Social Security Working Retirement Tax: Which Spouse’s Earnings Count?
Working while claiming Social Security may be common but so are complications, which magnify the advisor’s role in providing guidance.
Solving the Issues Caused by Target Date Funds
TDFs make life easier for plan participants but can cause headaches for the fiduciary who is tasked with analyzing the different offerings.
Understanding Deferred Variable Annuities’ Two Phases
Proper handling of the two phases — accumulation and distribution — is essential for maximizing a deferred VAs impact.
529 College Plans and Taxes: The Basics and Then Some
Find out how to decipher the basic IRS rules, though for IRS that means complicated, for 529 college savings plans.
The Long-Term Care Crisis and Life Settlements
A group of regulators has suggested using life settlements to pay for care.
IRA Rollover Traps Lurk Under DOL Fiduciary Rule
Advisors must proceed with caution when discussing a client’s existing retirement assets to comply with the rule or avoid its application entirely.
Retiree Portfolios in the New Normal: The Envelopes Strategy, Pt. 2
Clients will need to undertake a paradigm shift in thinking, redesigning their portfolios to produce predictable income in the “new normal.”
Isn’t It Really a Longevity Crisis?
What we call the retirement crisis is actually the much larger problem of not being prepared to live longer.
Managing Medicare: Tips and Tricks to Minimize Costs
Postretirement health care costs can be huge, but there are steps that can be taken to reduce the cost of Medicare coverage.
Social Security Survivor Benefits: Don’t Just Survive, Maximize
The extra funds overlooked in survivor benefits can mean the difference between living in poverty and relative comfort for many clients.