PLANADVISER Weekend Newsdash
Week ending August 5th, 2016
NOTE FROM THE EDITOR
Happy Friday, readers! In a recent conversation with PLANADVISER, one provider executive suggested she is “very optimistic about our industry’s chances of solving the DC retirement income question, but we’re only in the infancy of this effort.” The Department of Labor fiduciary rule will shape more than delay progress on improving individual retirement accounts and access to annuities, she speculates. In that spirit, collected below is a handful of articles on the best ways to use IRAs to shape and control retirement spending for clients.
Editor's choice
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. Read more >
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. Read more >
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. Read more >
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. Read more >
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. Read more >
MOST POPULAR STORIES
‘Secure Act 2.0’ Likely to Become a Reality

Retirement Plan Execs Confident Senate Will Pass the Bill Into Law

10th Circuit Affirms Great-West Fee Suit Dismissal

The district court ruling in the case, now backed by an appeals court, stands out for having been filed alongside a sanction declaring the plaintiff’s law firm Schlichter Bogard & Denton behaved “recklessly.”

Scrutinizing TDFs and Considering Balanced Funds
Both options hold more than a trillion dollars in assets; weighing their relative merits remains an important task for advisers and their clients.
Seeing the Bigger QDIA Picture
Are custom solutions worth the effort? Is passive more appropriate than active? It all depends on the adviser and the client.
With Prudential Acquisition, Empower Aims for Growth Up to 3x Faster Than Other Recordkeepers

The CEO of the nation’s No. 2 recordkeeper says Empower’s focus will continue to be on a best-in-class user experience.

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