Advice

The Insurance Industry Doesn’t Know Fee-Only Fiduciaries Exist; Observations And Attendee Reaction To Bob Keebler’s Webinar About Retirement Income Planning

Retirement income planning has always focused on reaching a wealth accumulation goal by the time of a client’s retirement date, but managing assets after retirement to maximize income is ultimately what’s most important.   That was the subject of Bob Keebler’s recent webinar session. At a rapid clip, Keebler ticked off pitfalls, problems, and solutions -- why distribution planning is so important, the five-dimensional tax world practitioners must suddenly navigate, the...

How Advisors Can Help UHNWI Clients' Children With The College Selection And Admissions Process; Plus: College Inflation Rate Is Even Worse Than Everyone Thinks

  These statistics on the cost of college come from the College Board, an association for 6,000 of the world's educational institutions. College Board’s annual Trends Reports is relied upon by financial planners and the  press as the “gold standard” for measuring college inflation.   However, the statistics don't tell the full story. They actually mask a hidden price increase at U.S. colleges.   According to Bruce Neimeyer, of Global Search...

Commenter On Retirement Income Planning Session: “This Webinar Allowed Me To Begin Outlining A Method Of Addressing My Client's Question Directly”

Thanks for the positive feedback about last Friday’s webinar about retirement income planning.  That headline captures the most poignant of many comments from attendees.   At the session, which is available for replay and continuing education credit, Manish Malhotra of Income Discovery, a sophisticated new retirement income modeling app, shows innovative and intricate ways to find optimal retirement income solutions. The session and CE credit are free to A4A...

An Open Letter To Clients

With continued economic and political uncertainty, how do we convince our clients to stay the course? Ongoing communication is critical. Here is an excerpt of what I sent to my clients with their third quarter reports:  

The Real ObamaCare

Dear Readers, We hear a lot of contradicting media hype on ObamaCare. Without getting into the details of ObamaCare, I wanted to share this unsolicited letter that I received from a client. It was enlightening to me! Thanks, Sheryl

Helping Clients With College Advice

If you're helping clients with college funding, then you are talking with clients and their about more than just financial matters. You probably need to talk about which college is right or whether going to college is the best decision. So here's a new app that you might want to tell clients about to help their children find a college. 

Men Are Idiots, Fidelity Research Shows; Women Remain Less Confident Than Men About Investing And Retirement Decisions

Men are such idiots, according to a Fidelity study. Okay, that’s not exactly the way Fidelity worded it in its press release.   “When asked to assess their confidence level in taking full financial responsibility of retirement decisions from a spouse if necessary, many women are more confident in their partners’ ability than their own,” says the press release.   And here’s the part showing what dummies men are:

Some Clarity For Same Sex Couples

The tax laws for same sex couples have been and continue to be confusing.  Yet, for those of us advising these clients, we must be informed and clear on the topic – and that means we need to alert them to the possibility of filing amended tax returns.

Three Year-End Planning Moves You Must Do This Year

Tax laws have changed and our clients are facing higher taxes than they’ve had in decades. They don’t understand the ins and outs. So, if they are surprised, they’re going to be looking at you and wondering why you didn’t help them.  Of course, advisors should be applying tax-wise strategies in their clients’ portfolios all during the year.  But, this year – more than ever – advisors need to consider year-end planning.

Year-End Tax Planning Is A Changed Game

Year-End Tax Planning Is A Changed Game For 2013; New Taxes On UHNWIs Requires Professonal Attention from Advisors4Advisors   Likening the tax situation to when Major Leage Baseball instituted the designated-hitter, Keebler says, the financial advisors who will win most with their clients and prospects are those who adjust quickest by learning the new rules of the tax game.   Some additional bits of tax wisdom Keebler covered: Couples with more than $1.6...

Seven Tips For Financial Planners Advising Same-Sex Couples In A Post-DOMA World

The Defense of Marriage Act (DOMA), which defined marriage as the union of one man and one woman, has been overturned by the Supreme Court and ruled unconstitutional. The federal government will now grant full legal status to marriages valid under state law, including same-sex marriages.  

Becoming Debt-Free: Something Financial Advisors Should Explore With All Older Clients

  Many things change as you grow older. I’m not talking about declining physical and mental capabilities that generally accompany old age. I’m talking about your outlook on life; the rest of your life, which you realize is downhill now. This realization changes how you look at life in general. It also allows for retrospection. In my case, retrospection has been somewhat painful, primarily because I grossly underestimated how long I will live. I based my beliefs on my...

I’m Not Worried About Outliving My Money, I’m Worried About My Wife Outliving Hers

  When I retired at age 60, I did not worry about outliving my money. Instead, I worried about my money outliving me. I never expected to live to be 65 or 70– no way 75. At 82, I still am not worried about outliving my money. Thanks to income generated from a timely real estate sale and two subsequent purchases, I’m pretty much assured sufficient income for the rest of my life.

You Don't Have To Spend A Ton On A Funeral, Says An Industry Insider

  For advisors who don’t think they’re business is being disrupted, this should be a real eye-opener—forgive the pun: The director of the Funeral Consumers Alliance recently posted about to get a “send-off” that fits your taste and budget.   Joshua Slocum, who leads FCA, “a nonprofit organization dedicated to protecting a consumer's right to choose a meaningful, dignified, affordable funeral,” offers a breezy read into planning a funeral,...

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