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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.
August 29 -
Pensions and endowments have used liability-driven investing for years, but is it feasible as a retirement income strategy at the individual level?
August 29 -
Adding some guaranteed income to a portfolio drawdown strategy can provide longevity insurance, but there can be downsides to including annuities in a retirement plan.
August 28 -
Reverse mortgage rules have become more stringent but qualified borrowers can benefit from financial flexibility.
August 27 -
IUL policies, which are linked to a market index but promise not to lose any money if the market goes down, might be a way to protect portfolios while offering tax-free income for retirement.
August 26 -
Advisors today are realizing they have to be flexible, saying that they are just as apt to recommend a number lower or higher than 4% to clients as an appropriate withdrawal rate. And some are using means completely different to set rates.
August 25 -
Most advisors target pre-retiree clients, but it is possible to build a thriving practice in the retirement income planning market even after clients stop working.
August 22 -
Naming a spouse as the IRA beneficiary is often the default choice and has several advantages. However, other concerns might outweigh the benefits of a spousal rollover.
August 22 -
Advisors have shifted the focus to thinking about retirement in terms of income strategies rather than purely the accumulation of more assets.
August 22 -
While an advisor's job is to protect and hopefully grow his clients' assets, protection by use of liability insurance is another important component of retirement planning.
August 21 -
Writing options to increase cash flow might benefit clients who understand both the downside and upside risks.
August 20 -
By using income tax bracket arbitrage, some clients’ families will do better if the tax is paid sooner rather than later.
August 19 -
The flexibility and broad selection of a regular investment account could outweigh the tax advantages of a 529 plan for funding higher education.
August 18 -
With inflation so low for so long, have you considered the dangers of even modest increases to clients' portfolios?
August 15 -
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.
August 15 -
Maintaining adequate reserves of spending cash can ease retirees’ concerns about periodic volatility.
August 15 -
Some 49% of Americans end up retiring unexpectedly. How do financial planners best help clients in this situation refashion retirement plans?
August 14 -
Stocks with significant yields can offer upside potential plus tax advantages at all ages and income levels.
August 13 -
Though it can often pay to wait, advisors should help clients determine when it makes sense to file earlier for spousal benefits.
August 12 -
Variable annuities held by clients might not need to be annuitized to deliver cash flow.
August 11 -
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.
August 8 -
Advisors should help their female retiree clients balance their well-placed concerns about longevity with their tolerance for risk.
August 8 -
For advisors and their boomer and retiree clients, the new rules from Treasury could be a game changer for how they allocate 401(k) and IRA assets going forward.
August 8 -
With retirement-aged couples divorcing with ever more frequency, financial planners should be ready to help recently divorced clients adjust their plans for retirement.
August 7 -
As more people work after they consider themselves retired, planning for retirement income becomes even more multi-faceted.
August 6 -
Beyond an increase in benefits, another compelling reason for clients to delay claiming Social Security benefits is the potential tax savings.
August 5 -
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?
August 4 -
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.
August 1 -
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.
August 1 -
A Roth conversion that increases reported income might also decrease health insurance premium tax credit and thus bumping up the cost of the conversion.
August 1