Retirement planning

Spousal election to treat an IRA inherited from a deceased spouse as the surviving spouse's own IRA may not be made until after the death of the first spouse; Plus, Some Americans leave tens of thousands of Social Security benefits on the table.

If there are subsequent rate hikes in the coming years, clients will feel an effect; Plus, why falling gold and oil prices shouldn't be a concern for older clients.

Clients who have $30,000 in student loan debt would have missed as much as $325,000 in investment opportunities in their 401(k) plans; Plus, the one money move to make before the end of the year.

Setting aside 15% of income for retirement may not be enough to build a nest egg that is adequate to cover living and other costs in the golden years; Plus, why investors should say no to universal life insurance as a retirement fund.

A proposal to require the Labor Department to respond to the volumes of comment it received on the proposal would create a delay that fiduciary advocates say would run out the clock on a vital consumer protection.

Nothing in the 401(k) plan market changes overnight and some caution that while robos may have a valuable role to play in helping prepare employees for retirement, employers need to do their due diligence.

Seniors are advised to work longer and retain their equity investments to help their portfolios keep up with inflation; Plus, why retirees are moving again.

It bears paying attention in the coming year as to what inroads digital-first firms can make into the DC space.

Inflation is just one of the risks that annuity investors face since higher prices could lower the purchasing power of annuity payments; Plus, changing strategies for Social Security.

Similar to mutual funds, but for a fraction of the price, collective investment trusts can make a big difference to a portfolio.