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“What this tool does uniquely is it takes the depersonalized delivery of benefits and really helps the individual determine how best to get the most out of their benefits,” says Voya’s Andrew Frend.
Amid economic uncertainty of the pandemic and following the passage of the SECURE Act, momentum could be building for retirement income in workplace plans.
Early retirement has been a key driver in the decline in labor-force participation due to COVID-19.
An early look at the impact from the economic shutdown was not as bad as feared, while industry insiders see opportunities for advisers and sponsors to talk up the value of retirement and emergency savings.
Early withdrawals from retirement accounts may be unavoidable in today’s economic climate. You can help mitigate the damage.
Americans’ retirement savings are increasingly threatened by disabilities that temporarily keep employees out of work by turning to hardship withdrawals from retirement plans.
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For one, clients will owe taxes still on the distributions, unless they recontribute the money into the account within three years.
These direct payments are intended to provide direct assistance to American taxpayers who have lost wages, jobs or opportunities because of COVID-19. But there is some fine print.
Market volatility brought on by the coronavirus pandemic may present a great time to invest, as many stocks are being sold at bargain prices.
By extending their working years, seniors can see an increase in their Social Security payouts.
In some cases, workers who have received severance pay have the option of investing the money for retirement and other long-term goals.
Older clients are advised to take extra steps to protect their finances as the current crisis may leave them prone to making poor financial decisions.
Clients are advised to minimize spending and tap possible sources of cash and credit, including their tax refund.
“Find ways to generate income,” says one financial planner.
Industry insiders see momentum building for more retirement legislation that could upend the benefits world.
To ensure their investments stretch as long as they live, clients are advised to develop a sustainable withdrawal plan and consider annuities.
Disability insurance offerings can help your employees protect their most valuable asset: their ability to earn an income.
To start, these clients are advised to start saving as early and contribute enough to their 401(k)s to qualify for their employer's matching contribution.
“It is really as important for plans to get people thinking about income rather than just accumulation,” an expert says.
