Retirement planning

Advisors are increasingly calming clients worried about longevity risk when planning for retirement.

Who will take over the practice when you retire?

As people live longer lives, clients are ever more worried about outliving their assets. Advisors are helping them stay calm about maintaining their lifestyles in retirement.

Industry struggles have meant a raft of changes for planners and their clients.

As longevity increases, advisors must find smart new ways to prepare clients for the cost of an extended retirement.

Pensions and endowments have used liability-driven investing for years, but is it feasible as a retirement income strategy at the individual level?

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.

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.

Reverse mortgage rules have become more stringent but qualified borrowers can benefit from financial flexibility.

Most advisors won't get the price they want from selling their practices -- and don't really want to sell anyway, one study finds.

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.

Should older clients' portfolios be adjusted more quickly to bring equity allocations to their desired level? New research says yes.

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.

Advisors have shifted the focus to thinking about retirement in terms of income strategies rather than purely the accumulation of more assets.

Writing options to increase cash flow might benefit clients who understand both the downside and upside risks.

By using income tax bracket arbitrage, some clients’ families will do better if the tax is paid sooner rather than later.

Survivor benefits have some unique rules that separate them from the rest of the program.

The flexibility and broad selection of a regular investment account could outweigh the tax advantages of a 529 plan for funding higher education.

What clients really need is a smart distribution strategy for their retirement portfolio. Here's how our firm handles it.