Risk

Advisers should ask key questions to best estimate how much retirement savings is really needed

Even after Congress phased out two popular claiming strategies, you should remind clients they can increase their benefits simply by being patient.

Modern advisers have much to learn from Blaise Pascal and his influential insights on taking chances.

A trusted adviser’s job is to construct an appropriate asset allocation, identify all risks and tailor custom solutions.

Advisors are now helping clients think about living to 100 and beyond.

As clients live longer than ever anticipated, advisors face new challenges in helping them prepare for the future.

Many seniors will rely on Medicaid to help pay the bills. Here's how advisors can help such clients protect their assets while still relying on Medicaid to cover long-term care expenses.

Wealthy retirees can self-insure for long-term care needs, while poor retirees' can lean on Medicaid. But what about middle class clients?

There are two main options to consider. Make sure you understand the pros and cons of both.

While long-term care insurance can be a good way to protect your clients’ assets, the coverage can cost an arm and a leg. Spousal sharing is one strategy to consider to help reduce the cost.

Most seniors want to stay in their homes rather than move to an institution. But as elder care costs climb, what choice will make the most financial sense for you clients?

Recommending long-term care policies used to be a given, but rising premiums and diminishing benefits have many advisors rethinking their value.

When it comes to long-term care policies, your women clients are at a distinct disadvantage. Here's what advisors need to know.

Rates for long-term care policies have risen 4.8% on average during the past 2 years. Your clients have five ways to respond, but not all are smart.

While the traditional way of gauging a client’s tolerance for risk is typically determined using a basic questionnaire, there’s another method that’s just as – if not more – reliable.