Maximizing Retirement Benefits of Spousal IRAs for Non-Working Spouses
Retirement income planning for non-working client spouses can be more involved, but done right, a spousal IRA benefits both spouses.
Rating the 401(k) of the Fund Rater
Employers that fill their retirement plans with active fund managers encourage the kind of bad investor choices that lead to underperformance.
A Great (and Impossible) Plan to Fix Retirement
Economist Teresa Ghilarducci’s plan to fix the retirement crisis is to figure out what’s needed, and work backward from there.
Court Clears Path for Medicaid-Compliant Short-Term Annuities
An appeals court ruling provides some clarity on when short-term annuities can be used for long-term care expenses.
Roth IRA Conversions: Silver Lining to Market Downturns
Paying attention to market swings can allow your clients to take advantage of benefits that, in some cases, can only be produced by careful timing.
In-Plan Roth Accounts: What Advisors Need to Know
Understanding the differences between in-plan Roth accounts and traditional Roth IRAs is increasingly important for advisors.
Dodging Steep Penalties in Retiree-Only HRA Design
Worried about the Cadillac tax? ACA provisions have limited health reimbursement arrangements, but these vehicles may yet be important for employers.
Avoiding Pre-Retirement Rollover Traps: The Pro Rata Rule
Roth conversions and 401(k)-to-IRA rollovers often do not mix, especially in the same year.
IUL: A Nontraditional Way to Allocate Retirement Assets
Indexed universal life insurance (IUL) can combine the risk protection elements of bonds with equity market participation and access to tax-free cash later in retirement.
Minimizing Excess Roth IRA Contribution Penalties
Clients have options when they mistakenly contribute to a Roth IRA, but timing matters.