Retirement Articles

  1. Why Broker-Dealers Disagree on Commissions in Retirement Plans

    Morgan Stanley and Ameriprise plan to continue charging their clients commissions in their retirement accounts despite the ...
  2. The Flaws in 403(b) Retirement Plans for Teachers

    Here's a look at the many issues with teacher retirement plans, also known as 403(b) plans.
  3. How to Help Clients Avoid Late IRA Rollovers

    Here are the things advisors need to consider when advising clients on late IRA rollovers.
  4. When an Estate-Planning Consultant Makes Sense

    Hiring a certified estate-planning consultant is almost never a bad idea, especially as the cost of a mistake can be years ...
  5. Should You Have a Supplemental Retirement Plan?

    A supplemental retirement plan can enhance your ability to set aside money for retirement when you've exhausted other savings ...
  6. Why You Need to Update Retirement Account Beneficiaries

    The designation of beneficiaries in retirement accounts takes precedence over a will. Don't forget to keep them updated. ...
  7. Here's Your End of the Year Financial Checklist

    Here’s a checklist for some financial housekeeping that can be addressed now—before you’re up to your neck in gift wrap and ...
  8. A Trump Estate Tax Repeal? Not So Fast

    Donald Trump faces an uphill battle when it comes to his promise of repealing the estate tax. Here's why.
  9. Impact of Continuing to Work in Retirement

    What if you just kept working instead of retiring when you reach 65 or 66? Here's how to calculate how it would affect your ...
  10. What Trump's Presidency Means for Advisors, Retirement

    How could the Trump Administration's policies impact financial advisors and savers?
  11. Online Estate Planning: Is It Right for You?

    Although online estate planning can save you time and money, it’s not the smartest option for everyone. Here are some factors ...
  12. Add It Up: Key Retirement Numbers

    Learn these magic numbers for a comfortable retirement. Here's how one investment manager calculates how much you'll need.
  13. Can You Retire In Italy With $200,000 of Savings?

    The secret: If you want to live in Italy on a budget, you need to live like an Italian, not like an American movie star.
  14. Avoid These 4 Roth IRA Mistakes in Estate Planning

    Beneficiaries will not be able to maximize their tax savings with a Roth IRA unless it is passed down in a certain manner.
  15. Here’s How to Find a Lost Pension

    To find a lost pension, you have to figure out who is now responsible for paying it and how to claim your benefits.
  16. 7 Ways to Reduce Healthcare Costs in Retirement

    When it comes to retirement, one of the big, unknown costs can be healthcare. Finding ways to reduce those costs is a necessity ...
  17. Social Security and Medicare: Where Do Clinton and Trump Stand?

    Changes will have to be made (and made soon) to preserve Social Security and Medicare for future generations. So why isn't ...
  18. Dollar-Cost Averaging With ETFs

    If you are investing small amounts regularly into an exchange-traded fund, be sure to do it right.
  19. How to Minimize Estate Taxes via Charitable Giving

    Here are several ways to reduce your taxable estate while providing a gift to a worthwhile cause.
  20. How to Set up a Trust Fund If You're Not Rich

    You don't need to be wealthy to create your own trust fund. Here's why and how to go about it.
  21. 6 Great Retirement Websites and Other Online Tools

    If you’re approaching retirement – or already there – here are six retirement websites packed with helpful information and ...
  22. Is Your Mortgage Robbing Your Retirement?

    If you picked the mortgage with the lowest possible monthly payment, you may be blowing what could be your retirement money ...
  23. Including Social Media Accounts in Estate Planning

    A lot can happen to your social media and email accounts when you pass away. Planning ahead will save loved ones a lot of ...
  24. The Best Investment Strategies for a Low-Yield Environment

    Our current economic environment is challenging, so you need to have the best investment strategies for your situation. A ...
  25. 4 Tips for Retiring in Puerto Rico

    If beaches are your thing, Puerto Rico is likely on your radar as a retirement destination. Here's what else to know before ...
  26. 11 Social Security Calculators Worth Your Time

    The safest Social Security calculators to use when figuring benefits are on the official website. The best are the ones that ...
  27. 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, ...
  28. The Basics of a 401(k) Retirement Plan

    This plan has become one of the most popular retirement options. Here's why.
  29. Avoid the Downsides of Downsizing in Retirement

    Done right, downsizing can still be a good idea. You can have more money, simplify your life, and reduce home-maintenance ...
  30. Delaying Taking Social Security: What to Consider

    Ready to cash in on your retirement? Here's how waiting to take Social Security can save you money in taxes and other ways, ...
  31. The 5 Best Places to Retire in North Carolina

    Natural beauty, a reasonable cost of living and affordable housing give you ample choice when it comes to the best places ...
  32. Strategies for a Worry-Free Retirement

    Worried about retirement? Here are several strategies to greatly reduce the chance your nest egg will end up depleted.
  33. Pension Payout Options: What You Need To Know

    Here's what needs to be considered if you have the option of either taking a lump sum payout or a monthly benefit from your ...
  34. Estate-Planning Software: Pros and Cons

    Estate-planning software, while no substitute for a lawyer, can provide education and even be a way to create documents for ...
  35. 4 Books Every Retiree Should Read

    Learn more about the current financial situations retirees are facing and discover four books that every prospective and ...
  36. 6 Reasons Not to Recharacterize Your Roth IRA

    If you're thinking of recharacterizing your Roth IRA into a traditional IRA account, here are six compelling reasons why ...
  37. The Best Strategies to Maximize Your 401(k)

    Use these tips to watch your retirement nest egg grow from quarter to quarter.
  38. Change These 5 Habits & Build Up Your Nest Egg

    Saving for retirement is a long-term goal. See if any of these five easy-to-get-into habits are quietly undermining your ...
  39. How to Help Clients Invest an Inheritance

    Here's how to help clients invest an inheritance to ensure they have a solid retirement nest egg.
  40. Retirement for Advisors: Transitioning to a Lifestyle Practice

    Advisors who are nearing the end of their careers also need to think about how they would like to transition out of their ...
  41. 5 Reasons to Convert a Roth To a Traditional IRA

    Here's a quintet of cases when the traditional IRA trumps the Roth version.
  42. 6 Things Retirees Should Know About Obamacare

    How will health insurance coverage change when you stop working? Here is a need-to-know short list of factors.
  43. The 5 Best Places to Retire in Oregon

    The best places to retire in Oregon all have something in common: abundant natural beauty. However, it isn't among the cheaper ...
  44. 403(b)s Among Plans Not Covered by New Fiduciary Rule

    Some retirement plans, including 403(b)s, are not covered by the DOL's new fiduciary rule. Here's what it means.
  45. Advantages And Disadvantages Of ETFs

    You've probably heard that ETFs are better than mutual funds, but you need to consider all aspects before investing.
  46. Save on Retirement's 4 Biggest Expenses

    Here's how to save where you can while you enjoy the fruits of all those years at the office.
  47. 6 Surprising Facts About Retirement

    With the shift away from pensions, workers are becoming more responsible for their own retirement needs. Unfortunately, many ...
  48. How to Calculate the Value of Annuities

    Here's everything you need to account for when calculating the present and future value of annuities.
  49. Is a Deferred Retirement Option Plan Right for You?

    Deferred retirement option plans are a lesser-known type of employer-sponsored retirement plan that may prove beneficial ...
  50. 8 Ways to Keep Down the Cost of Senior Care

    The cost of senior care today is off the charts. If you haven’t reached retirement age, what can you do to keep expenditures ...
  51. "The Guy Who Gets Hosed is the Little Guy": Former Senator Simpson

    What will it take to save Medicare and cure Social Security? Robert Reich and Alan Simpson had much to say about both (and ...
  52. Helping Clients Make Better Decisions About Social Security

    Advisors should be able to disarm a client's tendency to make poor decisions about Social Security filing to keep the client ...
  53. 15 Ways to Reach Your Financial Goals

    This checklist of 15 important items to consider before the calendar year ends will help get or keep your finances on track.
  54. Before You Retire, Ask Yourself These 5 Questions

    The thought of retirement can be daunting for some. Here are five things to ask yourself that should help prepare you to ...
  55. How an Efficient Retirement Plan Can Save Money

    Without a comprehensive, optimized retirement plan, inefficiencies develop and retirees lose money through unnecessary fees, ...
  56. How Grey Divorce Can Hurt Women's Retirement More

    Research shows that divorce later in life is having a disproportionately higher financial impact on women than on men.
  57. 6 Companies With Exceptional Retirement Plans

    These companies realize that it’s important to take care of their employees not only now but also in the future. Each offers ...
  58. The 5 Top Rules of Thumb for Retirement Savings

    Follow these 5 strategies and set yourself up for a sane and comfortable retirement. Starting early is best, but it's never ...
  59. Roth 401(k) Vs. Roth IRA: Which One Is Better?

    It all depends on your age, your income - and your plans for your retirement nest egg.
  60. Is the Middle Class Giving Up on Retirement?

    Americans aren't completely giving up on retirement, but many haven’t put away enough to take off at the traditional age ...
  61. Top 5 Debit Cards for Teens

    Help your kids learn the basics about money with a top debit card that doesn't saddle them with big fees and charges.
  62. Stretching Retirement Plans for Clients Who Live to 115

    What are the financial implications of living until age 115—and how do they impact your retirement planning?
  63. Financial Advice Can Lead to Extra 3% Boost in Your Returns

    Studies show that advisors usually earn their keep by functioning as behavioral coaches for their clients rather than from ...
  64. Why Universal Life Insurance Can Be a Bad Investment

    Universal life insurance may not be the best investment choice for estate planning. Here's why.
  65. Can You Retire in Malaysia With $200,000?

    A low cost of living, street food fit for foodies and unspoiled rainforest and beaches are just a few of the reasons Malaysia ...
  66. IRA Taxes: How to Make Sure You Pay Less

    Once you retire, taxation on an IRA can become your biggest enemy. Here are a few steps that can help ease the tax burden.
  67. Will the Backdoor Roth IRA be Eliminated?

    The President’s 2017 budget has proposed several changes to the rules regarding retirement accounts with those for Roth IRAs ...
  68. Don't Worry Too Much About Social Security

    Is the fear that Social Security won’t be around when the younger generations retire valid?
  69. Three Stages of Retirement: A How to Guide to Plan for Them

    Retirement isn't something you can plan for and forget. Your needs will change at different points, which is why you need ...
  70. How To Pick The Best ETF

    Of the hundreds of exchange-traded funds on the market, some are bound to fail. Learn how to pick the best of the bunch. ...
  71. Roth IRA Contribution Rules: The Basics

    What you need to know about Roth IRA contributions – from eligibility to dollar limits, deadlines to tax breaks.
  72. During a Divorce, Don't Forget Retirement Accounts

    These are the answers to five common questions on how to handle retirement accounts when couples divorce.
  73. Finding Your Perfect Place to Retire

    If you're planning to move in retirement, here's how to ensure that your new home doesn’t jeopardize your retirement security.
  74. The Rise of the Semi-Retired Life

    The number of people leaving the workforce to become semi-retired, instead of fully retired, is growing. Here is a look at ...
  75. How to Cut Healthcare Costs in Retirement

    The rising cost of healthcare is a scary prospect for many retirees. Here's what you can do to try and keep such costs as ...
  76. Why Age 70 is Pivotal for Retirement Planning

    Age 70 marks the time that you will have to start thinking about RMDs for real, but it's better to start planning for them ...
  77. The Main Attractions of ETF Investing (SPY)

    As the popularity of ETFs soar, a look at the main benefits of these investment vehicles.
  78. Suddenly Pushed into Retirement, How to Handle the Transition

    Adjusting to retirement can be challenging, but when it happens unexpectedly it can be downright difficult. Thankfully there ...
  79. Dissecting Leveraged ETF Returns

    These funds are a relatively new product to most investors, but they could be what you need for increased returns.
  80. S&P 500 ETFs: Market Weight Vs. Equal Weight (RSP, SPY)

    Both S&P 500 and S&P 500 EWI indexes include the same set of stocks, but different weighting strategies give them separate ...
  81. Mutual Fund Or ETF: Which Is Right For You?

    Learn the differences between these investment products and how to take full advantage.
  82. 5 Things to Consider Before a 401(k) Rollover

    Do you have old 401(k) plans from previous employers? Here's what to consider before rolling or moving them over.
  83. An Introduction To Sector ETFs

    Find out how sector ETFs can give your portfolio the punch it needs.
  84. ETFs Or Mutual Funds For Your IRA?

    Most actively managed mutual funds fail to beat the market over a long period of time, so it's probably best to go with ETFs ...
  85. Navigating the Maze of Medicare: Know the Costs

    Navigating the maze of Medicare is complex. Here's what you need to know about the financial and tax aspects.
  86. How to Factor Family into Your Retirement Plan

    Hashing out a family retirement plan can be overwhelming. That's why it's important to revisit things like timing, saving ...
  87. Understanding 401(k)s and All Their Benefits

    A quick guide to understanding 401(k) advantages, from tax savings to shelter from creditors.
  88. Changing Jobs? Don't Forget About Your 401(k)

    There are often conflicts of interest in many 401(k) plans today. Be sure yours—including those from past jobs—are being ...
  89. The Best Bet for Retirement Income: Bonds or Bond Funds?

    Retirees seeking income from their investments typically look into bonds. Here's a look at the types of bonds, bond funds ...
  90. How to Manage SS Disability & Retirement Benefits

    Advisors with clients who receive disability benefits can carve out a profitable niche by helping them integrate this income ...
  91. Is Your Home an Investment for Retirement?

    Does it make sense for those nearing retirement, or who already retired, to pay off their mortgage?
  92. Alternatives to the 401(k) for Retirement Savings

    Is it time to rethink the 401(k) as an integral part of retirement planning? Here's a look at an alternative.
  93. The Frugal Senior's Guide to a Comfortable Retirement

    Living frugally in retirement can still be comfortable as long as you plan well and avoid being unduly cheap. It’s all a ...
  94. Reverse Mortgages: Has Their Time Arrived?

    The perception of reverse mortgages is changing. They can be an integral part of a carefully crafted retirement plan.
  95. Tips to Help Your Clients Make the Most of RMDs

    Here are some tips for advising clients faced with taking required minimum distributions.
  96. 3 Tips to Follow for Your Personal Financial Plan

    These three tips will help you determine what is most important to you, and place it at the heart of your financial plan.
  97. Retirement & Succession Plans for Financial Advisors

    It's irresponsible to run a financial planning practice without an idea for how it will continue after you retire. Here's ...
  98. Financial Planning Tips for the End of the Year

    Taking the time to review your year-end financial planning should be an important agenda item well before the year actually ...
  99. Help Female Clients Before They Claim Social Security

    Women who are retiring or getting close to it would be wise to seek professional advice before claiming their Social Security ...
  100. Small Business Retirement Plans You Should Know

    For many reasons, it is important for the small business owner to have a retirement plan in place. Here are some options. ...
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