Employee benefits

Here’s what advisers are suggesting, just in case.

A typically "balanced" portfolio (with 60% in stocks and 40% in bonds) yielded a return of 4% or more just 66% of the time.

As many as 30% of accounts are either abandoned or lost because many providers can no longer locate the account holders.

Advisers and clients may think it doesn't matter which account makes the distribution, as long as the total calculated amount is taken from some account. They are wrong.

Investing in more bonds for a short period is a good strategy for retirement savers to curb the sequence of return risk.

The size of the firm may dictate what will work for advisers and employees.

For a couple details: Part D monthly premiums are often in the $35 to $50 range and higher-income retirees pay more for drug coverage.

Some of the most significant financial planning changes advisers should consider when working with same-sex couples.

Some of the most significant financial planning changes advisers should consider when working with same-sex couples.

Data and a personal touch can net the young client who everyone fears will go to a digital platform.

Data and a personal touch can net the young client who everyone fears will go to a digital platform.

How advisers focus too much on investments.

How advisers focus too much on investments.

The tax benefits of an HSA make those plans a better option to max out first, although contributing just enough to a company plan to get any matching funds should be first.

High front-end fees, complex payouts and a lack of dividend income are among the reasons.

Instead, focus on things as they are today, and the most likely scenario for tomorrow, while remaining flexible enough to accommodate changing circumstances.

Now may be the best time for retirees to make charitable donations, do a Roth conversion, and incur more qualified medical expenses to meet the threshold and qualify for a tax deduction.

Investors should take market volatility as an opportunity to engage in year-end tax planning that includes strategies such as tax-loss harvesting.

Here are key takeaways from a Department of Labor fact sheet.

Changing a Medigap plan during open enrollment could be costly, especially when the switch happens after the initial six-month window.