The RMD and Its Impact on Retirement Portfolio Survival

RELATED CONTENT

RMD Lessons From Real Life Cases

Although December 31 might seem a long way off, early planning can help to increase the efficiency and accuracy with which your clients take their required minimum distributions. Start your clients’ RMD process early, and incorporate these little known RMD rules where applicable.

Clients Working Past Age 70½—How to Answer Their 7 Emerging RMD Questions

With more baby boomers working longer, questions about how to handle IRA distributions are headed your way. Make sure you give your clients the right advice by knowing the facts.

The Impact of Decreasing Retirement Spending on Safe Withdrawal Rates

Safe withdrawal rates typically assume retirees maintain a stable standard of living. But new studies show that spending declines throughout retirement by as much as 1%-2% per year. This discrepancy may cause us to be underestimating the safe withdrawal rate.

Retirement Income Planning: Should You Transfer Risk or Manage It?

Today’s retirement planning strategies run the gamut between insurance-based “safety-first” and portfolio-oriented “probability-based.” Yet insurance companies can fail, and retirees can spend so conservatively it puts safety first. Ultimately, the real decision in retirement planning is whether to transfer risk to a third party or manage it yourself.