In Practice

The top area giving employees the most financial stress is saving enough to meet retirement goals.

Millennials and those with balances lower than $20,000 are at the greatest risk for cashing out.

Word is this Super Bowl will be Broncos quarterback Peyton Manning’s last game before retiring.

Households oppose changing tax incentives for retirement saving, says an ICI survey.

An analysis by Fidelity indicates 401(k) investors who stuck with equity allocations after the 2008 financial crisis fared better than those who didn’t.

Small business owners are looking at retirement plans to replace health benefits as an attraction and retention tool.

The adviser-as-portfolio manager approach to client service can be a real differentiator, but it can also hamper a firm with significant liability and serious amounts of legwork. 

Millennials are doing a good job of putting aside savings, but retirement is not the top reason.

 

A new cut of the Fidelity RIA Benchmarking Study shows many in firm leadership positions struggle to understand and articulate practice value. 

Money issues are sensitive, especially for couples.

Most pre-retirees and retirees surveyed said they would not have been as financially successful without a formal written retirement plan.

Any discussion about improving lifelong financial security should include discussions about managing student loan debt, researchers conclude.

“If anyone were ever poised to invest with confidence, it’s the black community,” says Mellody Hobson, president of Ariel Investments.

Over the last decade, financial advisers have been moving from commission- to fee-based models.

Is it realistic to expect that older individuals will be able to work longer?

Like any challenging labor in life or business, running a target-date fund portfolio successfully requires careful attention and a keen sense of balance.

Help with student loans joins retirement, health and vacation benefits as a priority.

Employer retirement and health care benefits have less influence on employees’ retirement decisions.

Ongoing withdrawals from savings could jeopardize people’s future, LIMRA says.

What are the winning questions that help you winnow candidates, and what are your favorite practices?