Income Planning

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Youngest Baby Boomers' Pay In The U.S. Peaked When They Hit 45

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For people without a college degree, earnings even fell in later years, according to the Bureau of Labor Statistics.

How Longevity Literacy Impacts Retirement Confidence, Success

by FA Staff

The problem is that too few U.S. adults are displaying longevity literacy, according to researchers.

Why Retirement Planning Is More Than Hitting A Savings Goal

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This advisor tells clients not to get too hung up on a savings objective and to take a broader look at their retirements.

Fidelity, Vanguard TDFs Have Underperformed Balanced Funds, Morningstar Says

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Researchers found a significant performance gap, mainly because of poor performance by non-U.S. equities.

Retirees Face $17,400 Cut To Social Security Benefits In 2033

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A new analysis shows the cuts Americans could see to Social Security benefits in 2033.

Roth IRAs--The Intriguing Mathematics For High-Wealth Taxpayers

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The Roth remains one of the best ways to keep the taxman at bay but the mathematics might surprise advisors.

Great Recession Damaged Late Boomer Retirement Nest Eggs, Researchers Say

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Late boomers' retirement assets Are 14.5% lower compared with earlier retirees, according to Boston College researchers.

Advisors Say Clients Have Unrealistic View Of Retirement

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An Edward Jones survey found that advisors don't see clients appreciating the risks they may face in retirement.

Social Security's 'Surprise Inside': Delayed Retirement Credits

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Here are some facts to have in your pocket when discussing clients' retirement income plans.

SECURE 2.0 Mandatory Roth Catch-Up Requirement Raises Questions

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Uncertainty surrounding the provision has industry lobbying groups pleading with the IRS for a delay.

The 60/40 Portfolio Doesn't Work For Everyone, Vanguard Strategist Says

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The 60/40 model is still viable, but it's not a "one-size-fits-all" solution, strategist Todd Schlanger said.

Biden's Pick to Run Social Security Drew Fire For Tax Hikes As Maryland's Governor

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If confirmed, Martin O'Malley would oversee one of the U.S.'s largest social programs.

SECURE 2.0 Changes To Catch-Up Contribution Rules Drawing Near

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The changes could provide clients with significant savings, advisors say.

A Tax Trap Awaits Affluent Clients Seeking Income

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The sharp rise in interest rates since March 2022 has created a surge in clients looking to deploy their cash.

Parents Struggle To Support ‘Boomerang' Kids, Thrivent Finds

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For the 41% of parents who have adult children living with them, the financial hit is real.

HSAs Offer Untapped Retirement Benefits For Wealthy, Advisors Say

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Wealthy individuals need to take advantage of the savings potential offered by HSAs, advisors say.

The Retirement Rules Have Changed

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In a volatile market, there are new ways retirees will want to seek income after they leave work.

Stop Saving, Start Spending

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Some near-retirees should ditch the savings plan and drop serious cash on their dreams.

More 401(k) Participants Are Getting Professional Advice, Vanguard Says

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Sponsors are increasingly making advisors available to plan participants, the company said in new report.

Insurance Among Strategies Needed For Lifetime Retirement Income, AllianceBernstein Says

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Longer lifespans require advisors to be more innovative when planning for retirement income, the company says in a new report.

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