Income Planning
Learn what experts and top advisors say about the best ways to work with clients to determine and build successful retirement income plans.
Want to Add 130 Bps to Your Clients’ 401(k) Returns? Educate Them
By James J. GreenA National Bureau of Economic Research working paper has found that investors who are the most financially knowledgeable earn 130 basis points more in risk-adjusted annual returns in their DC retirement plans than their less sophisticated peers.
June 27, 2014
How to Fix Social Security Claiming Mistakes by ClientsToo many advisors avoid Social Security planning, but helping clients correct a mistake will lead to increased trust and more referrals.
June 26, 2014
Surge in IRA Rollovers Intensifies Competition for AssetsFirms must be creative with their marketing and adapt quickly to capture more IRA rollover business, Cerulli says.
June 25, 2014
Thousands of 401(k)s Fail Nondiscrimination TestIn 2012, the year for which the most recent data is available, $794 million in 401(k) contributions were returned to highly compensated employees.
June 24, 2014
TDFs Lead Investment for Small-Plan Retirement SaversTarget-date funds are the overwhelming favorite among participants in professionally managed investments, a report released Tuesday by Vanguard found.
June 23, 2014
Millennials Prefer Roth IRAs (and Boomers Should, too): T. Rowe PriceRecent T. Rowe Price research suggests Roth IRAs could be more advantageous than traditional IRAs for most investors, even many near retirement.
June 23, 2014
Qualifying 401(k) Dollars for Stretch IRA TreatmentStretch IRAs can allow beneficiaries to stretch tax-deferral benefits for years after the original owners death, but beware of the potential tax hit.
June 18, 2014
Pre-Retirees Choosing to Work LongerWhile the average retiree stopped working at 59, those yet to retire say they want to work until 68, Northwestern Mutual found.