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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
  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
  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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