Sentences with phrase «clients plan for retirement»

«I've seen clients plan for retirement by banking on their savings and their home being paid off,» he says.

These drops in the number of advisors, the average number per firm and the advisors remaining who actually help clients plan for retirement, ultimately leaves consumers with less access to advice.

Tax deferral laws make annuities a great option for clients planning for retirement.

For example, are the adviser's other clients planning for retirement or are they young families wanting to save for their children's education?

Not exact matches

He argues that everyone uses money for different purposes — from facilitating adventure to serving their community to supporting their family — yet most financial planning assumes clients have one of two possible goals: preparing for retirement or accumulating more possessions.

In the example of retirement planning, a CFP ® professional can be tasked with measuring the client's progress saving for retirement.

Financial planning software, or even simple Excel spreadsheets, can be used to determine if the client has enough money saved for retirement, or if the client has enough life insurance coverage, if the client's portfolio is well diversified and appropriately allocated given their risk tolerance and timeline to retirement.

To land on the list, firms had to have a focus on financial and retirement planning for individual and high - net - worth clients.

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Disclaimer: As an Investment Advisor Representative, I act as a fiduciary and give retirement planning and investment advice to my clients in exchange for a fee.

«Vestwell's mission to make retirement plans affordable and accessible for all investors is reflective of our own hope: to empower fearless investing by providing investors with their true risk tolerance, and helping advisors align portfolios in the best interests of their clients,» said Aaron Klein, CEO of Riskalyze.

To help advisors and their clients make the most of these assets, we identified seven frequent and costly mistakes that they can make when performing estate planning for retirement assets and how to avoid them, including:

Plan ahead... way, way ahead: This tip is really more applicable to younger retirement savers, but the fact is, the sooner a client starts planning for early retirement, the better the chances of achieving that early retirement.

How does an advisor plan for the client who wants to work in retirement?

When planning for the future, it's worth considering the following possible public policy risks that could affect your clients» ability to save for retirement and the money they have available to spend in retirement: Will income tax rates rise with current government deficit spending?

Find out how MEMBERS products and the value of risk control can work into your sales strategy and help you plan successful retirements for your clients.

Cheryl believed she had devised an outstanding product, and is pleased to say that in just a few short months since her launch, the program is already helping countless advisors across the U.S. build more fortified retirement income plans for their clients.

In 2013, the Corporation for Social Security Claiming Strategies was formed and one year later, A Comprehensive Guide to Social Security Retirement Benefits and Social Security Claiming Strategies was launched endeavoring to provide advisors with the knowledge necessary to advise clients on the intricacies of the Social Security system and teach them to utilize that information as the foundation for retirement income plans sustainable throughout their client's lifetime and beyond.

That dovetails with another finding — that well over half (65 percent) of advisors believe «retirement income distribution planning» will be the biggest goal for 50 - and 60 - year - old clients in the next five years.

SIFMA represent the broker - dealers, banks and asset managers whose 889,000 employees provide access to the capital markets, raising over $ 2.4 trillion for businesses and municipalities in the U.S., serving clients with over $ 16 trillion in assets and managing more than $ 62 trillion in assets for individual and institutional clients including mutual funds and retirement plans.

But under the Employee Retirement Income Security Act, which sets minimum standards for defined benefit and defined contribution retirement plans, and the IRS code, which oversees IRAs, a fiduciary advisor would be prohibited from earning commissions on investments for those accounts because that would not be considered to be acting in the best interest of the client.

Lakewood, CO About Blog James Osborne is a Certified Financial Planner ® professional who has spent his career in the investment management industry, helping clients manage their portfolios and plan for retirement, legacy and lifetime goals.

Jensen offers customized asset management services for a diverse client base including foundations, endowments, public plans, family offices and retirement plans.

Fred Kirby is a fee - for - service financial planner who writes an investment and retirement planning newsletter from the outskirts of Armstrong, B.C. Alan Fustey is a portfolio manager at Index Wealth Management in Winnipeg, and has been using ETFs with clients for more than a decade.

For example, one Conway client struggled for many months to keep her credit card payments current, by drawing down and ultimately cashing in her retirement plan that she had spent years accumulatiFor example, one Conway client struggled for many months to keep her credit card payments current, by drawing down and ultimately cashing in her retirement plan that she had spent years accumulatifor many months to keep her credit card payments current, by drawing down and ultimately cashing in her retirement plan that she had spent years accumulating.

Another Murrells Inlet client that was in the early stages of planning for bankruptcy was pleased to learn that his large retirement plans are safe from creditors, even as they make plans to give up many of their real estate investments gone bad and get ready to be free of millions of dollars of real estate debt.

To land on the list, firms had to have a focus on financial and retirement planning for individual and high - net - worth clients.

Disclaimer: As an Investment Advisor Representative, I act as a fiduciary and give retirement planning and investment advice to my clients in exchange for a fee.

I worked directly with clients for a few years and it was pretty common for clients to not know a lot about their retirement plans.

As a financial advisor, you advise your clients on a daily basis to help them with their financial planning for their retirement accounts.

Ask three simple questions to help determine your clients» future quality of life, serving as motivation for planning a satisfying retirement.

We offer comprehensive financial planning for all clients that includes tax planning, retirement planning, budgeting, debt management, education savings plans / college planning, insurance planning all coupled with investment managemenet.

The principles laid out in 20 Retirement Decisions You Need To Make Right Now provide the essential foundation of successful retirement planning and are at the heart of our planning process for every client.

Planning for retirement, saving for college, maximizing tax efficiencies and creating a financial legacy are top concerns for most of our clients.

We ask that each client confirm the amount with their tax professional each year and also seek tax advice for any retirement accounts (IRAs or employer plan assets) that we do not manage.

For instance, I'd start off the conversation by mentioning that I am a DIY investor, currently managing a portfolio of broad - market index funds and am looking for a fee - only planner to get additional help with taxes, retirement planning, portfolio review and insurance needs and ask if the planner is interested in me as a prospective clieFor instance, I'd start off the conversation by mentioning that I am a DIY investor, currently managing a portfolio of broad - market index funds and am looking for a fee - only planner to get additional help with taxes, retirement planning, portfolio review and insurance needs and ask if the planner is interested in me as a prospective cliefor a fee - only planner to get additional help with taxes, retirement planning, portfolio review and insurance needs and ask if the planner is interested in me as a prospective client.

He was also a speaker for two years in New York City to a group of financial advisors and insurance agents on topics such as building an integrated retirement income plan for clients.

She guides clients» through a holistic planning process that creates a personal net wealth statement and navigates major life events, such as the loss of a loved one through death or divorce, paying down debt, planning for college or planning for a wedding and retirement.

It can also help clients with a very highly customized investment management solution for their financial and retirement planning needs.

U.S. Bank and U.S. Bancorp Investments, Inc. have experienced professionals that can help clients understand and plan for their retirement income needs.

Unbiased advice for the management of your financial plan and investment assets (be they saved for retirement through the client's hard work or received through inheritance) is crucial to optimizing the likelihood of your success.

For so long as we fail to address this question, it will be impossible for planners to offer sound retirement planning advice to their clienFor so long as we fail to address this question, it will be impossible for planners to offer sound retirement planning advice to their clienfor planners to offer sound retirement planning advice to their clients.

Financial planner: This professional helps clients develop a plan for realizing their financial objectives and provide an assessment in almost every financial area ranging from estate planning, retirement, and taxes to insurance, investments, and savings.

The CIFs are available immediately, and are designed to provide 401 (k) plan sponsors and their financial advisers with greater flexibility and numerous options when customizing retirement plans for clients of varying needs.

Juicy Excerpt: While most everyone would agree that valuations matter, the question remains as to whether clients with a long - term outlook (such as those planning for retirement) can hope to act successfully on information about...

Clients leaving their jobs need an effective strategy for their retirement plan assets.

Consulting assignments have ranged from helping investment managers design innovative retirement income solution programs for defined contribution plans, writing public policy and market landscape papers, serving as program manager for an industry - led coalition to increase American's savings, speaking engagements at client conferences, researching specific target - date fund market opportunities, and strategic initiative development.

Visit this center for ideas to help your clients with complex financial planning matters such as efficient wealth transfer, tax and inflation risk, and sustainable income in retirement.

Considering the prospect of rising income tax rates in the future and the prevalence of more clients reporting employment income in retirement, the need for a tax - smart approach to a retirement income plan is critical.