Retirement scan

Despite the many benefits that IRAs offer, many people do not use them as a retirement saving tool; plus, what parents should know about Social Security.

A number of seniors opt to relocate in retirement to live closer to their adult children and grandchildren; plus, three ETFs to fund a happy retirement.

It doesn't necessarily make sense to pay off student loans early if that means foregoing saving for retirement; plus, how the life-expectancy gap between rich and poor skews Social Security.

Today's young workers can learn from their parents' example on making early sacrifices and managing debt wisely; plus, how clients can save by automating their portfolios.

These are fundamentally different ideas for retirement income planning, but it doesn't need to be an either/or situation; plus considerations for clients looking to work in retirement.

Clients may contribute less than the maximum if they're carrying high-interest debt or need funds for education or a new home; plus, why raising the retirement age is a bad idea.

More retirees would delay Social Security if they had this option, which wouldn't cost the government anything, says a contributor; plus, three questions for nearly retired clients.

Client should consider their life expectancy and get a cash-refund policy so their loved ones can inherit the money in case they die before the payouts start.

Retirees should expect lower returns going forward, but the safety of bonds still warrants a place in their portfolios; plus, considerations before taking Social Security early.

Why some industry experts say long-term interest rates may soon reach historic lows; plus, will change come to the Social Security windfall elimination provision?

Ways the DoL's new fiduciary plan is expected to directly affect advisors; plus, how clients can contribute to a Roth IRA if they're already retired.

The benefits will have no impact on their former spouse's retirement benefits; plus, what clients need to know about their IRAs.

Many young people procrastinate when it comes to saving, which greatly reduces the growth opportunity from compounding; plus, what clients need to know when they inherit an IRA.

Spending in retirement often declines over the years so clients should reduce their withdrawal rates instead of using a fixed approach; plus, the misconception that can sabotage your client's retirement.

Depending on savings, some retirees can buy inflation-adjusted immediate annuities while others are advised to work longer; plus, retirement wishes vs. reality.

Creating a prize-linked saving program is an effective way to encourage more people to save for retirement; plus, how couples can make smart decisions together.

Most people focus on the conventional wisdom that they'll need 70% of pre-retirement income instead of the things they'll need to give up; plus, required minimum distributions and real estate are a tricky combination.

Dollar-cost averaging is not a good strategy for retirement investors to manage risk in their portfolio; plus, a widow's Social Security options.

Clients have the option to invest in an IRA certificate of deposit to save for retirement; plus, the benefits of an HSA over a 401(k).

Clients who want to buy property abroad using assets in their 401(k) or IRA should take steps to make sure funds will be available when they need it; plus, why probability software is unreliable for retirement planning.