Retirement scan

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.

A study finds that the percentage of older Americans over 75 who take five or more prescription drugs jumped to 47% in 2011 from 24% in 1999; plus, who is exempt from Social Security taxes.

Portfolio simulation shows that the retirement bucket strategy didn't perform well last year, prompting rebalancing to meet living costs; plus, how to get people to delay retirement.

How much should your clients save in their retirement accounts to build a nest egg and yet not be deprived of a good lifestyle; plus, can an ESPP save your client’s retirement?

Advise your clients to choose an annuity they understand and one that offers simplistic solutions; plus three retirement stocks to buy this month.

Clients who want to secure their retirement should learn how to distinguish good debt from bad; plus is the U.S. experiencing a retirement crisis?

Advise your clients to “auto-pilot” their retirement savings for needs in their golden years; plus thinking your clients are spending less after retirement, think again.

Advise clients to maximize the contributions to their IRA, 401(k) and other plans; plus, will a 401(k) keep clients from contributing to a Roth IRA?

Seniors may be exempt if they already hold “creditable” prescription drug coverage; plus, taxes on Social Security can be a costly surprise.

Each type of account has its strengths so clients who can contribute to both will make the most of the benefits; plus, the advantages of downsizing.

The federal government's failure to pass adequate measures to address the looming retirement crisis may prompt states to create their own programs, one researcher writes; plus, can clients have two 401(k) plans at the same time?