Retirement

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Future challenges for the advice business
RETIREMENT PLANNING NOV 15, 2021
Future challenges for the advice business

Seven industry notables offer their views on what the financial advice business will look like in coming years.

Medicare premiums, IRMAA surcharges to rise in 2022
RETIREMENT PLANNING NOV 12, 2021
Medicare premiums, IRMAA surcharges to rise in 2022

The 15% hike in the Medicare Part B premium is one of the largest annual increases in Medicare’s history, as COVID-related expenses and a new Alzheimer drug drive costs higher.

Average 401(k) balance dropped in Q3: Fidelity
RETIREMENT PLANNING NOV 12, 2021
Average 401(k) balance dropped in Q3: Fidelity

At the same time, the average IRA balance saw a slight uptick. A recent survey shows many people have low estimates of how much they will need to retire, and a paper explores the need to update the 4% rule.

Breathing new life into old-school 60/40 models
EQUITIES NOV 12, 2021
Breathing new life into old-school 60/40 models

As more advisers and pundits lean toward heavier allocations to stocks over bonds, there are still ways and reasons to benefit from fixed income.

SALT cap is poised to get looser as Democrats debate tax relief
REGULATION AND LEGISLATION NOV 12, 2021
SALT cap is poised to get looser as Democrats debate tax relief

House Democrats have proposed increasing the cap to $80,000 from $10,000 through the end of the decade; Senate Democrats are working on a less generous option.

Creative Planning picks up Lockton's U.S. retirement business
RIAS NOV 11, 2021
Creative Planning picks up Lockton's U.S. retirement business

The deal expands Creative Planning’s presence in the retirement plan business by about $110 billion and gives it access to the large-plan segment of the 401(k) market.

ESG still scant in DC plans, used more in public sector
RETIREMENT PLANNING NOV 10, 2021
ESG still scant in DC plans, used more in public sector

ESG is only used in 5% of corporate DC plans, according to Callan. Use by institutional investors also varies a lot by geography.

Confusion about Medicare plagues older workers
RETIREMENT PLANNING NOV 09, 2021
Confusion about Medicare plagues older workers

Contributions to health savings accounts can trip up enrollment after the age of 65.

Bipartisan House bill would help workers keep track of retirement plans
RETIREMENT PLANNING NOV 09, 2021
Bipartisan House bill would help workers keep track of retirement plans

The legislation would also expand access to workplace plans by creating more opportunities for part-time workers to join and allowing 403(b) plans to participate in multiple-employer and pooled employer plans.

Tax Management and Tracking Error: You Can’t Have One Without the Other
TAX NOV 09, 2021
Tax Management and Tracking Error: You Can’t Have One Without the Other

Investors may bristle at the mere mention of tracking error—but that’s what helps them keep more of their money while maximizing their after-tax returns.

What Ascensus purchase of Newport Group means for advisers
RETIREMENT PLANNING NOV 08, 2021
What Ascensus purchase of Newport Group means for advisers

Last week’s announced purchase of Newport Group by Ascensus comes on the heels of Empower’s purchases of MassMutual’s and Prudential’s record-keeping divisions.

Mutual fund investors brace for hefty capital gains taxes
EQUITIES NOV 08, 2021
Mutual fund investors brace for hefty capital gains taxes

As fund companies start to post annual tax distributions, more than 110 funds are already showing capital gains distributions of more than 20%.

Price check on Kroger's 401(k) fees showed overcharge, lawsuit claims
RETIREMENT PLANNING NOV 08, 2021
Price check on Kroger's 401(k) fees showed overcharge, lawsuit claims

The law firms that filed the case point to record-keeping fees that were higher than those for other plans they identified.

401(k) contribution limits going up next year
RETIREMENT PLANNING NOV 05, 2021
401(k) contribution limits going up next year

The IRS is also increasing the income ranges for eligibility to make deductible contributions to traditional and Roth IRAs, as well as to claim the Saver’s Credit.

Tilt odds in clients' favor to win year-end Roth conversion bet
RETIREMENT PLANNING NOV 04, 2021
Tilt odds in clients' favor to win year-end Roth conversion bet

Congress has retirement accounts in its sights for future tax increases, but financial advisers can help their clients make some defensive moves now.

A huge opportunity for RPAs: Health care
OPINION NOV 04, 2021
A huge opportunity for RPAs: Health care

As retirement plans shifted from employer funded to employee funded, that has also happened over the past decade with health care plans.

Should RPAs seek to control their own DC record-keeping platforms?
OPINION NOV 04, 2021
Should RPAs seek to control their own DC record-keeping platforms?

Does it make sense for advisers to enter this space and compete? Sending those clients off platform and hoping to get them back when work separation occurs seems illogical.

5 important Social Security issues for women
TAX NOV 04, 2021
5 important Social Security issues for women

Discover 5 of the most common misconceptions your female clients may have about Social Security and how you can help them maximize their benefits as part of an overall retirement strategy.

Mega-IRA tax changes resurface in draft of House bill
REGULATION AND LEGISLATION NOV 04, 2021
Mega-IRA tax changes resurface in draft of House bill

The measure would place limits on individual retirement accounts, including preventing contributions to accounts once they reach $10 million, and give the IRS more oversight over them.

'Next best dollar,' a benefits application for retirement plan advisers
RETIREMENT PLANNING NOV 03, 2021
'Next best dollar,' a benefits application for retirement plan advisers

There's a war for talent heating up, fueled by the Great Resignation and more workers retiring as a result of the pandemic, which makes benefits more important than ever.