Miriam Rozen

Industry struggles have meant a raft of changes for planners and their clients.

By now, most advisors have gotten the memo: the long-held conventional wisdom about the 4% rule no longer reigns supreme in the face of longevity projections and predicted long-term stock market returns. But they needn't worry.

Employee Stock Ownership Plans can provide company owners with a long-term exit strategy that offers cash flow, tax advantages and an opportunity to pay back employees.

Some 49% of Americans end up retiring unexpectedly. How do financial planners best help clients in this situation refashion retirement plans?

Though it can often pay to wait, advisors should help clients determine when it makes sense to file earlier for spousal benefits.

Advisors should help their female retiree clients balance their well-placed concerns about longevity with their tolerance for risk.

Advisors warn despite the appeal of quarterly income from energy MLPs, retired clients should proceed with caution because these investments usually make tax-sense only with long-term commitments.

With retirement-aged couples divorcing with ever more frequency, financial planners should be ready to help recently divorced clients adjust their plans for retirement.

With longer lifespans, assuring steady income streams for life means that many retirees will have to invest more aggressively. How are advisors putting those plans into action?

Real estate investing and retirees in the same sentence scares many financial advisors. But one, who teaches such strategies, gives them a green light if clients follow a few of his cautions.

Guaranteed pensions still exist for some lucky retirees; financial planners need to know how help those clients make the best pre- and post-retirement planning decisions to effectively manage the steady income.

Mixing your clients' charitable impulses with your own can have multiple benefits.

Despite declining numbers, defined-benefit plans are in vogue with small business owners and the advisors who serve them.

If you have clients with diminishing mental faculties, you need to know how to protect yourself.

Advisors who host an event to lure the well-heeled often end up being disappointed. Here are six steps to do it right.

Millennials represent $1.5 trillion in purchasing power and they want things the way they want them—if you want their business, you have to change, not them.

Helping clients develop a game plan offers several advantages, says Raymond James' Paula Feinberg at Women Advisors Forum in Dallas.

New software is helping wealth management firms like Morgan Stanley and Raymond James put the ''social" in their advisors' networking.

Including the next generation in a family's charitable activities helps advisors build a relationship.

Culture clash between merging firms can mean the end of even a well-planned deal.