Retirement Articles

  1. Top 401(k) Shortcomings: What to Know

    Many 401(k) plans are riddled with flaws that can impede retirement savers in many ways. Here are ten of the most common ...
  2. How the New Fiduciary Rule Will Impact Investors

    The DOL's new fiduciary rule is now in effect. Here are a few areas where individual investors, including clients and prospects, ...
  3. Social Security: How to File and Suspend Online Before 4/29

    If you’re between the ages of 62 and 70, you could add up to $60,000 to your Social Security benefits if you file for and ...
  4. Valeant News: Michael Pearson's Return, Sort of

    Explore the circumstances surrounding Michael Pearson’s leave of absence from Valeant, as well as the details of his short-lived ...
  5. Retired with an HSA? How to Make the Most of It

    Here's how advisors can help retired clients make the most of HSAs and avoid mistakes.
  6. Financial Engines Broadens Advice Offerings

    Financial Engines is broadening its services to include insurance and healthcare advice.
  7. 5 Tips for Those 5 Years Away from Retirement

    Whether helping a new client or working with long-time clients, here are five financial planning tips for those within five ...
  8. Europe’s Safest, Cheapest Countries for Retirement

    Retiring abroad is attracting a growing number of adventurous older adults who want a lower cost of living. Our country-by-country ...
  9. Buyout Offer? 12 Ways to Tell If It’s Good

    When you are presented with a package, take a close look at these elements – and be sure to negotiate, if possible.
  10. Closing In On Retirement? Read These Tips

    If you're within 10 years of retiring, you and your financial planner should heed these essential tips.
  11. Common Retirement Advice That DINKs Can Ignore

    The retirement rules are different when a couple has no kids. Spending more, retiring sooner – all kinds of options open ...
  12. This Social Security Collection Strategy Expires Soon

    A Social Security collection strategy used by many couples to maximize benefits will not be available to new users on April ...
  13. File & Suspend Ends April 29th: How to Adjust

    Retirees, near-retirees and their financial advisors are about to lose a $60k Social Security loophole. Act fast or find ...
  14. Money Fund Alternatives for 401(k) Plan Clients

    Upcoming changes to money market fund rules may trigger changes in options offered by many 401(k) plans. Here are some alternatives ...
  15. Laws That Help Low Income Retirement

    If you're retired – or about to be – and money is tight, look to these programs and other benefits for help should you need ...
  16. Retirement: U.S. Vs. Abroad

    Which option would make more sense for you: retiring abroad or staying at home in the U.S.? A look at the advantages and ...
  17. What to Know Before Moving to a Lower-Tax State

    Moving to a state with different tax rules can be very tempting. Here are some things you should consider before moving for ...
  18. Why Wirehouses are Winners Under Fiduciary Rule

    Under the final fiduciary rule wirehouses will see less restrictions than originally thought.
  19. Some Annuities Lose Fiduciary Rule Exemption

    Fixed-indexed annuities have lost an exemption under the final fiduciary rule, a move that wasn't expected.
  20. Why Fiduciary Rule is Good News for Small Plans

    Under the new fiduciary rule small business owners may be subject to less risk for the plans that they sponsor. Here's why. ...
  21. Should You Change Your Retirement Portfolio?

    The government's new fiduciary rule is a reason to look hard at your retirement savings and consider replacing those that ...
  22. How Advisors Can Help Surviving Spouses

    When someone dies, it's natural for a surviving spouse to grieve. But with a little planning, fear of an unknown financial ...
  23. Why Low Volatility ETFs Can Serve You Well in Volatile Times

    Low volatility ETFs may not make you rich, but they can provide a cushion in volatile times.
  24. Mom, What’s This 401(k) Thing?

    We are well aware of the advice we give to young people just starting out in the work force: "Start saving for retirement." ...
  25. A Guide to Social Security Dependent Benefits

    Advisors and their clients tend to focus on Social Security retirement benefits. Social Security also offers dependent benefits. ...
  26. Long-Term Care Policies: Why They're Worth It

    Long-term care insurance can be a godsend for those who need it for an extended period of time. Read on for more about this ...
  27. Finding The Top Retirement Cities In Cambodia

    A retirement choice for the adventurous, Cambodia is finding its place as a small but shining success story in the developing ...
  28. 5 Myths That Could Hurt Your Retirement

    If you're making financial and lifestyle choices based on these retirement myths, you could be missing out on benefits that ...
  29. Your 401(k): Not the Best Emergency Fund

    If you have an emergency and need to access your retirement funds, you may have to pay a penalty if you dip into your 401(k). ...
  30. Which Child's Best for Monetary Power of Attorney?

    Don’t make the mistake of trying to appear “fair” or avoid hurt feelings. Trustworthiness and ability are the factors to ...
  31. Rebalance IRA: The Right Robo-Advisor Fit for You?

    Here are the pros and cons of investing time and money into Rebalance IRA, a robo-advisor upstart that zeroes in on retirement ...
  32. 6 Signs You're Ready to Retire Early

    If you can answer "yes" to these six questions, you may be ready to retire early.
  33. Protect Your Nest Egg From A Bear Market

    The economy has its ups and downs. Investors who take a disciplined approach and diversify their portfolio are better prepared ...
  34. Medicare’s New Payment Rules: Should You Worry?

    Medicare is moving from a fee-per-service model for hip and knee replacements to one that involves bundled payments. How ...
  35. Reverse Mortgages: How They Can Cushion Retirement

    Reverse mortgages can add some wiggle room to your retirement budget. Here's the lowdown on how to use them — and how not ...
  36. Tips on How to Delay RMDs for Working Clients

    Qualified plan participants who work past age 70½ can delay taking required minimum distributions if they qualify. Here's ...
  37. How Working Longer Impacts Social Security

    A look at the impact of working longer on Social Security retirement benefits.
  38. Which Retirement Funds Are Protected from Creditors?

    While many employer-sponsored retirement accounts – including most 401(k)s – are protected against creditors, that’s not ...
  39. How to Save for Retirement Like a Wealthy CEO

    Don't have a CEO's income? You can still employ a millionaire’s saving strategy when it comes to planning for retirement. ...
  40. 401(k) Alternatives for High-Income Earners

    One downside to earning more is a higher tax rate on your 401(k) distributions. Here's how high-earners can minimize that ...
  41. How the Fiduciary Rule Could Save Investors $17B

    Supporters of the new "fiduciary rule" say it could save Americans with IRAs and 401(k)s around $17 billion per year, but ...
  42. What Does It Cost to Retire in Panama?

    Learn how much it costs to retire comfortably in Panama, and why it has become one of the most popular retirement destinations ...
  43. Why Many Americans Believe Retirement is Out of Reach

    If a financially secure retirement feels like it's just beyond your grasp, you're not alone. This year's EBRI survey reveals ...
  44. Yes, Drug Prices Really Have Doubled

    It isn’t just your imagination: The price of prescription meds has been climbing. The trend is expected to continue, so start ...
  45. Savings Priority: Which Goals Beat Retirement?

    Everyone knows that they should save more for retirement, but a Capital One Investing survey shows that other goals come ...
  46. Fiduciary Rule: How Advisors Should Outsource Risk

    The impending fiduciary rule will lead to increased liability for many advisors but there are ways to outsource some of the ...
  47. Established Wealth Managers with Robo-Advisors

    These established wealth management firms offer robo-advisor platforms or have one in the works.
  48. Why Rollover Your Retirement Assets into an IRA?

    If you're in the workplace now, chances are you'll ask yourself this question eventually: 'Should I rollover to an IRA?' ...
  49. The Fiduciary Rule and IRA Rollover Conflicts

    The pending fiduciary rules proposed by the DOL could put a real crimp in rollovers from 401(k) plans to IRAs.
  50. An Argument for Not Saving Everything for Retirement

    We know that we need to amass a significant nest egg for a leisurely retirement. But what about enjoying our time now?
  51. How to Tell if You're Investing Too Conservatively

    Investing is a balance between growing and preserving your money. It's understandable to want to be conservative, but what ...
  52. The Deadline for Catch-Up Contributions: April 18

    Those who want to maximize their retirement plan contributions can still make a prior-year contribution for 2015. Don't miss ...
  53. Is the 80% Retirement Rule Valid for Clients?

    Is the 80% rule of thumb for retirement spending a reasonable one?
  54. 7 Reasons to Yank a Mutual Fund from Your 401(k)

    Not all mutual funds are created equal. Here are some practical tips for recognizing – and ditching– low-value mutual funds ...
  55. REITs vs. ETFs: Which Are Better for Retirees?

    Real estate investment trusts (REITs) and exchange-traded funds (ETFs) both offer the potential to earn passive income in ...
  56. Proposed Medicare Drug Rules: Good or Bad for Seniors?

    The federal government is proposing a solution to the rising prescription drug prices that Medicare and seniors who use Medicare ...
  57. Reverse Mortgages: Right for Clients? Not Often

    Reverse mortgages are a legitimate vehicle for folks age 62 and up to tap into the equity in their homes for other uses. ...
  58. How Pensions, Social Security Differ

    Both pensions and Social Security provide an income stream to retirees, but they differ widely on how they're structured ...
  59. Tax Tips for RMDs on Big 401(k) Balances

    Have a large 401(k) balance? Here are some ways to reduce taxes on required minimum distributions.
  60. Boomers: Top Tips for Shoring Up Your Retirement

    The retirement situation for most Baby Boomers isn't that encouraging. But there are actions they can take to shore up their ...
  61. Technology is Making 401k's More Accessible to All Employees

    Despite the $5.5 trillion invested in retirement and savings plans, many Americans are primed for a lower standard of living ...
  62. Advisors: Study Reveals Client IRA Rollover Habits

    Recent research shows insights into who uses IRA rollovers at retirement. Here's what's important to new retirees at this ...
  63. Making Social Security Work for Client Couples

    What are the best ways to advise client couples when it comes to filing for social security? Here are some strategies.
  64. Don't Retire Early - Change Careers Instead

    Many people who long for early retirement simply may have never known what it's like to enjoy going to work every day. A ...
  65. 4 Reasons ETFs Might Be Good for Your 401(k)

    Should you include ETFs in your 401(k)? Perhaps. But there are cautions to observe, particularly if you intend to day trade ...
  66. Retirees: Make More Money as a Peer-to-Peer Lender

    With interest rates keeping traditional investment returns low, peer-to-peer lending offers retirees a chance for higher ...
  67. 5 Steps to Getting Started in Investing

    “How do I start investing?” It’s a complex question and there's a lot to consider. Here's how to lay a foundation for success.
  68. A Key Tip for Making Your Nest Egg Last Longer

    Retirees who don't want to deplete their nest eggs during a bear market should make sure to do the following.
  69. 7 Top IRA Strategies for Your Clients

    With IRA season in full swing, advisors should consider these seven strategies for clients.
  70. What It Takes to Be Confident About Retiring

    Six out of 10 Americans have at least some confidence in their ability to have a comfortable retirement. Do this to join ...
  71. 3 Tax Things to Consider for Your Investment Portfolio

    If you are getting frenetic with the tax season and haven't seen the connection between taxes and investments, here are three ...
  72. Longevity Annuities: A Salve for Volatility?

    Recent market volatility has led some investors to take a second look at longevity annuities. Here's when they are a good ...
  73. Pros & Cons of Managing Your 401(k) Yourself

    The decision to manage your 401(k) investments should not be made lightly. These pros and cons will help you determine if ...
  74. 7 Issues to Consider When Determining Life Insurance Coverage

    Seven issues to consider when buying life insurance to ensure the coverage is tailored to meet your personal financial situation. ...
  75. Advisors: Tips for When to Employ Living Trusts

    Revocable living trusts accomplish estate planning objectives that aren't possible with a will. Here are some of the cases ...
  76. Tax Breaks for People Over 50

    If you’re over 50 you have some tax advantages that your younger counterparts do not. Don’t submit your taxes without first ...
  77. Is Medicare Available to Anyone Besides Retirees ?

    People think you need to be 65 before you're eligible for Medicare. But you might be eligible before then. Here's who can ...
  78. Retirement Downsizing Tips (Not Your Home)

    Worried about your budget but still want to keep your house after you retire? Check out these alternative downsizing ideas.
  79. What Women Need to Know About Social Security

    Advisors can help female clients properly plan for claiming Social Security and take full advantage of the benefits. Here ...
  80. Money Market Funds: Still the Best Choice?

    A number of plan sponsors are facing lawsuits filed by participants centering around the low returns of money market funds. ...
  81. How Would Forced Retirement Saving Work?

    The nation needs an overhaul when it comes to better planning for retirement. Here are some proposed solutions.
  82. Tips for Tax-Efficient Retirement Plan Withdrawals

    Here's how advisors can help increase tax efficiency for clients who are withdrawing assets from retirement accounts.
  83. How Much Will Healthcare Cost After You Retire?

    The price tag may shock you, which is why you should do some pre-retirement calculations. The fact is, Medicare is not going ...
  84. Medicare Part D Is Changing How You Pay for Drugs

    As the price of prescription medication rises and the population ages, insurers are looking for ways to cut costs. That's ...
  85. Advisors: Clients Must Take First RMD by April 1

    For clients required to take their first required minimum distribution from a retirement account, April 1 is a key deadline ...
  86. Borrow These Retirement Savings Tips from the Rich

    What can you learn from the wealthiest investors when it comes to saving for retirement? Here are their top tips.
  87. How to Know if Your 401(k) Plan Fees Are Too High

    Finding out how much you are paying for your 401(k) plan takes some research, but you should know exactly what you are getting ...
  88. Retired? Here Are the Best Robo-Advisors for You

    Robo-advisors are often associated with young investors, but there are a few online services that cater to retirees. Here's ...
  89. Executive Retirement: Pension vs. Lump Sum

    Choosing between these two options requires making an educated guess about your lifespan and understanding your tolerance ...
  90. 5 Safest Countries to Retire to in Latin America

    See which countries came out on top in the latest rankings – and which might appeal as a retirement destination.
  91. The Retiree Conundrum: ETFs or Mutual Funds?

    Choosing between ETFs and mutual funds depends on your knowledge of the stock and bond markets – and on how hands-on you ...
  92. Are We In a Baby Boomer Retirement Crisis?

    Data paints a gloomy picture for Baby Boomers and their retirement. So how bad is it? We take a look at the latest research. ...
  93. 65 or Older? Have Elective Surgery THIS Year

    This is the last year in which seniors only have to reach 7.5% of adjusted gross income before they can start deducting medical ...
  94. 5 Reasons to Update Your Living Will

    A living will protects you when you can't fully take care of yourself, but the details can be forgotten. Minds change, medicine ...
  95. Don’t Let These Overlooked Costs Ruin Your Retirement

    Blindly putting money aside will not optimize your retirement savings. Make sure you understand your position in relation ...
  96. Make It Legal When You Retire

    If you haven’t done your estate planning, named a power of attorney and considered your legacy, you still have some pre-retirement ...
  97. Franklin Templeton’s Top Funds for Retirement

    These are Franklin Templeton's top mutual funds and ETFs for a diversified retirement portfolio.
  98. Do This to Avoid Outliving Your Retirement Portfolio

    Many retirees put too much money into safety and don’t allow their portfolio to continue to grow. Here’s how to avoid outliving ...
  99. More Pension Plans in the Deep Freeze

    A growing number of Fortune 500 companies have sent their defined-benefit pension plans to the deep freeze. What employees ...
  100. Don't Miss These Tax Deductions

    Knowing the tax deductions you're entitled to can make or break your bank account. Do you know about all these insurance-related ...
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