Retirement readiness

Advisers may need to devise strategies that work with shaky finances. Here are three realities to consider.

Clients may beg advisers to help them beat the market, but that isn’t a real strategy.

Clients may beg advisers to help them beat the market, but that isn’t a real strategy.

Identify with and listen to those who planned financially, but not emotionally.

Identify with and listen to those who planned financially, but not emotionally.

Unfortunately, life events can affect your clients' retirement savings balance even if they were good savers.

Unfortunately, life events can affect your clients' retirement savings balance even if they were good savers.

Working life can end abruptly and advisers must be ready to offer guidance.

Working life can end abruptly and advisers must be ready to offer guidance.

These methods can help you build client portfolios while also reducing tax costs

Collective investment trusts have been gaining popularity as an alternative to mutual funds.

Collective investment trusts have been gaining popularity as an alternative to mutual funds.

The best way to cut the tax bill is to pull from a variety of income sources.

Suggesting the rule of thumb of cutting expenses by 30% may not go over well.

The best way to cut the tax bill is to pull from a variety of income sources.

This could help explain to clients why most should probably wait until 70 to collect benefits.