Retirement planning

It’s extremely tax inefficient to pay off a mortgage using retirement funds

Stocks, bonds and gold are not all that glitters for clients' retirement portfolios.

Your clients can’t afford debt in retirement, which means they can’t afford to retire until their debt is paid off.

Simple approaches to help near-retirees avoid an income shortfall.

Lincoln joins about a dozen companies who either offer or have filed to offer an annuity product that is gaining traction in the market.

Financial planners can get their clients thinking seriously about their retirement by having them incorporate activities and budget-savvy thinking into their current lives.

In the second quarter, fixed annuities experienced highest quarterly sales since 2011, according to data from Morningstar and Beacon Research.

Given the prospect of a 30-year retirement and 3% inflation, even affluent clients may need to continue working past age 65.

In working on retirement plans with your clients, the most vital strategies can be playing defense and protecting them from their own temptations.

Welcome to the biggest issue of Bank Investment Consultant that we've put together in my time here. Fittingly, it's also one of the most important. Last year I proclaimed our annual retirement issue to be the most important of the year. This year, we've packed even more important — and actionable — information into an even bigger volume.

Bank advisors don't have as many options as those in the independent or wirehouse channels when it comes to their own retirement planning. So a few are coming up with innovative ideas.

One of the biggest hurdles to adequate financial preparation is human inertia.

These 20-somethings are just beginning their saving and investing journey and there's no time like the present to get them on the right track.

Three case studies show how advisors are helping their clients meet life's challenges and prepare to live out their sunset years in style.

The demographics mean your book is worth a lot right now. But the tides are about to turn.

With caregivers and family the most common culprits, advisors have become a first line of defense.

Many planning metrics, used forever to craft retirement portfolios, are no longer valid. Here are the new numbers and strategies you'll need when planning for your clients' tomorrows.

Designed to allay your clients' worst fears about aging, these insurance products sometimes come with their own nightmares.

A run-down of the stories in this issue, which includes discussions of the new crop of metrics that will influence your clients' retirement portfolios and the challenges of traditional long-term care insurance.