Retirement planning

While the 4% rule was created to set a minimum income floor, that doesn't mean spending can never be raised. Here's a better approach to withdrawal rates.

Sometimes it makes sense for clients to collect Social Security before full retirement age, even if it temporarily reduces benefits.

Waiting for Social Security until age 70 can provide the surviving spouse with plumper payments.

Why timing is important for clients filing for Social Security; Plus, how to decide whether your client should invest in a 401(k) or a Roth IRA.

There's no doubt that professional long-term care is expensive and getting more so, but relying on family to provide care can still cost clients a fortune.

While raising the tax rate could help address Social Security's funding imbalance, there are other ways to shore up the program; Plus, when $1.5 million isn't enough to retire.

Planners should dispel these common misconceptions so that clients can make better-informed decisions.

Advisors and clients may not be as familiar with these other Social Security programs. Here's a brief primer.

Though the time period to make changes has narrowed in some instances, there are situations where Social Security allows a redo.

Critics charge that the fiduciary proposal will be a death knell for the brokerage model in the retirement space, leaving low- and middle-income investors without advice.

Potential regulatory legislation may soon restrict strategies surrounding the backdoor Roth IRA; plus, how to retire on $25,600 a year and why most clients can’t even guess what their Social Security benefits will be.

For married couples deciding when to claim Social Security, "it's all about the survivor benefits," for the higher-earning spouse.

Clients can have their cake (maximum payouts) and icing (years of spousal benefits) too.

For some seniors, reducing adjusted gross income generates an extra tax break.

Women over the age of 65 are twice as likely as men to live in poverty in retirement because of lower wages, more time spent out of the workforce and lack of access to retirement savings plans.

Ways your elderly clients can avoid becoming the victim of a scam; plus, what you need to know about Social Security benefits and what to do if your clients' 401(k) stinks.

If a client old enough to receive Social Security benefits has dependent children, it could affect the calculus as to when the parent should start collecting benefits

Clients who keep working will see healthy gains in Social Security benefits and other financial perks.

When clients must take required minimum distributions after age 70?½, payouts can provide monthly cash flow.

How clients might benefit from putting a hold on certain retirement strategies; plus, tailoring retirement plans to small businesses and tips to reduce all that IRA paperwork.