Retirement Income

Two major issues clients should consider in creating their own long-term care plan are where they will live and how they will pay for the care they are likely to need.

Paying down student debt or saving for retirement can seem like mutually exclusive goals. A little-known workplace benefit could soon allow more workers to do both.

To determine the places where affluent Americans give the most to charity, we compared 384 metro areas.

Treasury Secretary Janet Yellen has declared that the US has hit its federal debt limit, kicking off an intense political battle that puts the global financial system at risk.

The greatest financial risk for depleting retirement resources is an unexpected and lengthy stay in a long-term healthcare facility.

Reducing the U.S. deficit is praiseworthy. How was that accomplished in 2022?

Macro hedge funds, which look at economic trends and take advantage of dislocations across asset classes, had a banner year in 2022.

Some of the biggest investors in US commercial real estate are looking to cash in before property values slide further.

It is a challenge to design a website that addresses the needs and questions of multiple client types.

For the past few years, regardless of price, there's been a buyer for every RIA seller. But that won’t continue.

As a financial coach whose mission is to talk fee-only advisors “off the fence” of procrastination, I frequently answer two questions.

Let me share a story of an RIA who will be forced to mount a legal defense because of a lawsuit that is likely to be filed by two of his retired clients.

Morningstar’s latest research showed higher safe spending rates across all asset allocations over all time horizons. I don’t agree with those results.

The omnibus spending bill puts our retirement system on an even less sustainable basis.

Welcome to tax season, TikTok edition.

The 68-year-old retired landscaper first started investing in Tesla Inc. in 2012 after hearing about Elon Musk, who wasn’t nearly as famous at the time. 

The California Public Employees’ Retirement System is making a $1 billion wager that small private equity firms without the heft of the biggest buyout institutions can boost the pension giant’s returns and clout.

Can you believe these grifters hawking indexed universal life (IUL) insurance on TikTok? Here’s the actions I’m taking to put an end to this predatory nonsense.

For the past few years, regardless of price, there's been a buyer for every RIA seller. But that won’t continue.

Probability-based retirement income strategies are highly sensitive to the capital market assumptions used in Monte Carlo analysis. Seemingly small changes in those assumptions can mean the difference between projecting a comfortable lifestyle and financial ruin.

Tight monetary policy and rising government debt will drive a regime of high interest rates, depressing stock prices and destroying the wealth of clients, most severely those at or near retirement.

Commodities may seem like just another one of the bunch, but these products offer a unique way to invest your money in the market.

Consumption smoothing, the idea that individuals should budget to match savings and spending over their lifetimes, has been the subject of vast academic research. But a new study challenges basic assumptions and illustrates the divergence between financial theory and practical experience.

Build your ladder with multiple target-maturity ETFs representing different segments of the bond market, with different target years.

Making the most of a bonus is always important, but 2022’s payout feels even more precious. Many workers, especially in finance and technology, are likely to see slimmed-down bonuses. Amid economic uncertainty, maximizing those dollars is crucial.

There's only one thing you really need to know about investing in 2023, and it's both stunningly obvious and invariably forgotten: There's no free lunch.

After the biggest loss for 60/40 portfolios since the global financial crisis, better days may lie ahead for the trillion-dollar complex of balanced investment strategies.

Inflation was the bogeyman of 2022.

Let's examine the three paths the Fed might take in 2023 and what they mean for stock prices.

As we talk with and counsel our clients, they need to have the right emotional attitude about money and investing. And most of those attitudes center on concepts that are central to both investing and life in general.

While remote work trends have persisted, recent data released by the US Census Bureau showed that more people were going back to the office in 2022 than in 2021 — yet the great southern migration hasn't slowed.

In the first few days of 2023, at least 500 US workers will likely have already paid their Social Security taxes for the year.

In some ways, the 2023 economic outlook for the US is locked in. The Federal Reserve’s goal is to push the rate of inflation back down to 2% over the next few years.

This past year was disappointing for stock and bond investors. The real 25% loss in stocks was in the bottom decile and the real 20.3% bond loss is the worst in the past 97 years. Greater losses lie ahead.

An OCIO can deliver vastly expanded investment capabilities while seamlessly alleviating the burden of investment infrastructure, operations back-office, and administrative tasks, freeing up advisors’ time for vital client-facing and relationship-building activities.

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.

Billionaire philanthropist Chuck Feeney is credited with saying, “I want the last check I write to bounce.” While that is ideal, it’s unrealistic. Or is it?

Contrary to what financial theory predicts, new research from Europe shows that the elderly accumulate assets later in life than expected, likely because they want to leave bequests, are receiving pensions, or are reluctant to part with assets such as their homes.

Tesla Inc. is expected to announce record quarterly deliveries in early January but that may not be enough to satisfy investors as the electric-vehicle leader grapples with inflation, rising interest rates, crimped production in China and concerns about softening demand.

Wealthy retirees seem to have scored big in Congress’ sweeping year-end spending package.

It’s hard to believe that the post-Covid world at one point was supposed to usher in a new consumer-led boom worthy of the “Roaring Twenties.”

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

Great articles don’t always get the readership they deserve. We’ve posted the 10 most-widely read investment, planning and practice management articles over the last two days. Below are another 10 that you might have missed, but I believe merit reading.

As is our custom, we conclude the year by reflecting on the 10 most-read practice management articles over the past 12 months. Tomorrow, we will highlight the 10 best articles you probably missed.

As is our custom, we conclude the year by reflecting on the 10 most-read investment and planning articles over the past 12 months. Tomorrow, we will highlight the 10 most-read practice management articles.

Private credit can be an attractive asset that has provided high yield and protection against the risks of rising inflation. In addition, the asset class has a strong credit history – specifically senior, secured, sponsored debt.

Here are nine tips that will help your family members stay healthy and financially secure as they age.

Here’s how advisors can deliver massive value using “buckets” and “guardrails” to empower clients to act during times of economic turmoil.

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.

Here’s a breakdown of the pros and cons of trading in your traditional bank for a virtual banking experience.

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

I will use an example and an actuarial model to compare the efficiency of three strategies for strengthening a retired or near-retired client’s balance sheet under both a lower and a higher assumed future inflation scenario.