Is your client really ready to retire?
Seniors should not only have a financial plan in place, but activities to keep them preoccupied.
Risk
Social Security is millions of retirees’ main income source. That’s a problem.
The program could see benefit cuts and undergo significant changes in the future, and this poses a problem for seniors who depend on it for their main source of retirement income.
Can bonds disrupt your retirement?
The "Rule of 100" follows the rule-of-thumb of growing more conservative as investors grow older, but it also may be obsolete since it was developed when interest rates were higher.
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.
The best way to save for retirement may be to not think about it
Plan design features like automatic enrollment and automatic increases are having a positive impact. Such steps are designed to increase participation even from people who may be suffering from inertia, says a researcher.
Doing this one thing could make you a better investor — and it’s free
One particular lifestyle choice can have real-world consequences for your client's retirement portfolio.
How part-time work in retirement can affect Social Security taxes and Medicare costs
Up to 85% of retirement benefits might be taxed if their combined income exceeds a certain threshold.
Half of Americans see market swings as opportunities to cash in
Although volatile markets mean opportunities for some investors, most clients will be better off ignoring market corrections if they are investing for the long term.
Employees are probably going to live longer — can they afford it?
People are expected to have a longer life span, and this could pose a challenge in that it will require bigger nest eggs for retirement.
4 things keeping workers from retirement savings (and how to fix them)
Many employees may not be able to have a comfortable life in their golden years because they carry a hefty credit card debt into retirement
401(k) retirement balances exceed expectations
New data shows that the average account balance broke records after increasing to $99,900 in the third quarter.
Help workers avoid a Medicare trap that could increase taxes
Under the rules, seniors face a tax liability for HSA contributions if they carry health coverage other than the high-deductible policy.
Roth 401(k) plans not fully appreciated by many workers
The Roth 401(k) is more flexible than a Roth IRA, and it is funded with after-tax dollars, which can help "diffuse the potential tax bomb."
Roth 401(k) plans not fully appreciated by many clients
The Roth 401(k) is more flexible than a Roth IRA, and it is funded with after-tax dollars, which can help "diffuse the potential tax bomb."
How investors sabotage their portfolios
Retirement savers sometimes make investing decisions that can hurt their portfolios if they are not aware of their tolerance level to risk.
Canada reaches agreement on expanding national pension plan
The expanded Canada Pension Plan is aimed at countering dwindling workplace pension access for younger generations pinched by a weak economy and soaring home prices.
