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Protecting retirement assets from rising taxes
President Obama intends to raise income taxes on the rich, and since earned income is the source of…
It’s prudent not to count on Medicare and Social Security benefits in retirement planning
Two of the primary pillars of retirement security are not just on the ropes, but actually on life support.
Diversity is still king for portfolio protection
Safety and security for retired investors have been overrated, and we need to think differently about these concepts and about diversification.
Keeping clients on track for retirement
For millions of Americans and their advisers, the shrinking value of retirement accounts is the $4 trillion elephant…
Now may be the time to buy that vacation home
Is it time for your retired clients to buy that vacation home they have always wanted? While…
Memo to SEC, DOL: Regulate target date funds — now
With some $2.4 trillion sucked out of retirement accounts since early last year, lawmakers have predictably made the…
Markets offer younger investors a great opportunity
While this bear market may be a real threat to the retirement security of baby boomers, Generations X…
‘Reset’ Social Security and collect more
Consider recommending a little-known option: pushing the reset button on Social Security. This monthly benefit can be increased…
Should you dump mutual funds in favor of ETFs?
While it’s not wise to change your entire mutual fund investment strategy based on recent performance, it may…
Advantages of delaying an application for Social Security
The conventional wisdom is that Social Security benefits are insignificant to anyone who can afford a financial planner,…
A big bear market strategy for retirees
Could the markets really get worse? For retired investors, it’s important to analyze not only where the markets…
Invalid Keogh is a tax trap
The Internal Revenue Service believes tens of thousands of small-business owners and sole proprietors may have invalid Keogh…
What investors can learn from Wall Street’s failures
Here are three important portfolio survival lessons retired investors and their advisers can learn from Wall Street’s failures.
What investors can learn from Wall Street’s failures
What do Wall Street investment banks and retired investors have in common? They both must live off the return on their capital.
Trust wording can avoid big tax bill
Even when it’s done correctly, naming a trust as an IRA beneficiary can create more tax headaches than…
Retirees need a two-pronged strategy to cover health care costs
While many retirees worry about the risks the financial markets pose to their lifestyle, the biggest long-term risk…
Act now on 529 plans
Extremely wealthy clients may see the current stock and real estate markets as a great estate-planning opportunity to…
IRA beneficiary designation can be a trap
Advise clients that the choices they make on their beneficiary forms are more important than they might imagine.
Roth conversion may not make sense for many retirees
While many people have been touting the benefits of Roth IRA conversions, the odds are, many retired investors…
When cashing out of an annuity makes sense
Sometimes cashing out of an annuity can make more sense than doing a tax-free transfer into a new…
