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The Motley Fool December 3, 2010 Dan Caplinger |
Don't Flub This Million-Dollar Decision Whether to take a lump sum or monthly payments from your pension can make or break your retirement.  |
Registered Rep. April 1, 2005 Kevin McKinley |
In Praise of the Lump When a retiring client's employer presents him with a choice between a monthly pension check and a lump-sum payment, the choice is usually a simple one. Accepting the lump is usually the most lucrative choice for the client and the advisor.  |
The Motley Fool September 26, 2006 Selena Maranjian |
How to Take Your Pension If you've got a pension, you're in the minority of workers today. Here are some tailor-made tips for you.  |
The Motley Fool July 15, 2009 Dan Caplinger |
How to Make the Most of Your Biggest Opportunities Here's the best way to handle big money. To provide the income a pension would pay, you may be able to use a combination of an immediate annuity and dividend-paying stocks.  |
On Wall Street July 1, 2010 Gina Bolvin |
Making A Strong Connection With Telecom Employees Often, early retirees are not aware of the steps they can take to tap income from their retirement plans before they reach 59 1/2.  |
Registered Rep. March 9, 2012 Mark Miller |
Six Ways Pension Annuities Almost Always Beat a Lump Sum Even if a lump sum is a choice for your client, think twice before advising a client to take it.  |
Financial Planning February 1, 2013 George Yacik |
Weighing a Pension Payout Take the money and run? It is a question advisors face as retirees get offered lump-sum bonanzas.  |
Registered Rep. July 21, 2010 Kevin McKinley |
The Social Security Flip In the current economic environment one of the greatest challenges faced by financial advisors is how to boost income for retired, risk-averse clients.  |
The Motley Fool October 10, 2006 Dan Caplinger |
Pension Protection or Pilfering? The recent changes to the laws governing pensions are just the latest example of why it's important to think carefully about the choices you have as you enter retirement.  |
The Motley Fool May 26, 2010 Dan Caplinger |
Get the Most From Social Security The right decision is harder than you think.  |
Financial Advisor July 2011 Eric L. Reiner |
Pension Cash-Outs Are Coming The trend spells opportunity for advisors.  |
Registered Rep. July 13, 2012 Mark Miller |
Should Your Retiree Take the Lump Sum? Or Go with a "Pension Annuity?" Leon LaBrecque is one busy financial planner these days. He has been meeting with retirees from Ford Motor Co. and General Motors to help guide them through one of most important financial decisions of their lives: whether to accept a lump sum buyout of their pensions.  |
The Motley Fool October 24, 2006 Dan Caplinger |
Get Income for Life: Part 2 Today's retirees can look forward to longer lives than their parents and grandparents enjoyed. With that longer lifespan, however, comes the need to save more. Different types of annuities offer different benefits and pitfalls.  |
The Motley Fool July 23, 2004 Roy Lewis |
How Retirement Pays Off How do you plan to withdraw your retirement funds?  |
The Motley Fool October 27, 2009 Dan Caplinger |
3 Tips for a More Secure Retirement You shouldn't need to worry about making ends meet.  |
Registered Rep. September 7, 2015 Kevin McKinley |
Eight Outside the Box Risk Categories Here are eight outside the box situations that may signal it's time to take a more cautious approach to investing and allocating clients' assets.  |
BusinessWeek May 8, 2006 Toddi Gutner |
Annuity Exit Strategies Thanks to a nascent secondary market, it is becoming easier to cash out your policy.  |
The Motley Fool December 16, 2008 Dan Caplinger |
2009: End of the Road for Pensions? The final nail in the coffin for pensions may come from 2008's terrible stock market performance.  |
The Motley Fool February 24, 2009 Dan Caplinger |
The Trend That Could Save Your Retirement One type of defined benefit plan, known as the cash balance plan, has gained growing popularity among employers wanting to do more for their workers.  |
The Motley Fool January 21, 2004 Robert Brokamp |
Can You Count on Your Pension? Pensions are still underfunded, and the federal agency that backs them isn't looking too good either.  |
Registered Rep. June 1, 2012 Kevin McKinley |
Goosing Returns by Reducing Taxes Take a look at your clients' 1040s to show how you can save them real money right now, and in retirement.  |
Registered Rep. December 1, 2006 Kevin McKinley |
The Case For (and Against) Immediate Annuities Right now your retired clients face a number of conundrums as they search for reliable sources of income. Retirees looking for safe, predictable income can get a big boost from immediate annuities when compared to other options.  |
Financial Planning March 1, 2011 Donald Jay Korn |
Pension Tension Old-fashioned pensions might be disappearing, but they haven't vanished.  |
The Motley Fool March 2, 2011 Dan Caplinger |
Why Public Pensions Are Doomed Public-sector pensions will disappear in the near future.  |
The Motley Fool January 2, 2009 Dan Caplinger |
How to Never Run Out of Money A relatively new twist on a traditional insurance product promises some relief for those looking to protect themselves from outliving their retirement savings -- but is it the best option for you?  |
Registered Rep. October 1, 2006 Kevin McKinley |
Waiting Is the Smartest Part For clients with longer life expectancies and multiple sources of retirement income, delaying Social Security payments can provide a gain far greater than the pain of postponement. Here are three reasons why waiting can be worthwhile.  |
The Motley Fool September 27, 2006 Dan Caplinger |
Pension Reform and You How might the Pension Protection Act affect your pension?  |
The Motley Fool January 26, 2011 Selena Maranjian |
Pension Perils Take a Turn for the Better Your company might not stiff your retirement after all.  |
The Motley Fool August 25, 2010 Dan Caplinger |
3 New Rules for a Richer Retirement The same old strategies won't work anymore.  |
Registered Rep. October 1, 2005 Kevin McKinley |
Spend The Money and Have It, Too Here are ways to save your retiring middle-net-worth clients thousands more in after-tax income right now, plus save their families many times that amount in estate taxes.  |
Investment Advisor April 2006 Melanie Waddell |
The Playing Field: Meeting the Need for Income A host of financial services firms are coming out with new products to help advisors protect their retirees' income streams. Here's a rundown of some of the companies' offerings.  |
Financial Advisor August 2010 Alan Lavine |
A Good Fit Immediate annuities fit well in retirement income plans.  |
The Motley Fool July 8, 2004 Robert Brokamp |
Retirement's Second Leg: Pensions How much retirement income can you expect from your company's pension plan?  |
Registered Rep. May 21, 2015 Kevin McKinley |
Six Questions to Ask Before Rolling Over a Retirement Account Casually and carelessly moving all of the money from a client's 401(k) or 403(b) to a self-directed IRA can mean lost opportunities, higher taxes, and unnecessary costs to the client.  |
The Motley Fool February 24, 2004 J. Graham |
Beware of Brokers Bearing Annuities Annuities may sound good, but their costs overwhelm their benefits. Stockbrokers and financial advisors love to sell annuities because of the high commissions they reap. My ex-broker sold one to me, and it has proven to be the most restrictive, highest-cost, least-liquid, and poorest-performing investment in my portfolio.  |
The Motley Fool December 4, 2009 Dan Caplinger |
Big Investors Are Fleeing Stocks. Should You? Pension funds are moving to bonds.  |
The Motley Fool August 11, 2006 Dan Caplinger |
Pension Reform and You A new law will change the way you save for retirement. Assuming that the act is signed into law, the Pension Protection Act of 2006 will provide savers with more options and greater assurance than the current set of incentives.  |
Registered Rep. November 16, 2010 Alan Lavine |
Growth Opportunities: Immediate Annuities And Qualified Retirement Plans There's a window of opportunity for financial advisors to build business: They can use annuities available in 401k plans to help workers with their post-retirement income.  |
Registered Rep. January 1, 2007 Kevin McKinley |
Immediate Annuities Equal Tax Rewards Thanks to a quirk in the tax code, using an immediate annuity may give your clients both higher income and lower taxes -- catapulting the after-tax return on an immediate annuity well beyond what is offered by other conservative fixed-income investments.  |
Registered Rep. May 16, 2013 Kevin McKinley |
The Reluctant Retiree Clients who are financially ready to retire may still need some words of encouragement.  |
The Motley Fool November 2, 2010 Dan Caplinger |
This Will Cause the Next Financial Crisis Pension funds are getting desperate, turning to risky strategies to make minimal cash.  |
Financial Planning January 1, 2010 Israelsen & Ferri |
Is a Pension a Bond? Unsure how to value a client's pension or social security? Use the liability reduction model.  |
The Motley Fool September 8, 2010 Dan Caplinger |
Where Retirees Can Find More Income Retirees need money, but guaranteed options have their drawbacks right now.  |
The Motley Fool September 23, 2009 Dan Caplinger |
The Advice Older Investors Have Been Waiting For By considering a combination of these and other strategies, you can dig yourself out of whatever hole you're in and find a way to stay comfortable in your retirement.  |
The Motley Fool March 10, 2010 Dan Caplinger |
This Strategy Will Save Your Retirement It's not just about income. Even retired investors can afford to invest a modest amount in growth stocks.  |
Registered Rep. November 14, 2014 Kevin McKinley |
Tapping Annuities for an Early Retirement Annuities can offer nearly unlimited savings potential and unique benefits that can pique the interest of would-be early retirees.  |
The Motley Fool August 18, 2006 Roy Lewis |
The Latest in Tax Laws Find out what new legislation means for your tax bill. Saver's credit made permanent... Non-spouse beneficiaries... etc.  |
The Motley Fool September 8, 2006 Ryan Popple |
Beware the Botched 401(k) While 401(k)s offer more control and impressive tax benefits, they also chronically underperform managed pension funds. We are going to need our 401(k)s for our future financial security, and we have to do a better job of managing them.  |
HBS Working Knowledge February 17, 2014 Michael Blanding |
Companies Detangle from Legacy Pensions Although new defined benefit plans are rare, many firms must still fund commitments to retirees. Luis M. Viceira looks at the pension landscape and the recent emergence of insurance companies as potential saviors.  |
BusinessWeek June 13, 2005 Nanette Byrnes |
How the Garden State Dug a Hole Borrowing aimed at boosting the assets of New Jersey's pension plans went way awry. It's a lesson to governments everywhere.  |