Retirement & Insurance
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Getting the most from Social Security benefits
The first rule: If possible, don't file before 66. Second rule: If you can, file and suspend.
Age gap can thwart couples' Social Security-claiming strategies
Do you ever feel like your clients are asking you to be a magician, pulling an optimum retirement income strategy out of your hat? A coordinated Social Security-claiming strategy can act as a magic wand for some couples, allowing an older, higher-earning spouse to file and suspend in order to
The next level of retirement plan service: Fee policy statements for 401(k)s
The next level of retirement plan service and risk management is here: establishing fee policy statements for 401(k) plans. Financial advisers who specialize in retirement plans are finding new ways to distinguish themselves from their competitors, upping the ante in service. Specifically, they're
Navigating 401(k) rollovers
For investment advisers, providing guidance to retirement plan participants about moving money from an employer-sponsored plan to other investment vehicles is like swimming in murky waters.
Advisers' role in target date funds grows more complex
From their humble beginnings more than two decades ago with the 1993 launch of Barclays Global Investors' LifePath Portfolios, target date funds are rapidly taking over the defined-contribution world.
Risks lurk in annual 401(k) matches
As more employers switch to lump sum contributions, clients may miss out on market rallies.
Duration of marriage and divorce affect Social Security benefits
Regular readers of my InvestmentNews column know that to qualify for Social Security benefits on an ex-spouse's earnings record, the marriage has to have lasted at least 10 years, both of the former spouses must be at least 62 years old and the claimant must remain unmarried to collect benefits on
Republican tax plan would hit Wall Street hard
Dave Camp, the Republican House Ways and Means Committee chairman, is filling in the blanks in his plan to revamp the U.S. tax code and leaning on the financial industry to help pay for lower tax rates.
The horsepower behind 401(k) plans: A specialist adviser
Employers are turning to a new kind of adviser to help their employees save for retirement, a new survey shows.
Who's most ready for retirement? Not Americans
New retirees are scrambling to get by in one of the least retirement-friendly countries in the developed world.
Rate-of-return analysis shows value of delaying Social Security
Mary Beth Franklin says that the higher-earning spouse should maximize benefits.
Senate committee faults Credit Suisse over tax dodgers
A Senate committee report will reprimand Credit Suisse Group AG for helping American clients dodge taxes and will criticize the Justice Department for not pursuing offshore banks aggressively enough, according to two people with knowledge of the findings.
Should clients carry a mortgage into retirement?
Everyone knows one of the great benefits of home ownership is the tax advantages that come with the ability to deduct mortgage interest and property taxes. In the past, it was common for Americans to buy a house, stay put for 30 years, and retire their mortgage before they retired from the
Millennial investors shun stocks, survey says
Challenge for advisers working with these clients is to warm them up to risk.
Michael Jackson vs. IRS: Thriller battle over value of the estate
For rich and famous clients (like the late Michael Jackson), careful planning is needed to keep the Tax Man from plundering the estate.
- Regulators have an uphill battle to bring transparency to illiquid investments
- Merger of Nicholas Schorsch's American Realty Capital Properties and Cole Real Estate Investments closes
- Schwab's all-ETF 401(k) platform revs up competition
- Social media as a pathway to new clients
- New ETFs are hedged against credit and interest rate risk
Explore your opportunities and be informed for your next move.
Kim Dellarocca Head of Segment Marketing and Practice Management, Pershing
Ryan Reineke SVP, Operations and Technology, Cambridge Investment Research