Nerd's Eye View

APRIL 21, 2025

While this approach works for many clients, individuals who are 12 months away from retirement face a range of complex financial and emotional considerations. In this guest post, Jason Siperstein, president of Eliot Rose Wealth Management, introduces his firm's innovative ten-meeting process for first-year clients nearing retirement.

Retirement 130

Retirement Clients Planning Estate Planning 130

Wealth Management

MAY 28, 2025

The Department of Labor rescinded its 2022 guidance cautioning against cryptocurrency in 401(k) plans, reaffirming a neutral stance on digital assets in retirement accounts.

Retirement 287

Retirement Accounting Assets Planning 287

Wealth Management

APRIL 9, 2024

Adopting an adaptive approach to retirement planning acknowledges the dynamic nature of spending patterns and emphasizes flexibility in financial strategies.

Retirement Planning 317

Retirement Planning Retirement Planning 317

Wealth Management

MARCH 31, 2025

Introducing a new column tackling the realities of retirement that idealized financial services ads don't show you.

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Retirement Financial Services 240

NAIFA Advisor Today

JUNE 13, 2025

For financial advisors helping clients prepare for retirement, understanding and planning for the costs associated with Medicare is critical. While these costs are often lower than those incurred through pre-65 health insurance, they remain significant, especially when viewed over a multi-decade retirement.

Retirement Planning 111

Retirement Planning Retirement Planning Healthcare 111

Nerd's Eye View

JUNE 6, 2025

Also in industry news this week: ETFs remain the most commonly used investment vehicle among advisors, according to a recent survey, while some "alternative" assets saw the greatest growth rates in terms of adoption over the past year Several large brokerages have jettisoned their robo-advisor arms, signaling the challenges they faced in acquiring (..)

Financial Planner 246

Financial Planner Retirement Retirement Planning Clients 246

Wealth Management

SEPTEMBER 11, 2024

For an upfront purchase price of $50 million, the deal brings $47 billion of assets in the emerging and mid-market retirement plan segments and competitive ESOP administration.

Retirement Planning 290

Retirement Planning Retirement Planning Assets 290

Wealth Management

JUNE 17, 2025

RIAs can create a potential client stream if they commit to a 401(k) channel that includes participant education and touchpoints, said panelists at Wealth Management EDGE last week.

Retirement Planning 196

Retirement Planning Wealth Management Retirement Planning 196

Wealth Management

JANUARY 30, 2025

Florida is the best state to retire in in 2025. But after that, states out West like Colorado and Wyoming rank high for retirement.

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Retirement 264

Wealth Management

JUNE 2, 2025

Private asset manager Partners Group appointed Anastasia Amoroso as managing director and chief investment strategist for private wealth and retirement.

Investing 268

Investing Investments Retirement Assets 268

A Wealth of Common Sense

MARCH 9, 2025

I have some good news and bad news about the state of retirement savings for Americans. Torsten Slok shows half of American households have no retirement assets to speak of: Young people still have time to play catch-up. It’s scary so many people 65 and older have no retirement assets to lean on. This is not great.

Retirement 115

Retirement Assets 115

A Wealth of Common Sense

FEBRUARY 13, 2025

Barry Ritholtz joined me on the show this week to discuss questions about timing market corrections with your savings account, how your portfolio should look heading into retirement, managing your parent’s financial plan and how to force yourself into splurging a little when you have more than enough money.

Retirement 115

Retirement Financial Planning Accounting Portfolio 115

A Wealth of Common Sense

DECEMBER 5, 2024

The post Are You on Track For Retirement? Further Reading: 10 Money Revelations in my 40s 1And these peer rankings are net worth figures. This reader didn’t mention how much debt or home equity his family has, if any. appeared f.

Retirement 116

Retirement Assets Accounting Management 116

Nerd's Eye View

NOVEMBER 25, 2024

To start, Taylor refined his ideal client profile to focus on those he could best serve: diligent savers over age 50 with a retirement nest egg between $2M and $10M. These clients, typically in or near retirement, face key challenges like reducing taxes, managing investment risk, and maximizing income.

Financial Planning 235

Financial Planning Sales Planning Retirement 235

Darrow Wealth Management

FEBRUARY 9, 2025

The idea of living off dividends in retirement sounds nice, but investors often don’t realize how much money they’ll need invested to generate enough income from dividends to cover lifestyle expenses. You may need more money than you think to retire on dividends. Retire on dividends?

Retirement 85

Retirement Asset Allocation Taxes Portfolio 85

Wealth Management

JANUARY 17, 2025

The SEC claims Vanguard made misleading statements about capital gains distributions and tax consequences to retail investors who held target date funds in retirement accounts.

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Retirement Distribution Retail Accounting 255

Wealth Management

JUNE 18, 2025

Explore three mega-trends in private market investing, including big partnerships, semi-liquid structures and retirement plan integration.

Retirement Planning 214

Retirement Planning Marketing Marketing Retirement 214

Nerd's Eye View

NOVEMBER 29, 2024

Also in industry news this week: While many financial advisors are paying close attention to the potential extension of sunsetting measures within the Tax Cuts and Jobs Act (TCJA) in the coming year, legislation related to retirement savings could be on Congress' agenda as well Fidelity is planning to change the default for its existing RIA non-retirement (..)

Financial Planner 246

Financial Planner Financial Advice Retirement Financial Advisor 246

Wealth Management

SEPTEMBER 19, 2024

A new survey from Wealth Enhancement Group found many people feel behind on retirement plans but aren’t doing enough to set and meet clear goals.

Retirement 288

Retirement Financial Advisor Retirement Planning Planning 288

Nerd's Eye View

FEBRUARY 12, 2025

Notably, estimating benefits in this way isn't a simple 'back-of-the-envelope' calculation, given the complexity of the rules determining the calculation of Social Security retirement, spousal, and survivor benefits.

Retirement 245

Retirement Clients Government Planning 245

Wealth Management

APRIL 2, 2025

The repeal of the Government Pension Offset and Windfall Elimination Provision is creating major ripple effects for state employees and public sector professionals nearing retirement.

Retirement Planning 235

Retirement Planning Retirement Planning Government 235

Abnormal Returns

OCTOBER 28, 2024

artofmanliness.com) Ben Carlson talks about the state of the retirement savings market with Shawn O'Brien, Director of Retirement at Cerulli Associates. advisorperspectives.com) Does risk tolerance change in retirement? youtube.com) The biz Why Hightower Advisors is buying an institutional investment consultant.

Risk Tolerance 271

Risk Tolerance Retirement Financial Planning Consulting 271

Nerd's Eye View

JANUARY 17, 2025

Also in industry news this week: A recent survey indicates that members of Generation X are struggling more with retirement planning compared to older Baby Boomers and younger Millennials, potentially offering opportunities for financial advisors to help Gen Xers create a plan to 'catch up' when it comes to both their retirement savings and their financial (..)

Financial Planner 246

Financial Planner Retirement Planning Retirement Financial Advisor 246

Wealth Management

SEPTEMBER 5, 2024

Here are the good, the bad, and the ugly details that advisors and next-generation inheritors need to be aware of before signing on the dotted line.

Retirement 298

Retirement 298

Nerd's Eye View

JANUARY 15, 2025

This lack of clarity made retirement planning significantly more challenging. Now that the WEP and GPO have been repealed, retirement planning will be significantly easier going forward. In response, Congress passed the Social Security Fairness Act at the end of 2024, repealing the WEP and GPO in full.

Government 246

Government Planning Retirement Planning Retirement 246

Nerd's Eye View

NOVEMBER 22, 2024

Also in industry news this week: Why the announced acquisition of RIA custodian TradePMR by retail brokerage firm Robinhood could prove to be a boon for RIAs on TradePMR's platform, who could receive a wave of referrals from Robinhood's massive base of next-generation retail clients How Morningstar is cutting the "Medalist Ratings" of thousands of (..)

Financial Planner 246

Financial Planner Retirement Retail Retirement Planning 246

Abnormal Returns

JUNE 18, 2025

(peterlazaroff.com) Retirement Retirement is a marathon, not a sprint. bestinterest.blog) Why the first year of retirement is a unique challenge. npr.org) Nobody cares more about your retirement than you do. tonyisola.com) Personal finance Why it's hard to reduce your pre-tax retirement balances. Here's one method.

Retirement 157

Retirement Financial Advice Taxes Numbers 157

Nerd's Eye View

JANUARY 22, 2025

Some prospects approach an advisor with an immediate 'problem to be solved', such as a fast-approaching retirement date. I help clients in retirement by doing X, Y, and Z."). These situations often narrow the focus of the prospecting conversation, giving the advisor a clear opportunity to affirm their value (e.g., "I

Financial Advice 239

Financial Advice Financial Planning Retirement Clients 239

Nerd's Eye View

MAY 30, 2025

Also in industry news this week: In the continued absence of formal SEC guidance on advisory firm use of Artificial Intelligence (AI), many firms are taking a curious, but cautious, approach toward adopting AI-powered tools A recent report identifies the growing total wealth controlled by women in the U.S.

Financial Planner 225

Financial Planner Risk Tolerance Retirement Retirement Planning 225

Wealth Management

JUNE 5, 2025

CFPB petitions to vacate Section 1033 Open Banking Rule, potentially slowing innovation in wealth management and retirement sectors, affecting consumer choice.

Wealth Management 183

Wealth Management Banking Management Retirement 183

Nerd's Eye View

OCTOBER 2, 2024

raising the payroll tax wage cap or increasing the Full Retirement Age) that would close the funding gap. Which might come as a surprise to clients who assume that the exhaustion of trust fund reserves would mean that no (or very little) benefits would be paid! the board of trustees report estimates that a 3.33

Retirement 246

Retirement Clients Financial Planning Taxes 246

Nerd's Eye View

MARCH 28, 2025

Also in industry news this week: A recent survey indicates that younger "DIY" investors are more likely to be interested in working with a human advisor than their older counterparts, suggesting an opportunity for advisors to tap into this demographic (perhaps by setting minimum planning fees that ensure these clients can be served profitably today (..)

Financial Planner 228

Financial Planner Retirement Retirement Planning Clients 228

Abnormal Returns

NOVEMBER 6, 2024

Podcasts Christine Benz and Amy Arnott talk the state of retirement with Anne Tergensen of the WSJ. kindnessfp.com) How to think about taxes in early retirement. humbledollar.com) How to retire without regrets. morningstar.com) Barry Ritholtz talks shareholder yield with Meb Faber of Cambria Investments. Quit playing.

Estate Planning 167

Estate Planning Tax Planning Retirement Taxes 167

Wealth Management

OCTOBER 24, 2024

Discover how Protective Aspirations variable annuity can be strategically utilized for long-term financial confidence through features such as SecurePay Reserve.

Retirement 257

Retirement 257

Nerd's Eye View

DECEMBER 27, 2024

Also in industry news this week: According to a recent survey, advisors are putting an increasing share of client assets into model portfolios, allowing for customization and time savings that advisors appear to be using to provide more comprehensive planning services RIA M&A deal volume saw an annual record in 2024 as a lower cost of capital, (..)

Financial Planner 246

Financial Planner Insurance Coverage Insurance Valuation 246

Abnormal Returns

JUNE 16, 2025

kitces.com) Josh Brown and Nick Sapienza break down a real-life case study of couple with $3 million in assets and a desire to retire. alphaarchitect.com) Advisers How to plan for purpose in retirement. (youtube.com) Michael Kitces talks compliance with Leila Shaver, founder of My RIA Lawyer.

Estate Planning 157

Estate Planning Compliance Engineering Retirement 157

Wealth Management

JULY 18, 2024

Tom Taylor, who's been with Cetera for nearly three decades, will depart at the end of the year, while the firm searches for a replacement.

Retirement 289

Retirement Sales 289