Retirement planning

Clients are advised place a deeper focus on their life goals when developing a strategy to retire.

If they fear a sharp downturn, seniors may want to avoid locking up their retirement accounts in long-term bonds.

Seniors who negotiate for such an arrangement should consider their finances, flexibility and mutual benefits.

To correctly identify their risk tolerance, clients must not only understand how to react to risk, but also how the market environment and investment experience have impacted them.

Underestimating their needs, many make decisions that are suboptimal or worse.

Age discrimination, unpredictable life shocks and involuntary retirement casts serious doubt on the “work longer” thesis.

Advisors may need to alert clients as to when these checks will be taxable.

Clients adding investments other than target-date funds to their 401(k) or 403(b) could potentially hurt their bottom line.

With the net unrealized appreciation, workers can roll some employer stock into a taxable brokerage plan.

Do your clients have their ducks in a row?

“The big issue here is being able to maintain your standard of living,” an expert says.

The next generation can assist loved ones with applying for financial assistance, reducing expenses and developing a financial plan.

Unmarried siblings who cover more than half of their parents' expenses are advised to use the head of household filing status.

Many pin the blame on stagnant or dwindling income, according to a new survey.

Aside from cutting spending and contributing to a Roth account, investors are also advised to sock away at least 10% of their annual earnings.

Plus, the average employee contribution rate reached 8.8% in the second quarter, up a full percentage point from a decade ago.

The Anthony Bunnell addition comes amid expansion of the firm’s its retirement plan business this year.

Clients are advised to consider delaying their Social Security benefits, as up to 85% will be subject to income taxes, an expert says.

Retirement savers stand to lose more from the panic-driven selloff that comes before a recession than the actual market downturn itself, writes an expert.