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New Ways to Avoid Early Withdrawal Penalties From Retirement Accounts

Provisions in the SECURE 2.0 Act introduced new ways this year to avoid a 10% early withdrawal penalty from retirement accounts. Our Bill Cass explains the implications for savers.

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Workplace to Wealth: Transforming Retirement Through Meaningful Action

A strategic alignment within the workplace is an opportunity for financial advisors, employers and retirement savers seeking financial planning advice. See Kevin Murphy’s views on emerging trends in workplace savings.

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Planning Moves to Lessen the Sting of the 3.8% Surtax

A rising number of U.S. taxpayers are subject to an investment income surtax, introduced a decade ago in federal legislation. Here are some strategies that may help mitigate the impact of the tax.

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Six Things to Know About Social Security Survivor Benefits

For married couples, it is important to understand the rules for claiming Social Security survivor benefits in order to plan ahead. Our Bill Cass discusses the details.

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Navigating the Next Normal in the Retirement Industry

The needs of retirement plan sponsors and savers are changing, and advisors may want to consider a value proposition for the “next normal” in the shifting retirement landscape, according to Mike Dullaghan, Retirement Strategist at Franklin Templeton.

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Financial Planning Strategies for Newlyweds

Here are some financial planning considerations and steps newlyweds may want to take after the wedding. Our Bill Cass highlights some of the key areas.

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Beyond Generic Advice: How Advisors Can Personalize Investing

Personalized messaging has a powerful impact. Our Kevin Murphy believes it is time for the financial services industry to deliver personalized solutions and advice.

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Advisors’ Top 529 Questions, Answered

Our recent 529 Month webinar focused on how 529 plans are used, the impact on federal financial aid, and expanded uses. Here are some of the leading topics discussed.

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On My Mind: The Twin Roots of Rising Rates

Franklin Templeton Fixed Income CIO Sonal Desai discusses why rising investment and persistently loose US fiscal policy are simultaneously pushing in the direction of higher long-term real interest rates.

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When It Comes to US Elections, It’s the Economy—Perhaps

Several factors account for the apparent disconnect between headline US economic data and what polls suggest many Americans feel. Find out more from Franklin Templeton Institute’s Stephen Dover.

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Reasons Why a Grandparent-Owned 529 May Make Sense

A grandparent may choose to fund a 529 plan for a grandchild’s education. Our Bill Cass discusses key tax and estate planning considerations as well as the impact on student financial aid.

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Harvesting Opportunities: Income Diversification for Uncertain Times

Despite the US Federal Reserve’s cautious stance on interest rates and the shifting dynamics of the equity and fixed income markets, Franklin Income Investors CIO Ed Perks believes conditions are favorable for investing in these asset classes.

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UK Equities Climb to All-Time Highs as Sunak Faces General Election Wipeout

Will the good times continue for the UK equity market in light of an upcoming election? Marcus Weyerer opines.

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Decision Made: Why 529 Plans Are a Popular Choice for Education Savings

For families saving for college, 529 plans remain popular. Our Bill Cass shares some key facts about 529 plans.

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Alternative Allocations: Democratizing Alternative Investments in Today’s Market

Franklin Templeton Institute’s Tony Davidow discusses democratization of alternative investments and the lessons learned from institutions that have historically used alternatives with Matt Brown, Founder and CEO of CAIS.