Retirement readiness

The amount that can be transferred is equivalent to the HSA's annual contribution limit, which is $3,400 for singles and $6,750 for couples.

These two accounts are both funded with money that has already been taxed, but there are still important differences that clients need to know.

Advisors are just one tool in the box.

Recent graduates tend to be in a low tax bracket early in their careers when it pays for them to save as much as they can in a Roth IRA or Roth 401(k), writes an industry expert.

The total out-of-pocket health care expenses of a 65-year-old couple in retirement could exceed $320,000, plus 5% annual increases.

Surviving spouses will either receive their own Social Security benefit or the survivor's benefit, whichever is higher. But they also may get pushed to a higher tax bracket, which. in turn, could mean higher taxes on Social Security benefits.

More than 80% of the richest clients want big asset growth later in life, according to a new UBS survey.

If clients are unhappy with any aspect of their life that financial planning will solve, make that the primary focus.

Some advisers are actually embracing changes by making the rules work for them.