Social Security

Retiree savings are only as safe as the places that hold retirees' personal information, says expert.

Retirees can open health savings accounts, which offer tax breaks on contributions and qualified distributions, and tax-free growth on investments.

Retirees can consider a Roth IRA if they want to leave assets that would not be taxed once inherited.

The IRS is relaxing some rules to make pulling money from retirement plans easier after hurricanes Irma and Harvey, but clients should remember the taxes and penalties associated with withdrawals are unchanged,

Some of these states, however, may not be tax-friendly for retirees.

The average retirement age is 61, with only 4% of seniors working until the age of 70 or older, according to a Gallup survey.

Advisors can protect their clients' retirement savings by allocating their assets across equities, fixed income and cash.

More than half of retirees said they were not at all interested in longevity insurance, according to a recent survey. Surprised? Take a look at some of the other results.

Once advisors have this conversation with clients, it can turn into a powerful referral source, says Rob Kron, head of investment and retirement education at BlackRock.

Each pre-retiree couple is in a unique circumstance, and needs to account for their health and longevity, as well as their willingness and ability to work.