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Social Security's negative returns
Payroll tax contributions exceed lifetime benefits for most workers. (Hear Mary Beth Franklin answer advisers' questions on Social Security today at 4 p.m.)
Stop guesstimating, or worse, ignoring, your clients' health care costs in retirement
Software is available that gives advisers a fighting chance of determining long-term care costs and the need for insurance.
Oscars shine light on Alzheimer's costs
Financial advisers can help clients take early steps to plan for the progressive disease.
The art and science of longevity
Advisers' responsibility to make sure their clients are prepared for the challenges and opportunities that come with extended life expectancies.
Social Security rules for divorced public employees
Divorced couples who were married for at least 10 years can claim Social Security benefits on each other's earnings records as if they are still married. But questions may arise when one of the ex-spouses is a public sector employee.Last week, an adviser asked me if her client's Social Security
Testing Social Security 'what if' scenarios
Increasingly, financial advisers are helping their clients realize that when they retire and when they begin to collect Social Security benefits are two separate decisions. Stopping work does not necessarily mean it's time to claim Social Security, particularly if clients can rely on other sources
How to best minimize taxes during retirement
Combine tax-efficient withdrawals and Social Security claiming strategies to improve retirement outcomes.
Obama backs Social Security spousal benefits for same-sex couples
President's $4T budget proposal includes a major change to the Social Security Act that would allow same-sex couples to receive spousal benefits even if they live in states that don't recognize such unions.
Social Security reaches 75th anniversary of first monthly retirement check
Retirement benefits underscore the value of lifetime income, inflation protection.
What Obama's attempt to tax 529 plans says about the safety of Roth IRA assets
Changes could spark revolt, but 'when Congress needs dollars, they're going to get them,' one adviser says.
How to perfectly time your clients' Medicare enrollment
Decisions on Medicare enrollment carry a meaningful financial impact, are closely tied to Social Security choices
Retirement crisis is real and getting worse: Study
More than half of U.S. households don't have enough saved for retirement, Center for American Progress finds.
Two new Social Security books to add to your go-to list
Financial advisers often ask me for recommendations of which books to read to enhance their knowledge of Social Security rules and claiming strategies.I, of course, tell them to start with my ebook "Maximizing Your Clients' Social Security Retirement Benefits". Think of it as the CliffsNotes of
A recipe for future retirement security
When the American College of Financial Services released the results of its first-ever “Retirement Income Literacy Survey” last December, I dutifully reported the astounding results: Just 20% of retirement-age Americans can pass a basic quiz on how to make their nest eggs last throughout
Secrets for successful withdrawal strategies in retirement
Market conditions in early retirement can help predict whether your clients' assets will actually last 30 years.