Retirement scan

President Obama has proposed payroll taxes be reshuffled so the portion that pays for the disability fund would be increased by nine-tenths of a percentage point, but Republican lawmakers want changes to address Social Security's overall financial health.

Investors in their 20s and 30s are advised to reduce their stock allocations since they are likely to change jobs and subsequently cash out a part of their accounts.

Retirement savers lose up to 25% of their savings from "leakages," or pre-retirement withdrawals that erode the assets a client will have at retirement, according to a new report.

After your clients get their finances in order, which includes establishing an emergency fund account and maxing out their 401 (k) plans, then they can look to pay off their mortgage.

Less than half of U.S. workers last year had saved even as much as $10,000 for retirement, according to a study, but catching up is still a realistic goal.

A proposed cap would impose a $3.4 million ceiling on retirement plans, although details are still scarce; Plus, mortgage debt threatens boomers' retirement.

Many clients think their workplace retirement plan is not worth it if there is no employer match contribution; Plus, how retirement plans can underestimate inflation

With gas prices declining, clients should rebalance and consider adding energy stocks to their portfolio as a way to buy low and increase stability to their portfolio.

Many non-working spouses are allowed to have an IRA but fail to open this type of account; Plus, suggestions from experts on fixing Social Security.

The National Football League season should remind retirement investors that luck also has a part in investing success aside from the years of preparation and good decisions; Plus, weighing the pros and cons of long-term-care coverage.

Algarve, Portugal, Cuenca, Ecuador, and George Town, Malaysia, are among the 10 places in world where American retirees can get the most for their money; Plus, why investors should think twice before choosing a Roth IRA or Roth 401(k).

Retirees need to carefully consider using robo investment advisors, which could put their investments at risk in the coming years; Plus, what Medicare costs in 2015 and what's covered.

Clients can lengthen their long-term care insurance policy's elimination period, making the coverage more affordable; Plus, deciding whether a Roth or traditional IRA is right for your client.

There are 13 states that subject Social Security benefits to tax; Plus, why investors shouldn't hold an annuity in their Roth IRAs.

Congress should revamp Social Security to ensure that retirees will receive at least 75% of their benefits in case the trust fund is depleted, says a professor.

Bob Kerrey, a former U.S. Senator and governor of Nebraska, says that people who have Social Security as their only source of income need more help: Plus, cheap oil prices won't cause your 401(k) to crash.

New legislation is needed that would include provisions to curb number of fund beneficiaries and enable more of them to return to work; Plus, Calpers not cutting its private equity allocations, but is reducing the managers it works with.

The additional revenue from President Obama's expected proposed tax increase would be used to fund programs to assist the middle-class; Plus, how to help a client who missed employer's matching 401(k) funds.

While underfunded public-pensions have been in the spotlight in recent years, another problem that has not received as much notice is the nearly $1 trillion in unfunded health care liabilities.

Forty years after it was launched, the IRA has turned into a major retirement vehicle, but it is no longer the same as it was when first introduced in 1974; Plus, three smart ways to maximize your Roth IRA.