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Larry Sher is a partner in the New York office of October Three. He has been a pension actuary for over 35 years, specializing in cash balance and other innovative retirement plans. Larry is a highly … Read full bio
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A wide range of employers are expressing a greater desire to measure risk, achieve more predictable retirement benefit costs, and retain top talent.
At face-value, HSAs are for short-term medical expenses, but advisors suggest paying out of pocket to maximize HSA funds for investing and tax-free growth.
With concerns growing about outliving savings, more companies say retirement plans should deliver predictable income, not just a large balance at the finish line.
The focus of retirement planning is shifting, according to Morningstar experts, moving away from simple saving toward bespoke decumulation strategies and guaranteed lifetime income solutions.
Alternatives to costly standalone long-term care insurance include hybrid life policies with an LTC rider, extended premium payment periods and annuities.
