Employee benefits

Despite recent tax law changes, recharacterizations are still possible and can prove a valuable strategy to correct such missteps.

Waiting too long means clients will miss out on the opportunity to maximize the plan’s full tax benefits.

In some cases, clients are advised to pay off their debt instead of putting money aside to retire.

Younger clients are more savvy consumers who know how to minimize their expenses and are less inclined to spend on material goods, an expert says.

Major repairs are needed to ensure Social Security’s long-term stability, according to an expert.

Clients with children are advised to start saving early in a 529 plan to take advantage of the “tax-free or tax-deferred growth.”

The triple-tax savings and investment vehicle is underutilized, but can help clients save for upcoming healthcare expenses.

With careful planning, they can be among the 72% of U.S. students to get need-based assistance.

The full balance won't belong to them until they are fully vested in their plans — especially if they're receiving an employer match.

There are attractive hedges against rising college tuition costs. But, not every student will benefit.

Buyout amounts are high right now, but there are many other factors to consider when guiding your client to the right choice.

The products provide advantages that “help women build savings faster: tax deferral and generally higher rates than CDs or Treasurys,” an expert says.

The IBD network's AdvicePay integration could help the firm convert more retirement plan business into wealth management clients as it completes a record year for new assets.

Researchers blame the immaturity of the system and poor choices made by those planning to retire.

As the college savings vehicle grows in popularity, regulator up scrutiny of brokerages’ recommendations to clients.

The plans cannot be maximized if clients fail to find ways to minimize costs in retirement.

Funding a Roth account, for example, may not offer upfront tax deductions, but withdrawals are tax-free.

Certain financial moves could push their income above a certain threshold, potentially triggering an income-related monthly adjustment.

How sequence of returns affects retirement portfolio survival.

Raising the assumed age for decumulation to 67 from 65 could dramatically reduce the percentage of families at risk, an expert says.