3 Communication Secrets From the 'Bucket Plan' Man
Jason L. Smith has registered the phrase, but you can segment clients' risk, too.
After-Tax 401(k) Contributions: How Do They Stack Up?
Most clients don’t fully understand the rules governing after-tax contributions and may mistakenly be equating this option with the Roth option.
4 Basic Retirement Income Risks to Manage
There are plenty of things your clients can worry about. Here’s what they must worry about.
When Should Small Businesses Convert SEPs to 401(k)s?
Some small business owners may have started out with a SEP IRA for convenience, but circumstances change.
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.
Tackling 'Nastiest, Hardest Problem in Finance'
William Sharpe hopes future financial engineers will take his new income planning web book and run with it.
Are IOVAs the Future of Variable Annuities?
While VA sales have slumped, one type attracts clients who are set on increasing tax-deferred savings in pre-retirement years.
The wildcard of retirement planning: health care expenses
If you’re not now accounting for health care expenses in your retirement planning recommendations, you should be, says Edward Jones' Scott Thoma.
Who’s Tracking IRA Basis? Enter the Advisor
Rollovers, conversions, nondeductible contributions and inherited accounts can all impact how distributions are taxed.
Retirement Planning's Hard Reality: Savings Trump Returns
Sorry, but pipe dreams and unicorns don’t actually exist, although the lottery is an option. I’m kidding about the lottery part.