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December 28, 2012
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Financial and wealth management news for the retirement community

  Top News 
  • A formula for shielding fixed income from inflation
    Inflation can signficantly reduce a retiree's purchasing power, retirement planner Henry Hebeler writes. A solution, he writes, is to multiply the after-tax value of one's annual fixed-income amount by one's age, then divide the result by 100. That's the amount it's safe to spend, and the rest should be invested. "[I]f you spend all of your after-tax pension or annuity each year, you are likely to lose over half of the purchasing power before you die," he writes. MarketWatch/The RetireMentors blog (12/27) LinkedInFacebookTwitterEmail this Story
Why Platform Matters When Choosing an ERP System
In order to survive, grow, and compete in the digital age, organizations need an ERP that is highly flexible and able to adapt. So, what are the tough platform questions you should ask yourself when shopping for an ERP?
Download the report to find out!
  Industry Update 
  • Baby boomers will benefit greatly from Affordable Care Act
    Baby boomers nearing retirement stand to benefit the most from the Affordable Care Act, Christine Dugas writes. The law will prevent coverage denial for those with pre-existing conditions, remove lifetime and annual dollar limits, and limit the ability of insurers to charge people more based on their age. Although there is no guarantee of lower costs, exchanges will provide a competitive one-stop marketplace for health insurance. USA Today (12/27) LinkedInFacebookTwitterEmail this Story
  • Other News
Get with the flow. How payment processing affects cash flow.
Cash flow is the lubricant of business. Without a healthy cash flow, business dries up. It stops. It can't function. Which is why it is vital to keep the revenues coming in as the expenses go out. But there's one aspect of cash flow that many of us are not aware of. It is how managing credit cards and other such non-cash payments affect cash flow. Turns out it has a huge affect. Download the free guide today.
  Financial Literacy 
  • Sometimes keeping an old 401(k) makes sense
    There are four situations in which it's not smart to roll over an old 401(k) into an IRA, Mike Piper writes. If your old 401(k)'s investment choices are better or cheaper than those in an IRA -- such as with the federal government's Thrift Savings Plan or a company with Vanguard "institutional" class mutual funds -- it's best to keep the 401(k), he writes. Other reasons not to roll over: You plan to retire between 55 and 59½, you're planning to convert your IRA to a Roth IRA or your 401(k) is heavy in company stock. MarketWatch (12/28) LinkedInFacebookTwitterEmail this Story
  On the Economy 
  Building Your Practice 
  • What to consider when hiring an associate wealth adviser
    Advisory-firm leaders should consider four areas before they hire a wealth adviser, Ron Carson writes. Leaders must ask what role they want a new adviser to play, what personality is the best match for that job, whether the new associate needs to bring along a book of business and how to compensate the new hire to encourage success. (12/27) LinkedInFacebookTwitterEmail this Story
  • Protecting clients' assets from lawsuits
    Advisers have a role to play in helping clients shield their assets from lawsuits, lawyer Hillel Presser says. Personal inheritances, homes, Web domain names and intellectual property can be vulnerable in a lawsuit. Presser recommends equity-stripping, converting assets into exempt categories and shielding assets behind a business structure to protect clients. AdvisorOne (12/26) LinkedInFacebookTwitterEmail this Story
No one has the right to be sorry for himself for a misfortune that strikes everyone."
--Marcus Tullius Cicero,
Roman philosopher and statesman

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