Are you a gambler, speculator, investor or risk manager?
Clients approaching or already in retirement should be a risk manager who focuses on risk tolerance.
Retirement income
Retirement Plan Adviser of the Year Q&A: Gregg Fine of Gallagher
EBA’s Retirement Plan Adviser of the Year shares why offering a holistic focus on employee and organizational well-being is so important to today’s workforce.
By
Phil Albinus
Benefits Think 5 critical conversations to have before retiring
Setting off on post-work lives requires planning and an honest discussion with loved ones. Here’s how advisers can help start the conversation.
Carla Dearing
Sum180
401(k) investors: As markets and economy surge, some experts fear a downfall
Tax cuts and other policies have stirred a stronger economy, but these results could mean vulnerable financial markets in the foreseeable future.
25 best cities for retirement
Employees who want to stretch their dollars the furthest during their post-work years may want to consider relocating to these places.
How to tap retirement savings without getting hit with a penalty
IRS rules allow clients in certain circumstances to tap their retirement accounts before the age of 59 1/2 without a 10% penalty. But this still should be considered a last resort, an expert says.
The 4% retirement rule is just a starting point
The guideline used a specific set of assumptions: a retirement lasting 30 years with savings in a tax-deferred account and nothing left for heirs. Change just one and your “safe” withdrawal rate may differ.
Retiree tax tip: Tally taxes on Social Security
Retirees will owe taxes for up to 85% of their Social Security benefits if their adjusted gross income plus nontaxable interest exceed a certain threshold.
U.S. pensions among the world’s largest funds
More than one-third of the $18.1 trillion invested globally in pensions are in 133 U.S. funds, including Boeing, AT&T, IBM, General Motors and General Electric.
Why employees who claim Social Security early often live to regret it
A study notes that retirees might be experiencing the “Homer Simpson” mindset, in which they choose immediate gratification without thinking about the long-term consequences.
U.S. pensions among the world’s largest funds
More than one-third of the $18.1 trillion invested globally in pensions are in 133 U.S. funds, including Boeing, AT&T, IBM, General Motors and General Electric.
4 out of 5 workers are making this costly retirement mistake
Among current retirees, the numbers aren't much better: 60% of them have not calculated how much health care costs impact their savings.
Benefits Think How 401(k) automatic features can boost retirement savings
Plan sponsors are modernizing traditional auto-services to boost the financial health of varying employee populations.
Aimee DeCamillo
T. Rowe Price Retirement Plan Services
Washington wants to help workers save more in their 401(k)
Lawmakers are looking to pass the Retirement Enhancement and Savings Act of 2018, which will allow workers to save more while encouraging employers to offer more retirement savings options.
Financial factors to consider when choosing a retirement location
Cost of living is a key consideration, but a retiree’s goals and objectives are also important.
Myth: Life insurance is not taxable
While proceeds from life insurance are not subject to income tax, there are other taxes that will apply. But there are steps to take to avoid those liabilities too.
This tax break could save thousands of dollars a year if you own a home
These property tax deferral programs are available to older homeowners who want to postpone real estate taxes provided they remain living in their home.
Employers have big concerns over retirement. Here’s why.
Plan sponsors are worried their employees will outlive their post-work savings and not be able to pay for healthcare expenses, TIAA research finds.
How to plan (or not) for Social Security in retirement
Most people, particularly younger clients, worry that they will not be able to get their Social Security benefits by the time they retire.
Employers have big concerns over retirement. Here’s why.
Plan sponsors are worried their employees will outlive their post-work savings and not be able to pay for healthcare expenses, TIAA research finds.
