save Your Retirement: It's Not Too Late

    It's not too late to start saving for your retirement, even if you took longer to start thinking about it and doing something ...
  19. Why Are Financial Literacy and Education so Important?

    Financial literacy is the confluence of financial, credit and debt knowledge that is necessary to make the financial decisions ...
  20. 5 Ways to Use Your Home to Retire

    Retirement is going to cost a lot, and for homeowners who face a shortfall, their home can be a source of income. From downsizing ...
  21. 10 Ways to Effectively Save for the Future

    Savings is as crucial as ever, as we deal with life changes and our needs for the future. Here are some essential steps to ...
  22. Mutual Funds Millennials Should Avoid

    Find out what kinds of mutual funds are unsuitable for millennial investors, especially when included in millennial retirement ...
  23. How to Protect Your Portfolio from a Market Crash

    Although market crashes are usually bad news for your portfolio, there are several ways to minimize losses or even profit ...
  24. Why Women Are Underprepared for a Spouse’s Death

    Women are typically less prepared for the death of a spouse than men. An advisor can help mitigate some of the financial ...
  25. How Robo-Advisors Can Help You and Your Portfolio

    Robo-advisors can add a layer of affordable help and insight to most people's portfolio management efforts, especially as ...
  26. 3 Benefits of Working Longer (and Retiring Later)

    There are many reasons why folks in their 60s may want to keep working until at least age 70. Here are three.
  27. What Does It Cost to Retire in Costa Rica?

    Tally up the costs associated with taking your retirement in Costa Rica, and determine whether you have what it takes to ...
  28. How to Decide Where to Live in Retirement

    Here's a guide to help you decide where you want to live after retirement.
  29. 5 Best Cruise Lines for a Recent Retiree

    The best cruise lines plan everything for you – the food, the entertainment and the itinerary. But pick a line with a compatible ...
  30. Passing Down Values and Money to the Next Generation

    Amassing wealth to pass down to your kids is great unless your values don't come with it. A priceless gift is teaching them ...
  31. Estate Planning for Singles

    Now that singles dominate the population, it's important they understand the essentials of estate planning for indivdiuals.
  32. 5 Great Timeshare Locales for Retirees on a Budget

    For retirees on a budget, there are affordable timeshares located in charming towns that don't cost a fortune for vacation ...
  33. How Are 401(k) Withdrawals Taxed for Nonresidents?

    As a U.S. nonresident, deciding what to do with your 401(k) after you return home comes down to which tax penalties, if any, ...
  34. What Does It Cost to Retire in Belize?

    Find out how much monthly income you need to retire comfortably in Belize, a subtropical paradise with jungle landscapes, ...
  35. Why Are Annuities Important for Retirement?

    Understand how annuities work, and identify the benefits they provide for retirement, the most salient being a guaranteed ...
  36. Why Some Celebs Say 'No Inheritance for My Kids'

    To some of the super rich, inherited wealth is not the ultimate gift, it's a burden. Here's how their children—as well as ...
  37. Social Security COLA in 2016? Not Likely

    A cost of living increase for Social Security doesn't look likely in 2016. Here's what retirees should know and what they ...
  38. Advisors: Why Older Clients Need Housing Help

    When was the last time you talked to your clients about housing in retirement?
  39. This Group is the Most Underprepared to Retire

    More than any other demographic, this group is woefully underprepared for retirement. Here's what they can do to change that. ...
  40. Why Near-Retirees Shouldn't Sweat the Volatility

    With the stock market bumpy, some folks nearing retirement might be nervous. Here's how to create some wiggle room for your ...
  41. Find an Affordable Timeshare on a Retiree's Budget

    Vacations can be expensive, especially on a fixed income. These tips will help you buy a share in a getaway property that's ...
  42. What to Do When Your Doctor Doesn't Take Medicare

    Stay and pay the full fee? Cut and run to another provider? Five ways to cope when Medicare threatens to break up you and ...
  43. The Cities Where the Ultra-Rich Retire in Florida

    Understand why the Florida communities of Miami Beach, Palm Beach and Key West serve as magnets for the ultra-rich retirees ...
  44. Is Delaying Social Security Until 70 a Good Idea?

    Soon to be retirees are often told it's best to wait until age 70 to collect Social Security. Here's why this is not always ...
  45. The Better Way to Save: Life Insurance or IRA?

    Sure, you can tap your permanent life insurance policy to help fund your retirement. But in most cases, an IRA is the better ...
  46. Pick 401(k) Assets Like A Pro

    Professionals choose the options available to you in your plan, making your decisions easier.
  47. Retired & Rich? The 5 Most Luxe Timeshares

    Timeshares have gone seriously upscale. No longer mid-range vacation places, here are some very deluxe locations for retirees.
  48. Your Heirloom Jewelry: How Much Is It Worth?

    You grandma's diamonds are now yours. Whether you plan to keep them or not, you first need an honest appraisal. Here's how ...
  49. 5 Reasons Why Americans Retire in Malaysia

    Understand why Americans are deciding to retire internationally. Learn about the top five reasons why Americans are retiring ...
  50. The 5 Best Retirement Communities in Sarasota, Florida

    Discover five of the most popular retirement communities in the Sarasota/Bradenton area of Florida, and why retirees are ...
  51. The 5 Most Relaxing Timeshare Locations for Retirees

    If your reason to own a timeshare in retirement is to have a retreat where you can truly relax, you need a location where ...
  52. How Much Can You Contribute to Your 401(k)?

    Given the fairly high compensation limits on these retirement plans, most workers can pitch in more than they currently do. ...
  53. You Would Be Crazy to Retire in These 3 States

    Learn the common criteria for choosing a retirement destination, and understand why you would be crazy to retire in Oregon, ...
  54. When Taking Social Security Early Can Make Sense

    Sometimes it makes financial sense to take Social Security early. Here's a look at when this might be a good idea.
  55. Dodging the Dangers of Self-Directed IRAs

    Self-directed IRAs are an attractive option for investors looking to build nest eggs. But they should exercise caution in ...
  56. Life Insurance & Annuities: Sound Investments?

    There are certain scenarios in which investing in insurance is a savvy move. But expect a big chunk of your money to go toward ...
  57. Top Strategies for Tax-Free Roth IRA Conversions

    Finding a way to convert a traditional IRA to a Roth IRA is a tricky process. Here's when it makes sense to do so.
  58. How to Help Clients Navigate Open Enrollment

    With companies trying to pass on more costs to employees, making the right choices during open enrollment is more important ...
  59. Social Security and Divorce: A Guide

    Retirement for divorced individuals can be more complex. Here's how to navigate Social Security benefits.
  60. Could Robo-Advisors Overtake 401(k) Providers?

    Despite the lower cost and tech efficiency, it will most likely take robo-advisors several years to make a real impact in ...
  61. The 5 Best Retirement Communities in Charleston, South Carolina

    Learn about five of the most desirable retirement communities for seniors that are located in and around Charleston, South ...
  62. What Does It Cost to Retire in the Philippines?

    Find out why the Philippines rates as one of the cheapest retirement spots in the world and why many choose to spend their ...
  63. Corporate Bonds or Stocks: Which is Better Now?

    With market volatility high, you may think it is time to run for corporate bonds instead of stocks. Before you do take a ...
  64. How Retirees Should Prepare for a Rate Hike (VBMFX, VFSUX)

    Janet Yellen has indicated that there will likely be a rate hike later this year. Here's how retirees should prepare.
  65. 4 Investment Mistakes That Will Cost You

    Whether you're just starting out or have been investing for years, mistakes happen. But some of them will cost you big and ...
  66. How to Lower Investment Account Fees in Retirement

    Retired investors need all the money they have, which is why they should keep an eye on investment fees, as high fees can ...
  67. 4 Ways Retirees Can Save on Insurance

    Retirement doesn't mean the end of the road, nor does it mean paying full price for insurance. Carriers reward age and less ...
  68. Retirement Tips for Millennials from Gen Xers

    Gen Xers' financial situation has been very different from previous generations'. Now they'd like to pass on some hard-earned ...
  69. Planning 401(k) Investments In a New Job

    Your 401(k) is one of the most important financial tools that you have. Setting it up the right way is key to a successful ...
  70. 6 Reasons Why Americans Retire in Panama

    Understand why more and more Americans are retiring to Latin America. Learn why Panama is a popular retirement destination ...
  71. Retirement Looming? Here are 6 Essential Tips

    Planning on retiring in the next decade or so? Here is a checklist for both advisors and those planning on their own.
  72. How Fixed Index Annuities Yield Retirement Income

    For investors worried about outliving their income in retirement, fixed indexed annuities can help fill the gap. Here's how.
  73. 10 Ways to Retrofit Your House for a Senior

    A checklist of renovations a residence may need as you get older – or if you have an elderly person living with you.
  74. Most Senior-Friendly Cruise Destinations

    When it comes to choosing a cruise for the post-retirement set, not all destinations are created equal. Here's a handful ...
  75. Retrofitting v. Moving: What's Better for Seniors?

    Should you spend money to make your home senior-friendly or to buy a new place? Personal needs and project size determine ...
  76. 4 Reasons Why Americans Retire in Colombia

    Learn about the top four reasons why Americans are retiring to Colombia.
  77. The Pros and Cons of Hybrid Annuities

    An in-depth look on the pros and cons of hybrid annuities.
  78. 7 Reasons Why Americans Retire in Thailand

    Understand why many Americans are deciding to retire in developing countries such as Thailand. Learn about the top reasons ...
  79. How to Help Clients Plan a Phased Retirement

    The notion of phased retirement is gaining traction. Here's how advisors can help clients plan accordingly.
  80. Robo-Advisors Now Entering the 401(k) Market

    A look at Betterment's plans to offer an all-ETF online 401(k) plan.
  81. A Guide To Rollover A 401(k) To A New Employer

    Here's exactly what you need to know.
  82. How Much It Takes to Max Out Your IRA

    IRAs have certain tax advantages that allow your nest egg to grow at a faster rate. But there are annual limits on how much ...
  83. 7 Reasons To Own Life Insurance in an Irrevocable Trust

    An Irrevocable Life Insurance Trust helps minimize estate and gift taxes, provides creditor protection and protects government ...
  84. 10 Things You Need to Know About Social Security

    Every saver should know these ten things about Social Security retirement benefits.
  85. Are Cash Balance Pensions the Best for Small Biz?

    Are cash balance pensions the right solution for your small business clients? Here's why they may or may not work for your ...
  86. How Oil and Gas Can Fuel Your Retirement Account

    Investors who choose oil and gas assets inside a tax-deferred retirement account can reap substantial rewards. Here's how ...
  87. I Maxed Out My IRA! Now What?

    You've contributed your annual maximum to your IRA. Well done! But you need to save much more than that if you're going to ...
  88. How To Protect Your Retirement from Lawsuits

    Getting sued is one of those things that no one really plans on. Be proactive and make sure your hard-earned retirement is ...
  89. 6 Ways Retirees Can Capitalize on Higher Rates

    A interest rate increase still looks to be on the horizon, so retirees should begin rethinking the way they currently invest.
  90. The Backdoor Way to Qualify for a Roth IRA

    Meet with your tax advisor to find out what a backdoor Roth IRA is. Basically, it's a tax loophole that could help you prepare ...
  91. How to Advise Clients with Frozen Pensions

    Financial advisors are on the front line in advising clients impacted by a frozen pension. Here's what they need to consider. ...
  92. These 10 States Have the Priciest Long Term Care

    There’s a huge need that people often ignore when planning for their golden years: long-term care. Here's where not to enroll.
  93. Finding The Best Tools To Manage Your Retirement Money

    Useful starting points for assembling your own retirement money-management toolkit.
  94. How to Set Up a Trust Fund in Canada

    You don't have to be rich to make use of a trust fund. Rules can be complex; here's what you'll need to discuss with your ...
  95. Don't Miss Out on a 401(k) Match

    If your employer matches your 401(k) contributions, fund your plan up to the maximum they'll match. Unless, of course, you ...
  96. Retirement Planning Using Long-Dated Options

    Retirement planning using high-risk options? It is possible, and studies confirm better yields than conventional methods. ...
  97. Top 10 States for Affordable Long-Term Care

    Every state varies on the average cost of long-term adult care. Here's a list of states where these types of services are ...
  98. Beat Retirement Planning Anxiety with These Tips

    It’s never too early to start thinking about saving for a secure retirement. The key is to start early and not leave things ...
  99. How to Piece Together a 401(k) Plan

    In the world of 401(k) investment lineups, more is not always better. Here's an overview of things you may want to include ...
  100. How to Prepare Your 401(k) for Rising Rates

    If headlines of the Fed raising rates have you worried, here are some ideas to help you think about your retirement-investing ...
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