Income Planning

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A Good Fit

by Alan Lavine

Immediate annuities fit well in retirement income plans.

Affluent Investors Feel Unprepared For Life Emergencies

Financial advisors should take a look at clients' liquidity and borrowing power, now that the financial crisis has investors more wary, a Merrill Lynch study found.

Not Just A 'Mancession'


Although it was reported that more men than women lost jobs by early 2009, there's no doubt women felt the pain of The Great Recession, too. A study shows many more women expect to work longer.

Retirement May Mean A Lifestyle Downgrade

If your clients are baby boomers, the odds are high they'll exhaust their retirement savings after ten or 20 years of retirement, according to a new report.

Roth IRA Conversions And College Planning

by Troy Onink and Bernard Whalen

Additional income resulting from a Roth conversion may lower financial aid eligibility and impact use of a federal tax credit for education.

Frontline News

Frontline News

Advisor Emporium

Advisor Emporium

Reverse Mortgages Are Now Less Costly

Reverse mortgages might be more appealing to some clients now that fees have fallen substantially in recent months. Borrowing limits have been reduced, however.

Donations Can Help Offset Roth IRA Bill

Bulking up on charitable donations is one strategy some financial advisors are recommending this year to clients facing a tax hit from moving retirement assets to Roth IRAs.

The Scholar Of Savings

Most people couldn't pick this guy out of a line-up. But this son of a Dead Sea Scroll scholar is the Washington insider figuring out how to boost Americans' retirement savings.

Managing Retirement Income: Part VI

by Jack Gardner

In the final installment of this six-part series, learn how managing the retirement income sequence of returns and reverse dollar cost averaging affect retirement portfolios.

Small Businesses Hunt For More Roth Assets

Small-business owners are tapping pre-tax individual retirement accounts and profit-sharing plans in search of assets to roll over into Roth IRAs. 

Retirement Shortfall Expected


A recent study found just 18% of employees with the potential to work at least 30 years and contribute to their employer's savings plans during that time will have enough money for retirement.

Inflation's Toll On Annuity Payouts

The guaranteed payouts on immediate annuities offer insurance against the kinds of rocky times investors have been weathering of late. But inflation could whittle away value.

Managing Retirement Income: Part V

by Jack Gardner

Investors who are on the road of retirement all share some common fears, including spending too much, principal loss from market volatility, loss of purchasing power due to inflation and the biggest...

New Retirees Often Make Poor Decisions


The period right after retirement can be the most critical period for investors, but it's also a time when people make decisions with their guts instead of their heads, experts say.

Retirement Quandry Affects All Ages


A new survey says young people don't know how to start saving for retirement and older people think they should have started saving much sooner.

Managing Retirement Income: Part IV

by Jack Gardner

Inflation can ravage a retirement portfolio. Here's how you can help clients preserve purchasing power.

Roth IRA Conversions Fraught With Mistakes

In doing Roth IRA conversions, many individuals and advisors are making some astonishing mistakes that experts say could be avoided easily.

Retirement Funds Drawing Scrutiny

Regulators are stepping up efforts to police target-date funds. Meanwhile, providers from Schwab to Fidelity to Wells Fargo are tinkering with their offerings.

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