Retirement scan

If they fear a sharp downturn, seniors may want to avoid locking up their retirement accounts in long-term bonds.

Seniors who negotiate for such an arrangement should consider their finances, flexibility and mutual benefits.

To correctly identify their risk tolerance, clients must not only understand how to react to risk, but also how the market environment and investment experience have impacted them.

Underestimating their needs, many make decisions that are suboptimal or worse.

Age discrimination, unpredictable life shocks and involuntary retirement casts serious doubt on the “work longer” thesis.

Clients adding investments other than target-date funds to their 401(k) or 403(b) could potentially hurt their bottom line.

To make the most of their savings, workers should start funding their accounts as early as possible.

Do your clients have their ducks in a row?

“The big issue here is being able to maintain your standard of living,” an expert says.

The next generation can assist loved ones with applying for financial assistance, reducing expenses and developing a financial plan.

The more involved in designing a comprehensive plan alongside an advisor, the better prepared couples will be, an expert says.

Many clients are “denying themselves today for fear of what could happen tomorrow,” an expert says.

Many pin the blame on stagnant or dwindling income, according to a new survey.

Aside from cutting spending and contributing to a Roth account, investors are also advised to sock away at least 10% of their annual earnings.

These clients will need bigger savings than other age groups to fund a longer retirement horizon, according to a study.

Retirement savers stand to lose more from the panic-driven selloff that comes before a recession than the actual market downturn itself, writes an expert.

Clients who outlive their retirement savings are among those most at risk.

The cost of health care before retirement is inherently more volatile than after, according to an expert.

Depending on where they live, retirees can expect their six-figure savings to last more than two decades, data shows.

Seniors are advised to combine multiple tax-deferred accounts, such as traditional IRAs and 401(k)s.