About That Roth Conversion Cure: Watch the Side Effect
Clients may understand the tax benefits of a Roth conversion, but not how the resulting higher income can lead to an increase in Medicare premiums.
Annuities Are Neither Good nor Bad — as Long as Clients Come First
We’ve been following for years the debate around whether variable annuities are a key part of retirement planning.
Inequality in Our Retirement Accounts
While we are debating income inequality, we should also be thinking about retirement inequality. Perhaps most vulnerable are the millennials.
Managing the Variables in a Variable Annuity Exchange
A variable annuity exchange is typically tax-free but hidden risks exist, and watch for the DOL fiduciary rule’s take on VA sales.
Coping With America’s Coming Cognitive Decline
Cognitive function really starts to go downhill for people in their 70s, and the eldest of the baby boomers will start turning 70 in January.
The Inherited Roth Rollover: How to Avoid Unpleasant Surprises
The rules on rolling over inherited retirement funds into an inherited Roth IRA are complicated, lawyers Robert Bloink and William Byrnes warn.
Reverse Mortgages for Retired Clients: Does the Strategy Fit?
This tool should only be used in very specific situations — giving the advisor a critical role in guiding clients on when and how.
QLACs Can Simplify the Retirement Income Planning Game
Qualified longevity annuity contracts (QLACs) can play an important role for middle-market clients in retirement income planning.
I Moved My Retirement Money and Lived to Tell About It
Here's what happened when Bloomberg's Ben Steverman tried to roll a 401(k) at a former employer’s plan into an IRA.
RMDs From Client IRAs: An Unconventional ESA Funding Tool
Required minimum distributions can seem like a burden to some clients by increasing their tax liability. One solution: funneling RMDs into an education savings account.