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Making tough decisions to fix Social Security
A new policy simulation tool lets users design their own package of reforms to fully fund Social Security. If individual users can make these tough decisions, why can't elected officials?
Don't monkey around with IRAs
The tax reform proposal put forward by Rep. Dave Camp, departing chairman of the House Ways and Means Committee, has many good features, but it has one really bad one: the proposal to eliminate tax-deductible
Mary Beth Franklin: Budget raises questions about fate of claiming strategies
Unclear if and when proposed change might take effect, still more vague about what strategies would be affected.
More Americans renouncing citizenship
But declaring 'independence' comes with hefty taxes – which trusts can help curb.
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.
What a fee policy statement really needs
The devil is in the details when it comes to making sure retirement plan advisers are not at risk of a regulatory breach
4% withdrawal rate in retirement unrealistic in real world, researchers say
New paper suggests flexibility around withdrawal rates, asset allocations is a better approach.
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.
The latest annuity innovation: Contracts with structured products
A new annuity product intended to buffer clients' account values against downside losses is starting to gain interest. Will it catch on across the industry? Plus: Our full Annuities Special Report
Indexed annuities gain popularity while rates remain low
Indexed annuities, long the black sheep of retirement products, are enjoying a wave of popularity among financial advisers grappling with low interest rates.
Millennial investors shun stocks, survey says
Challenge for advisers working with these clients is to warm them up to risk.
Explore your opportunities and be informed for your next move.
February 27, 2014