Divorce

Relative to the accumulation phase, strategies that mitigate the unique risks faced by retirees in decumulation are less understood and researched. By identifying and illustrating those risks, planners can better prepare clients for retirement.

Congress is on the verge of passing a bill called SECURE 2.0 to help American workers save for retirement.

The end of 2022 can’t come soon enough for many in the banking industry. Sputtering capital markets, job cuts, raging inflation, the crypto meltdown and rising interest rates marked a year of upheaval.

Over the years, clients have told me what resonated when I spoke to them. But there have been three situations that go beyond my expertise and ability to be helpful.

Allan Roth’s recent article, The 4% Rule Just Became a Whole Lot Easier, promises too much, makes inaccurate comparisons and blurs the notion of risk.

“I have never seen so much bearishness in the market,” Jeremy Siegel said, “which is a great sign for stock investors.”

Here are four questions independent financial advisors should ask before choosing a TAMP.

The Twitter chatter of Ford Chief Executive Officer Jim Farley is good vibes only: factory photos, race tracks, corporate boosterism and a lot of retweets of Ford customers gushing about their vehicles. It’s all cars, and it’s all anodyne.

The following is a loose collection of random thoughts and observations on the Russian invasion of Ukraine. Rather than a coherent article, I offer some insights that have emerged as the war has dragged on.

Here are three signals people use to let you know when they are feeling pushed.

If you aren’t willing to niche, at least decide whether you are trying to help your clients thrive or survive. Then build a message around one of those themes. Are you selling them life rafts (survive) or sailboats (thrive)?

How will you leverage networking’s holiday season grand finale without being perceived as the friend who is desperate for business?

Here are some of the cues that indicate a prospect has accepted what you have presented and want you to move on to the next step.

The overriding story of Vietnam is the triumph of free markets over communism.

What problem could be solved or what issue or challenge could be addressed that would offer wide appeal to the expansive advisor community? The answer that made sense to me was financial education.

Here are some suggestions to consider when remarrying.

It took 16 months to pay off my husband’s student loans after we got married.

As veterans of this male-dominated industry, we have faced our fair share of challenges and uncertainty. However, that led us to venture out on our own and start solo planning firms.

Few would disagree that the period from 1870-2010 saw immense technological advancements that improved our quality of life. But, according to Bradford DeLong, far fewer advances lie ahead, and societies should adapt by “slouching” away from a free-market system. He’s wrong on both counts.

This is Advisor Perspectives' fourth consecutive year of ranking ahead of The Wall Street Journal and Bloomberg among the e-newsletters listed, with 14% more readership across the 1,120 financial advisors surveyed. Advisor Perspectives also claimed the number one spot for e-newsletters among the independent registered investment advisor (RIA) segment.

Reg BI is the most divisive issue in the fiduciary discussion and was a focus of the discussion during September’s event.

I know what you’re thinking: “Longevicide? What is that?”

Here are five steps female financial advisors should take when putting a continuity plan in place for their firm.

What will happen to the clients of advisors who don’t have a formal succession plan in place?

The Harvard Business Review is celebrating its 100th birthday with a fat book of its most influential and innovative articles and an electronic fanfare of videos, charts and online articles.

Fidelity Investments and Vanguard announced a rare collaborative effort Wednesday to help employees keep their retirement savings in tax-advantaged accounts like 401(k)s when they switch jobs.

The search for information and direction about financial assistance and special-needs planning can be especially frustrating for caregivers.

Most seers believe the US labor market is overly strong.

What are the worst ROI marketing tactics advisors are taking on today? Behold, the top four.

Insurance protects against losses – fires, floods or a wrecked car. Because of the life-altering consequences of such as loss, clients rarely question the cost of the insurance. When viewed through an analogous framework, the cost of lifetime-income insurance, such as a GLWB, is fairly priced.

Compared to the dotcom and great financial crisis recessions, our fiscal and monetary response over the last two years has been far more aggressive. But the true cost – in terms of inflation – presents a more threatening risk.

When you choose a client niche, you may find that the focus is too narrow or too broad. Here’s how you can remedy the situation.

I need someone to tell me if it’s time to get off this treadmill or if things will change and I can go back to being exhausted only on Thursdays and Fridays instead of every day of the week.

The IRA impacts everyone, but the healthcare portions of it mean substantial changes to the way advisors incorporate healthcare costs into their financial plans for clients who are retired, on Medicare, or are still working.

Millennials are self-centered and allergic to commitment. They switch jobs every six months and will never buy homes. And don’t get them started on marriage and kids.

Shortfalls in retirement savings have been widely regarded as a crisis of our times.

Americans in their early 60s are pretty close to record labor-force participation, too. The big declines are all among those 65 and older.

Even as flows into environmental, social and governance ETFs are slowing, Emerge is introducing its first set of active sustainable ETFs with a twist -- each fund will be overseen by women.

My article, “The Trial of Ken Fisher for Crimes Against Annuities,” marked the beginning of my effort to aggressively defend annuities against criticisms that had become too exaggerated, too longstanding, and too inaccurate to be left unchallenged.

When Naeche Vincent’s employer told her she had to start coming to the office last year, she decided to make a TikTok video about preparing to step foot inside the Wall Street investment bank for the first time.

We have a team of advisors who are the kings and queens of gossip.

A strong culture is key to inspiring the team and workplace of tomorrow.

Are high-deductible or low-deductible Medicare supplemental plans better?

In the current unstable economic environment, producing safe, reliable income over the course of an unknown retirement is a daunting goal for any financial professional. As a result, many Americans sub-optimize their retirement experience.

Demography isn’t destiny. If population size was history’s major determinant, China might have conquered Europe in the 15th century, and Britain certainly would not have conquered India in the 18th.

When it comes to a comfortable retirement, women in the US have the cards stacked against them.

Let's examine why communities are so important for women in finance and explore three of the top benefits of joining one.

Each generation is destined to repeat the struggles of the generations that came before it. And you can’t escape. You can’t be different – though you’ll try. Everybody tries.

Having a strong marketing foundation requires the following four cornerstones to make the tactics and strategies you implement effective.

For some reason, people are feeling good. Animal spirits are on the run.

After the US saw inflation hit its highest levels in 40 years (since the bond bull market started), fueling bets that the Federal Reserve would embark on the most aggressive tightening campaign in a generation, it seemed that the bear market had finally started.

Here are nine little-known high-earning professions you should be considering as target markets.

We never get too old for stories. And especially in the current volatile market, our clients benefit greatly from hearing a story like Dimensional’s – which gets better the longer it continues.

When starting with a niche, you may find it difficult to produce topics for your content marketing. To get ideas, take notes about what your prospects are talking about. This article covers specific points to create an effective content strategy.

Marriage in the US also unlocks an under-discussed retirement option: the spousal IRA.

The Financial Alliance for Racial Equity (FARE) and the CFP Board Center for Planning collaborated on one such scholarship, Financial Alliance for Racial Equity CFP^® Certification Diversity Scholarship, which was created to financially assist seven Black and African American candidates on their journey to becoming a certified CFP^® professional.

When creating your marketing message for your niche, you want to articulate the one unique problem your niche faces. Here are questions to help you address that overriding problem.

What would be the impact on your business if $34 trillion in wealth assets were destroyed over the next several months?

After a working life of hard graft, it is only natural to look forward to health, wealth and happiness in retirement.

What started out as re-entering the workforce opportunistically soon became a necessity.

Most people budget not for true emergencies — which are, thankfully, rare — but for what we might call predictable surprises.

I assume that we know when we are engaged in efforts to mislead. But what if that premise is false? What if we believe our lies?

Most advisory firms that specialize in wealth management use three technology platforms: financial planning software, portfolio accounting software, and a CRM software. Let's take a closer look at the functionalities and costs of each.