Retirement readiness

The claiming process has become more complex. Here's how these programs can cut through the clutter.

In about 30% of large companies, seniors can opt to work part-time or engage in job sharing with co-workers.

By educating themselves and clients about these possibilities, advisers can diffuse some retirement planning worries.

These planning strategies can prevent beneficiaries from biting off too much — or too little.

Plan sponsors are open to the addition, but most participants aren’t taking advantage of it.

Advisers must be well-versed in the intricate rules and options that are available.

Clients can avoid paying taxes as long as they keep working past the age of 70 1/2.

Clients can avoid paying taxes as long as they keep working past the age of 70 1/2.

Many advisers have been suggesting saving too much, at the cost of living frugally before retiring.

Many advisers have been suggesting saving too much, at the cost of living frugally before retiring.

About one in four U.S. employees say they won’t be able to retire until after 70, and 5% think they'll never be able to retire, according to a survey.

With many Americans unable to save for post-work life, advisers must be prepared to help.

With many Americans unable to save for post-work life, advisers must be prepared to help.

Reducing adjusted gross income might more than offset the loss of an itemized deduction.

Focus on the numbers when talking about risk.

Focus on the numbers when talking about risk.

Although millennials like impact investing, those with grandkids may also be on board.

Taxes are the top expense that seniors don't plan for enough, but dental costs and hearing aids are also on the list.

It may not be sexy, but thoroughly reviewing a client’s estimated income and expenses is key.