Retirement planning

With many Americans unable to save for post-work life, advisers must be prepared to help.

Focus on the numbers when talking about risk.

Retirees over 65 will no longer be able to contribute to health savings accounts once they file for benefits.

Reducing adjusted gross income might more than offset the loss of an itemized deduction.

Focus on the numbers when talking about risk.

Although millennials like impact investing, those with grandkids may also be on board.

It may not be sexy, but thoroughly reviewing a client’s estimated income and expenses is key.

It may not be sexy, but thoroughly reviewing a client’s estimated income and expenses is key.

Making non-deductible contributions to a traditional account is the first step to a back-door Roth.

Making non-deductible contributions to a traditional account is the first step to a back-door Roth.

Some are better than others, with a few not yet updated for a law that eliminated double dipping.

Some are better than others, with a few not yet updated for a law that eliminated double dipping.

Knowing how and when to withdraw can save clients big in their golden years.

The freedom to choose a more conservative retirement model is predicated on using a lower withdrawal rate.

Beyond risk questionnaires: How clients’ life stages should play a role in portfolio decisions.

Beyond risk questionnaires: How clients’ life stages should play a role in portfolio decisions.

The advice environment for participant rollover choices is muddled as plan providers struggle to gear up for the DOL’s rule.

Although the open enrollment comes in less than two months, seniors are advised to start preparing as soon as they can to save on premiums, co-payments and prescription drugs.

Approaches may differ based on client base and advisory business model.

Approaches may differ based on client base and advisory business model.