Dave Lindorff

Studies show that those who continue working into retirement are healthier, both physically and mentally, than those who quit.

Even those with significant health issues may never need to pay for nursing home care.

Working longer and deferring account withdrawals is a great untapped strategy with no downside.

Delaying retirement and staying in their current job may be the key for clients looking to bolster retirement savings.

Waiting to claim Social Security can result in a number of perks for clients. So why do so many people claim at 62?

Though the time period to make changes has narrowed in some instances, there are situations where Social Security allows a redo.

For married couples deciding when to claim Social Security, "it's all about the survivor benefits," for the higher-earning spouse.

If a client old enough to receive Social Security benefits has dependent children, it could affect the calculus as to when the parent should start collecting benefits

Clients who keep working will see healthy gains in Social Security benefits and other financial perks.

Social Security personnel don't always give full information when clients inquire about benefits

Advisors should include Social Security benefits not just in income calculations, but as an integral part of the bond/annuity portion of clients' portfolios.

Whether a true believer or agnostic, your clients' politics could be worth a fortune.

The more money elderly high-net-worth clients have, the more they may worry that beneficiaries won't use it wisely.

The more money elderly high-net-worth clients have, the more they may worry that beneficiaries won't use it wisely.

Dustin Hellams' job as a credit union advisor on an Air Force base gives him a full gamut of clients—from 19-year-old "kids" away from home for the first time to retirees.

"Clients balk at giving even a close relative a POA that is immediately effective, (but) really, if you are going to trust someone with your finances when you’re incapacitated, you should be able to trust them when you know what’s going on."

State securities officials are drafting a model rule that would provide advisors cover if they delayed a transaction when they suspected the client was the victim of exploitation.

It's critical for advisors to educate clients about potential scams and if possible, put themselves between seniors and possible fraudsters.

As boomers cross the 65 age barrier, they may face elder scams and dementia, but advisors are in a position to help.

By overlooking the federal program, advisors may be skewing asset allocations of their clients' retirement portfolios.