1. Stop Analyzing Social Security!
(Matching tags: social security,retirement planning,financial planning)

As a financial advisor, I frequently get asked when it’s best to take Social Security benefits.  To do a thorough evaluation requires calculating the benefit amounts based on various starting ...

2. Free Social Security Benefits Evaluator Determine An Appropriate Social Security Strategy That Aligns With Financial Goals
(Matching tags: social security,income planning,marketing,differentiation,client education)

T. Rowe Price has launched the Social Security Benefits Evaluator, a free online calculator to help individuals decide what Social Security strategy may be suitable for their financial goals. Advisors ...

3. Middle-Class Taxpayers May Have Skirted The Worst Tax Increases Now But Tax Creep Will Make Them Subject If Two Stealth Taxes Are Left Intact
(Matching tags: social security,Taxes,new tax rules)

Middle-class taxpayers may have skirted the tax increases of the fiscal cliff but two stealth tax hikes will surely affect them if left unchecked.   The .9% surcharge on earnings over the $200,000 ...

4. Recent Reports Show Fears Of The Elderly Are Justified; Average Length Of Retirement Exceeds Average Retirement Life Of Savings
(Matching tags: retirement income,retirement planning,social security)

Recent reports shed new light on the reality of the fears of the elderly for their futures. Despite all the talk of government benefits and retirement income plans, the reality of the situation is stark. ...

5. Survey Shows Americans' Views Of Social Security Fix Is Quite Different Than That Of Lawmakers
(Matching tags: Congress,Economic Outlook,social security)

A new survey says that most Americans want Social Security to stay, even if it means raising payroll taxes on American workers.   The study conducted by the National Academy of Social Insurance ...

6. Business Roundtable Recommends Raising Retirement Age For Social Security And Eligibility Age For Medicare To 70
(Matching tags: business owners,Congress,social security)

The Business Roundtable representing CEOs of major US corporations recommended increasing eligibility ages for Social Security and Medicare as a way to bolster the two programs.   It would raise ...

7. Wharton Professor Mitchell Says US Should Look To Foreign Retirement Systems For Domestic Fix In Advisor One Interview
(Matching tags: Congress,retirement,social security)

The US might do well to follow the example of foreign retirement income systems in its approach to fixing Social Security.   That would require stepping back and looking beyond Congress’s ...

8. Proposed Changes To The COLA Index Could Dramatically Impact Some Clients' Retirement Plans
(Matching tags: cola index,pensions,social security,retirement planning)

A proposal to cut Social Security benefits is being kicked around Congress and gaining  traction. Of course, Congress is not talking about directly cutting Social Security payments. They are ...

9. Maximizing Social Security Benefits For Couples Is Commonly Discussed; Is There A Way For Singles To Also Maximize Their Benefits?
(Matching tags: retirement income,retirement planning,social security)

Married couples have multiple options for maximizing their Social Security benefits. But what about singles?   Most people think there is only a straight path to benefits for singles but Mary ...

10. Social Security Benefits To Go Up In 2013 But Will Likely Be Offset By Increases In Medicare Costs
(Matching tags: Boomers,social security,medical insurance)

Social security benefits recipients will get an increase in benefits from a cost-of-living raise of 1.7% in 2013, almost half of the 3.6% increase received in 2012.  ...

11. Think The Pension Crisis Doesn't Affect You? A Look Into The Reach Of Pensions Shows Otherwise
(Matching tags: retirement plans,retirement income,social security)

What do pension funds have to do with your practice? Underfunded pensions threaten states’ ability to survive fiscally and they threaten retirees’ daily lives. They also affect the stability ...

12. How To Take Into Account Life Expectancy In Retirement Plans
(Matching tags: monte carlo,pensions,social security,retirement planning,volatility)

One of the biggest variables that confront advisors and their clients when planning retirement is the clients’ life expectancy. Some clients like to use the life expectancy of their age group or ...

13. If Your Clients Have Not Saved Enough For Retirement, Understanding Social Security's Spousal Benefits Options Might Help
(Matching tags: retirement planning,social security,US investing)

Many Boomers have failed to save enough money to support the type of lifestyle they’d like to lead during retirement. And although Social Security doesn’t provide nearly the amount of security ...

14. How Changes In Volatility Can Impact Retirement Plans
(Matching tags: monte carlo,pensions,social security,retirement planning,volatility)

Over the past two decades the finance industry has come to embrace dynamic analysis such as Monte Carlo. The increase in volatility in the stock market has made this necessary while the increase in ...

15. Delaying Receipt Of Social Security Benefits Should Be A Targeted Strategy In Retirement Planning
(Matching tags: social security,retirement planning,IRA,401(k))

Clients who put off taking their Social Security benefits not only get a larger check when they do start tapping the fund, they also end up buying an annuity that pays much better in today’s low ...

16. For Financial Planners, This Is One The Most Important Stories Of The Year
(Matching tags: stress test,investment strategies,investing for income,social security,retirement planning,retirement income,advisor industry people)

Wade Pfau on Friday explained why the 4% “safe” withdrawal rate being relied on by many of the nation’s top financial planning professionals may not really be so safe for retirees. An ...

17. Legislation After The Election Will Be Particularly Impactful On The Investment Landscape
(Matching tags: retirement,Congress,social security,debt)

There are multiple factors that determine how much money your clients will need in retirement. The issues facing Congress from a budget standpoint are right in there with them. Calculators that help ...

18. How To Help Clients Understand The Impact Of A Cut To Their Pension
(Matching tags: pensions,social security,retirement planning)

Defined-benefit pensions used to be much more prevalent 50 years ago. Many of our grandparents and parents would work for the same company for decades and then count on a solid stream of pension payments ...

19. Helping Clients Figure Out When To Take Social Security
(Matching tags: social security,retirement planning)

There seems to be quite a bit of confusion out there when it comes to the ideal age to take social security payments. Some people think it’s best to wait until they’re 70. Some think it’s ...