Retirement planning

Big changes to regulations and retirement planning could be in the mix following the Democrat’s election victory.

What different outcomes could mean for financial planners and their clients.

The rule has faced a host of criticism from investors, environmentalists, asset managers and others.

With a strong Democratic presidential contender, the risk of both estate and gift hikes beginning as early as 2021 is palpable.

The daughter of a privileged family had everything, until she didn’t. Then the work began.

The legislation would encourage saving earlier by enrolling employees automatically in their company’s 401(k) plan, whenever a new plan is created.

The Secure Act’s “RMD hall pass” for surviving beneficiaries requires deft maneuvering to deal with long-term concerns.

There’s a significant opportunity for advisors to help their non-business clients, earn some new ones — and it can be taken advantage of right now.

The thresholds will all rise, according to the IRS.

While it may seem that there is a high barrier for entry, there are many resources available for advisors who deal with financial services abroad.

More than 130 fund management and financial advisory firms have written letters opposing the plan. And the complaints keep coming.

Both have their allure, but astute advisors can sort out the best choice between low-cost and premium versions.

Some cash-strapped clients with high medical costs could really benefit from making this move.

A recent study suggests sales of "expensive" VAs fell as a result of the vacated rule. But there are other factors at play, writes Raymond James' Scott Stolz.

At the center is a pledge not to increase rates on those making less than $400,000, and that various changes would only impact earnings above the threshold.

It comes as part of “an unprecedented series of extremely low” annual increases, according to an analyst with the nonpartisan Senior Citizens League.

While the contributions aren’t deductible, distributions such as earnings are tax-free to the designated beneficiary if they’re used to pay for qualified disability expenses.

Unlike many digital advisors, Retirable is not offering investment management or targeting millennials.