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Income Planning

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Gen Xers Are Staring Down The Largest Retirement Shortfall

by FA Staff

And just as bad, they're allocating 32% of assets to cash, Schroders finds.

Advisors' Most Pressing RMD Questions For The Final Weeks Of 2023

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There's a lot of confusion on who will be subject to required minimum distributions before year end.

FPA Names 2023 Best Research

by FA Staff

Four academics have been acknowledged for their work to advance the financial planning profession.

When Cash Cows Become Loss Leaders

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As more people retire, you're going to have to be a different kind of advisor.

Using Guardrails For The 4% Rule

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After Morningstar came up with a new number in 2021, two divergent opinions about the safe withdrawal rate have now reconciled.

UnitedHealth Sees 2024 Medicare Enrollment Below Estimates

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It's a sign of slowing growth in a business that has powered insurers' earnings for years.

Annuities Are Back In Fashion, But Are They Safe?

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Rising interest rates have spurred a boom in demand, but investors should take note of recent industry changes.

Consumers Pull Cash From Retirement Accounts Amid Budget Stress

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Some 2.3% of workers took a hardship withdrawal last quarter.

New Annuities Alternative Uses Longevity Pooling For Higher Monthly Payouts

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LifeX will be available to people between ages 60 and 75.

Higher Bond Yields Mean Retirees Can Pull A Bit More From Savings

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Morningstar says retired workers can now safely withdraw 4% a year, up slightly from a 2022 analysis.

Morningstar: New Retiree Safe Withdrawal Rate Is 4%

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And with guardrails in place, retirees can pull 5.2% safely, the research firm said.

Politics Influencing Investment Decisions, Nationwide Finds

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Many Americans fear the 2024 presidential election could affect their retirement plans.

Working With Grieving Spouses And The Social Security Administration

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Advisors must be prepared when clients meet with the Social Security Administration.

Annual IRS Hike Of 401(k) Contribution Rises By Only $500

by FA Staff

The increase is much less than the $2,000 hike that savers saw this year.

Higher For Longer Mantra Confounds Bond Investors

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What do fixed-income investors say when 15 years of sleepy interest rates suddenly perk up?

Getting Over The Annuity Hurdles

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If you think handling annuities is a problem, you're not alone.

Even Affluent Earners Face Retirement Shortfalls

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Only exceptionally high earners are poised to fund all their retirement needs, says a Vanguard study.

Michael Kitces Warns Advisors About Sequence Risk, Defends 4.0% Rule

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The risk that Americans will face poor returns early in retirement is greater than it's been in years, he says.

Women Feel Less Financially Secure Than Men, Study Says

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But younger women feel more optimistic, according to the Northwestern Mutual report.

Annuities Correlate With Improved Retiree Financial Behaviors, Survey Finds

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Now that RIAs have figured out how to charge for an annuity, firms are benefiting, too.

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