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.
Maximizing Health Savings: HSA or FSA?
As out-of-pocket health-related expenses rise, finding a tax-preferred funding method has become critical. So, health savings accounts or flexible spending accounts? Or both?
A Pension Fund Comes to Its Senses
San Diego County's pension board has fired its outside pension-fund manager, Salient Partners, for its high leverage and costs and poor performance. There's a lesson here.
Pros and Cons of the Longevity Annuity Contract
Many clients, and advisors, remain on the fence as to QLACs’ role in clients’ retirement plans.
Post-Merger Tech Integration Doesn’t Have to Be Painful
Technology should not make or break a potential merger, but integration, compliance and liability issues should certainly be part of the discussions.
The Case for Skipping the 401(k)-to-IRA Rollover
There are important scenarios in which an IRA rollover is not the best move when changing employers.
College Savings Demystified: The Devil Is in the Details
College tuition presents one of your clients’ largest pre-retirement expenses, so be prepared for the detailed situations that will round out their individual funding scenarios.
Finance Has Caught On to Behavioral Economics
The next time some macroeconomist tells you that behavioral economics is passé, tell them that behavioral finance is alive and well.