Retirement benefits

Clients are likely to overlook the possibility of portfolio failure, unexpected financial responsibility and health issues.

The U.S. ranks poorly among 14 developed nations, with U.S. females having the shortest life spans and U.S. males the second shortest.

Even when they have a retirement plan, it is likely to be astronomically more expensive than those offered by large companies.

The one-size-fits-all approach may not suit everyone as circumstances vary. Investors may consider a managed account, plus a robo, which is an inexpensive alternative.

The 401(k) and IRA rollover business is going through its own phase of disruption.

The amount a client gets back from the government can go right into an IRA for added benefits now and in the future. Plus, keep a parent's savings alive, even if they're not.

With the full retirement age increased, the advantages of waiting until age 70 have been somewhat diminished.

Proponents of defined-contribution plans envisioned them as supplements to defined benefit plans; they didn't anticipate that 401(k)s would largely replace pensions.

Here's how clients can get around income limits and continue making contributions. Plus, tips for updating a client's financial plan now and dramatically increasing wealth after the IRS gets paid.

On average, workers in 2015 put 6.8% of their salaries into 401(k) and profit-sharing plans, according to a recent survey.

There are limits to how much clients can contribute — exceeding these thresholds can result in costly penalties.

Why advisers should use age-banding to plan for retirees’ spending levels to flex and adjust.

92% of 401(k) participants are unaware of the fees they pay in their plans, creating the potential to lose a substantial amount of retirement savings

Retirees can hear different perspectives from other patients and learn more about their medical conditions.

Many Americans are facing bleak retirement prospects as a result of the current do-it-yourself retirement system.

It's not too late to help clients improve their tax situation for 2016 and beyond.

Many pension plans are facing financial woes, with many of them reducing pension payouts to their beneficiaries.

Clients who want to reduce their expenses during retirement may want to move to a state that doesn’t tax these government benefits.

Underestimating longevity is one of the blunders that clients should be careful not to make.

Clients should consider switching to a Roth IRA or Roth 401(k) as investment growth and distributions are not subject to tax.