Retirement & Insurance
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Workers pay little attention to 401(k) fee disclosures
According to advisers and recent data from Limra, workers seem to be doing precisely what they would be expected to do with 20-page disclosure documents: Tossing them in the circular file.
Will older advisers pay more than younger colleagues for health care coverage?
Small-business health care plans traditionally have based rates on the average age of employees, so that older individuals in a plan benefited from lower rates if there were many younger employees.
Social Security's rearview mirror: Retroactive benefits
How to maximize Social Security benefits for a married couple, both of whom turned 66 in January 2013, and are just now filing.
New strategy for equity investing during retirement ignites debate
A new paper by Wade D. Pfau and Michael Kitces turns conventional retirement income strategy on its head.
Ready or not? Surveys conflict on Americans' retirement preparedness
Are Americans ready for retirement or not? Depends on whether you are an optimist or pessimist — new studies point to either yes or no. But according to two advisers, most people still have work to do.
Advisers help clients prepare for sharp decline in pension benefits
For advisers working with clients in Detroit and Ilinois, preparing for a sharp cut in pension benefits — and a smaller income stream — is a centerpiece of retirement planning.
Sometimes life is not fair – and neither is Social Security
A financial adviser's divorced mother will receive a small Social Security benefit. Meanwhile, her ex-husband's second family will receive far more.
How to hedge bets when claiming Social Security
The file-and-suspend strategy offers an added benefit: It can serve as an insurance policy if you change your mind and decide not to delay your benefits after all.
How long must clients be married to collect Social Security on each other? It depends
Rules differ for those currently married, widows/widowers and the divorced.
LPL signs deal with Millennium Trust for rollover leads
LPL service will allow retirement plan sponsors to shed participants who can't be located or who are nonresponsive.
Make sure clients road-test retirement
As baby boomers ap-proach retirement, they're likely to feel excited or afraid, or perhaps a bit of both. It's natural to have a range of emotions at such a significant point in life. Having the freedom from alarm clocks and meetings, and more time to pursue personal interests on a daily basis, is
A little flexibility goes a long way with trusts
When setting up trusts, strike a balance between considering future changes and setting clear parameters to prevent abuse
How returning to work affects Social Security benefits
I received a great question from a reader today asking how his Social Security retirement benefits might be affected if he returns to work next year.
Last-minute tips for Medicare annual enrollment
People who want to switch their Medicare coverage for 2014 have just a few weeks left in the annual open enrollment period, which ends Dec. 7. The choices can be overwhelming, but there are practical steps your clients can take now to make sure they have appropriate and affordable health care
How to get clients to retire in (21st-century) style
Retirement has become a goal for the uninspired. When it comes to retirement planning, practice management expert Wayne Badorf and chief portfolio strategist Brian Jacobsen, both with Wells Fargo Asset Management, say it's time for the financial advice industry to wake up and smell the roses … and
- Facebook's five-star ratings: The end of business pages for advisers?
- Pimco's El-Erian to step in to shore up $3B multi-asset fund
- Rebound in gold suits big guns Paulson, Soros
- New 3.8% surtax means new tax strategies for business owners
- Mountain of money in nontraded REITs continues to hold Wall Street's attention
Explore your opportunities and be informed for your next move.
Blaine Aikin CEO, fi360
Timothy Welsh, CFP President and Founder, Nexus Strategy, LLC
Justin Wisz Co-Founder & CEO, Vestorly