1. For Financial Planners, This Is One The Most Important Stories Of The Year
(Matching tags: stress test,investment strategies,investing for income,social security,retirement planning,retirement income,advisor industry people)

... the groundbreaking research by William Bengen, a CFP practitioner who in 1994 began publishing on safe withdrawal rates for retirement portfolios and continues to publish on this topic. However, Pfau tweaks ...

2. A Strategy For Managing Taxes Is Key To Retirement Income
(Matching tags: retirement income,Taxes,investment strategies)

Taxes can take a big bite out of your clients’ retirement checks. Retirees are squeezed one way if they haven’t saved enough money and another if they have too much income. Taxes are to blame ...

3. Harold Evensky, Long A Champion Of The CFP Designation, Explains Why He Is Joining The Board Governing The RMA Designation
(Matching tags: profession,differentiation,retirement income,advisor industry people)

Harold Evensky, long a leading voice in the movement to make the financial advice business a profession, is joining the board of governance for the Retirement Management Analyst (RMA) designation. Evensky’s ...

4. Wade Pfau On Problems With Applying The 4% Withdrawal Rate Rule To Economies Beyond The U.S.
(Matching tags: retirement,retirement planning,retirement income)

From an international perspective, a 4% real withdrawal rate is surprisingly risky. Even with some overly optimistic assumptions, it would have only provided "safety" in four of 17 developed ...

5. Some Large Pension Plans Are Offering Lump Sum Benefits To Retirees In Lieu Of Future Pension Payments
(Matching tags: pensions,retirement income)

Ford and other large companies have begun offering lump sum benefits payouts to retirees instead of ongoing payouts from pension plans. Many companies are facing shortfalls on their pension fund obligations. ...

6. Retirees Looking To Sell Their Businesses Need Your Guidance Both Before And After The Sale
(Matching tags: Advisor businesses,investing,client communications,retirement income)

In 2004, Family Office Exchange projected that, by 2014, between $2.12 and $5.3 trillion in family business assets would change hands. 2014 is less than two years away. So a good portion of that predicted ...

7. The First Pension Plan Bankruptcy Has Recently Been Filed
(Matching tags: retirement plans,risk,retirement income)

... Islands Retirement Fund sought reorganization bankruptcy protection on Tuesday, April 24.  ...

8. Second Careers Are Becoming A Main-Stay In Retirement Planning
(Matching tags: retirement planning,retirement income)

  The new vision of retirement life embraced by the Baby Boom generation is migrating to the Echo Boom generation. Sixty-nine percent of Americans age 21 to 50 plan to work during retirement, either ...

9. Wade Pfau On Leaving Money On The Table
(Matching tags: retirement planning,retirement income)

... of inquiry by Finke and Williams from the Fall 2011 issue of the Retirement Management Journal, and it won the RMJ’s Academic Thought Leadership Award.   Scott Burns had earlier brought ...

10. Retirees May Not Be Aware Of Income Risk With Gold
(Matching tags: investing for income,gold,retirement income)

After an 11-year run, gold underperformed the S&P 500 in the first quarter of 2012 by almost 50%. Retirees as well as other risk averse investors have been enamored with the stuff. Gold is also an ...

11. Answers To Your Questions About The Retirement Management Analyst Designation
(Matching tags: investing for income,profession,retirement planning,annuities,financial planning,retirement income)

Francoise Gadenne, executive director of the Retirement Income Industry Association (RIIA), recently spoke at an A4A webinar. Here answers to some of the questions from attendees he did not get to ...

12. Record Junk Bond Sales Are A Good Reason To Conduct Portfolio Reviews With Clients And Prospects, As It Signals A Turning Point In The Economy
(Matching tags: markets,investing for income,investing,retirement income)

Junk bonds have been in rally mode since 2009 and have been the highest returning debt instrument this year. So good that 130 US companies have sold $75 billion of them during the first quarter. That’s ...

13. Elimination Of Counseling Budget For FHA Reverse Mortgages May Open New Opportunitities
(Matching tags: investment strategies,Tax-efficient investing,asset management,suitability,retirement income)

Congress recently eliminated funding for FHA counseling for homeowners on reverse mortgages. This opens an opportunity for advisors to assist older homeowners seeking retirement income.  ...

14. Developing A Niche In Retirement Business Can Help You Find Better Clients Who Appreciate You More
(Matching tags: retirement,retirement planning,marketing,retirement income)

Saying you specilalize in working with retirees is not a niche. You need to focus on a segment of the retirement business. Advisors who tailor their practices toward the retirement needs of specific ...

15. Retirement Income Industry Association To Answer Your Questions About Its Ties To Product Manufacturers And Whether It Is Adding To Designation Proliferation
(Matching tags: profession,retirement planning,annuities,financial planning,CFP Board,fiduciaries,retirement income,advisor industry people)

Is the Retirement Income Industry Association (RIIA) controlled by financial product manufacturers and distributors? Will RIIA's Retirement Management Analyst designation simply confuse consumers by adding ...

16. Preparing for Transition: Personal Financial Planning
(Matching tags: retirement planning,exit planning,enterprise value,financial planning,retirement income,business planning)

When looking to transfer power and ownership to second or third generations, the business owner must determine if the business will financially support this strategy. In other words, can the business support ...

17. SMART Funds Have Outperformed Over The Past Five Years And Should Continue To Do So
(Matching tags: target date funds,retirement planning,retirement income)

Target date funds are difficult to evaluate because they gradually reduce risk, i.e. equity exposure, through time. In evaluating these funds, therefore, two questions are relevant: What is the “right” ...

18. Financial Advisor Designation Proliferation Is A Disaster For Consumers And Retirement Management Analyst Designation, A New Designation Sponsored By Product Manufacturers, Illustrates The Threat To Professionals
(Matching tags: retirement planning,prospects,Wealth Management,financial planning,marketing,retirement income)

“Retirement Management Analyst (RMA) Designation Expands Into Level 1 Curriculum and Level 2 Curriculum,” says the headline of a press release issued this morning by the Retirement Income Industry ...

19. Why Target-Date Funds Fail
(Matching tags: target date funds,retirement planning,retirement income)

Most target-date funds are riddled with problems, and one of the most fundamental is a mismatch of incentives that allows fund companies to profit at the expense of investors.

20. Growth In Annuities Will Be Driven By Investors' Search For Guaranteed Income
(Matching tags: annuities,retirement plans,retirement income)

Two out of three advisors expect guaranteed income options to increase in importance over the next five years, based on current conversations with clients.