Retirement Income

  • Is Hoarding Cash The Prudent Move As Market Awaits Election Results? Is Hoarding Cash The Prudent Move As Market Awaits Election Results?

    Limiting risk in a jittery market

    Could cash stuffed into a Mason jar and buried in the back yard be the best investment hedge against the unpredictable future that this year’s presidential election will bring? read more
  • Women’s New Retirement Realities Women’s New Retirement Realities

    Income gap continues to widen

    by Donna M. Phelan, MBA

    Although it is improving, there is an economic cost to being a woman that reverberates into retirement. It results from multiple long-term socio-economic conditions. read more
  • Millennials Make 2015 the Year of the Milestone Millennials Make 2015 the Year of the Milestone

    Moving past recession and diving into new jobs, new homes and new rides

    It’s been widely reported that for many Millennials, “30 is the new 20,” with many delaying major life milestones, like full-time employment, marriage and having children. read more
  • More Older American Families Taking on Debt More Older American Families Taking on Debt

    ...and more with problematic debt payment levels

    Market view from the Employee Benefit Research Institute (EBRI).

    A larger share of older American families had debt in 2013, and those with debt loads that are considered problematic also increased, according to a new report from the nonpartisan Employee Benefit Research Institute (EBRI). read more
  • 3 Pitfalls of Investing in Emerging and Frontier Markets 3 Pitfalls of Investing in Emerging and Frontier Markets

    As always, while rewards can be unlimited, risk and volatility loom

    Investing in new emerging markets, and the even less-developed frontier markets, can be a hugely appealing opportunity for any investor. read more
  • Irrevocable Spousal Lifetime Access Trust Irrevocable Spousal Lifetime Access Trust

    How the I-SLAT can provide income for the spouse of the grantor

    by Russell E. Towers JD, CLU, ChFC

    One drawback to a typical Irrevocable Life Insurance Trust (ILIT) is that your client and spouse lose direct access to the policy cash values during lifetime. This loss of access to potential tax free policy withdrawals (FIFO) may cause your client to hesitate when considering an ILIT. read more
  • IRI Commends Policymakers for Retirement Security Legislation IRI Commends Policymakers for Retirement Security Legislation

    Sens. Collins and Nelson Reintroduce the Retirement Security Act;
    Companion Legislation Introduced in House by Reps. Buchanan and Kind

    The Insured Retirement Institute (IRI) released a statement from IRI President and CEO Cathy Weatherford after the Retirement Security Act was introduced today by Senate Special Committee on Aging Chairwoman Susan Collins (R-Maine) and Sen. Bill Nelson (D-Fla.) to allow more small businesses to join multiple employer plans (MEPs). read more
  • A Simpler, Fairer Tax Code A Simpler, Fairer Tax Code

    Administration looks to responsibly invest in middle class families

    Middle class families today bear too much of the tax burden because of unfair loopholes that are only available to the wealthy and big corporations. In his State of the Union address, the President will outline his plan to simplify our complex tax code for individuals, make it fairer by eliminating some of the biggest loopholes, and use the savings to responsibly pay for the investments we need to help middle class families get ahead and grow the economy. read more
  • Succession Planning for Baby Boomers Is Critical Succession Planning for Baby Boomers Is Critical

    How to successfully retire is a question many face

    With as many as 10,000 baby boomers reaching the age of retirement every day, many are just realizing they are late in planning for a successful retirement and their exit. read more
  • An Innovative Solution to Rising Healthcare Costs An Innovative Solution to Rising Healthcare Costs

    Time to start putting more emphasis on 'health' than 'care'

    by Mark S. Gaunya, GBA

    Healthcare costs are soaring. American healthcare spending reached $2.9 trillion in 2014 – and will exceed $4 trillion by 2018 if left on its current course. The Affordable Care Act (ACA) is exacerbating the problem through additional taxes, fees and assessments. read more
  • Women Investors: Toss the Piggy Bank, Be Less Risk Averse Women Investors: Toss the Piggy Bank, Be Less Risk Averse

     Research Shows Women’s Investment Anxiety Thwarts Financial Goals

    New research into women investors offers financial advisors insights to address the needs and growing demands of this varied market segment, especially risk-averse women investors who hold too many assets in cash, according to Hearts & Wallets, the preeminent financial research resource for understanding consumer savings and investing needs and behaviors. read more
  • Actuaries Call for Administration to Focus on Aging Actuaries Call for Administration to Focus on Aging

    Definitive strategy needed for retirement security, lifetime income

    The American Academy of Actuaries is calling on the president and the 114th Congress to commit to a focus in the next two years on addressing the needs of an aging America. read more
  • Financial Stress May Shrink the Brain Financial Stress May Shrink the Brain

    Is there a neurology of money management?

    by Travis Freeman, CFP

    Many Americans have heard the phrase, “money is the number one cause of stress.” Money is a powerful force that can lead to college for a child, funding for a charity or the purchase of a dream home. read more