401(k)

The $3 billion marriage of robo and radio advice has some expecting more deals and pressure on RIAs to increase focus on scale and deliver a better digital customer experience.

Edelman expects to see a wave of similar RIA-robo pairings, pushed by consumer demand for cheaper, unconflicted online services.

The hybrid advice platform is teaming up with benefits firm Alight Solutions and asset manager AllianceBernstein to bundle its digital tools with retirement portfolios.

Clients should determine the benefits they would receive if they file at age 62, at full retirement age, and after their full retirement age.

More than 25 million workers resigned and left at least one retirement account with their former employer between 2004 and 2013, according to the U.S. Government Accountability Office.

In a stunning all-cash deal, every RIA is put on notice that the future is in digital wealth management.

The differences generally come down to investor eligibility and when taxes are paid, but that can have a significant impact.

Although annuities incur taxes and costs, clients "can invest the same amount into a diversified municipal bond portfolio and pay no taxes,” an expert says.

Clients have to change their retirement goals and strategies over the years, starting off heavily in stock allocation while in their 30s.

Clients who think they have lost their retirement assets are advised to seek help from the Labor Department or nonprofit pension counseling centers funded by the Department of Health and Human Services.