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| Spending Rates in Retirement Are Modest |
| When Vanguard first started its research on retirement spending, it assumed, as many financial planners do, that retirees look at all assets in all accounts and make a plan to draw down from all accounts. However, the research found four cornerstone accounts—DC plans, IRAs, mutual funds and brokerage accounts—are prized as long-term holdings.
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| Plan Participants Need Understanding of Roth Accounts |
| Many U.S. employers are missing out on an opportunity to help employees with their financial well-being by not offering or fully explaining and promoting the benefits and value of Roth 401(k) contributions, according to retirement experts at Willis Towers Watson. Retirement plan advisers can help them.
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| Clear Link Between Traditional IRAs and Rollovers |
| According to ICI data, at year-end 2014, nearly a third of Roth IRA investors were younger than 40, compared with just 15% of traditional IRA investors. There are significant differences between traditional and Roth IRA investors, yet both vehicles provide savers with important flexibility in their retirement savings options.
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| Rollovers Under the Fiduciary Rule |
| The new DOL fiduciary rule, which applies starting April 10, 2017, does allow you to provide distribution or rollover advice; however, there are special requirements for doing that. The first thing to consider is, what exactly constitutes fiduciary “advice” in this context.
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| Income Planning Requires Annuity Know-How |
| Two in three older advisory clients are seeking help with income planning, but only one-third of financial professionals actively advise about indexed annuities.
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