December 28, 2009 What is ahead for income plans as 2010 unfolds? Advisors offer many ideas and considerations, and prudence rules....
November 23, 2009 The financial professional’s role is to help clients remove the guess-work from retirement planning strategies and build confidence in funding both their short- and long-term goals....
November 19, 2009 This answers the question: When does the five-year Roth IRAclock stop ticking, after which time the Roth IRA owner can take distributions income tax-free?
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October 28, 2009 Many clients and advisors are already looking ahead to 2010 when two tax law changes will occur concerning traditional-to-Roth conversions. Here are some considerations they will need to keep in mind.
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October 28, 2009 Finally. Some common sense seems to be emerging in Congressional consideration of retirement product provider regulation. The proposed Consumer Financial Protection Agency will now exempt providers of retirement products from CFPA oversight....
September 30, 2009 The biggest concern among clients about retirement distribution is having their account balance go to zero before their blood pressure drops to zero. Here are some suggestions to avoid this adverse outcome.
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September 30, 2009 defined contribution plans are still much in demand. But subtle signs are emerging that traditional defined benefit retirement plans are not only still here, but they are actually attracting renewed interest, albeit in alternative forms.
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August 26, 2009 “The greater your human capital, the more risk you can afford to take with your financial capital, nest egg or retirement plan,” says Moshe Milevsky, a professor of finance at York University, Toronto. He explains the relationship....
August 26, 2009 Indeed, it may be that the year 2009, with all its recession-related upheaval, may trigger greater consumer interest in retirement income planning than ever. Here's why.
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July 29, 2009 Tax-deferral remains an option on conversions done in 2010, as TIPRA allows conversion income to be spread evenly and taxed in years 2011 and 2012.
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July 29, 2009 Editorial on how income planners need to think about becoming become conversant with the ins and outs of homeownership from a retirement income perspective. ...
June 22, 2009 Many advisors do not realize that cash value life insurance can play a valued role in retirement income plans. NU Senior Editor Warren Hersch scopes it out.
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May 24, 2009 Cash value life insurance, whether universal life, indexed universal life, whole life, or variable universal life, can be an opportunity to help supplement retirement income of baby boomers and Gen-Xers.
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April 29, 2009 Speakers at a retirement conference in Orlando examing use of non-insurance guarantees in retirement income planning as well as other emerging retirement income approaches....
April 29, 2009 With stocks in bear market territory and economic recovery still far from certain, counseling clients to stay invested in equities may not, at first glance, seem a wise course. But advisors are doing just that.
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April 29, 2009 New report on elder financial abuse is a concern to retirement income planners. what elder financial abuse is, and who does it. It's time to open up discussion about it....
March 25, 2009 How advisors and product manufacturers are chaning their approach to retirement income planning, in the post-Madoff and post-market crash world of 2009....
March 25, 2009 Income Planning reader Richard Woychowski tells why it is rionic that most financial advisors focus on the cost of reverse mortgages....
March 25, 2009 Income Planning reader contends the fees to do reverse mortgages are outrageous. He gives and example, and tells how HELOCs compare....
February 20, 2009 Supporters of reverse mortgages say the product provide a simple way for older Americans to tap needed funds for retirement income purposes. But two advisors are less enthusiastic about the product.
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January 28, 2009 The Bernard Madoff debacle offers a cautionary tales for financial advisors who are trying to ensure steady retirement income for clients: maintian divisificaiton of assets and apply due diligence....
December 22, 2008 A new trade group, formed in 2008, sees potential in offering income planning options in defined contribution plans. ...
November 01, 2008 There are all kinds of theories associated with taking required minimum distributions, as is evidenced by the different approaches detailed by financial advisors interviewed by Income Planning....
October 01, 2008 Financial advisors say that there are ways to satisfy required minimum distribution requirements efficiently, so that the legal requirement works to a client's benefit. ...
September 01, 2008 The report by NU Senior Editor Jim Connolly in this month's Feature article points out a startling fact......
September 01, 2008 Financial advisors say is extremely important to add the following item to their client checklists for the Fall season: "make sure that clients take their required minimum distributions from qualified retirement accounts and IRAs." ...
August 01, 2008 In interviews with Income Planning, financial planners offered insight into tools that they feel work for clients. ...
August 01, 2008 Here is a research finding that might make income planners gulp....
July 01, 2008 Shelly Kostrunek's article, Retirement withdrawal mistakes to avoid, which appears in this month's issue of Income Planning, focuses on a very important part of income planning: taking withdrawals....
July 01, 2008 One piece of the income planning discussion should be a candid review about whether the client needs to continue working, according to financial planners. ...
June 01, 2008 If you think that automatic enrollment available inside of defined contribution plans is the last big change you'll see in these plans for the foreseeable future, think again....
June 01, 2008 When we get on a plane, we trust that the pilot is trained, rested, and savvy about the upcoming trip....
June 01, 2008 Payout funds, mutual funds that strive to pay regular income to fund holders, are still fresh, and that newness has advisors taking a 'wait-and-see' attitude, according to interviews with Income Planning. ...
May 01, 2008 How can advisors make the most of the retirement income opportunity?...
May 01, 2008 "There is a problem in this country and it is called consumerism," warned Jeff Daniher, a certified financial planner with Ritter Daniher Financial Advisory, Cincinnati....
April 01, 2008 Will alternative investment options be an important piece in ensuring that an individual has sufficient assets to provide regular income in retirement?...
March 01, 2008 If you think that automatic enrollment available inside of defined contribution plans is the last big change you'll see in these plans for the foreseeable future, think again....
February 01, 2008 Boomers in their 50s expect to spend $578,000 over the course of their retirement on "activities" (above and beyond normal living expenses), according to a new survey from Sun Life Financial Inc....
February 01, 2008 Several financial advisors contacted by Income Planning say that for those who use real estate investment trusts (REITs) to fund regular income, there is a real risk of diminished income. ...
February 01, 2008 Personally, I am looking forward to dispelling the old beliefs of 4%-5% withdrawal rates from retiree assets....
January 01, 2008 A question that is surfacing among income planning experts is just how prepared advisors are to meet the needs and challenges of this relatively new area of financial advice....
January 01, 2008 CFPs give their clients assurance that the more they spend now on Medicare Supplement plans and Part D plans, the more they hedge their bets that their medications will be covered....
January 01, 2008 Interest in income planning and long term care planning among working adults appears to be on the rise. The signs are incremental, but unmistakable....
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