When Congress created the Roth 401(k) back in 2001, hardly anyone, including your clients, probably noticed or even cared. Financial advisors and investors were far more excited about the other goodies that the 2001 tax act delivered. However, it...

Fear of a too-small nest egg is the driving force behind many an advisor/client relationship. But such a high level of anxiety might be out of place. A recent report published in the Journal of Financial Planning argues that most retirees spend...

A survey in USA Today once concluded that Americans' most deep-seated fear, after cancer and car wrecks, was running out of money during retirement. The angst is understandable since one of the most complicated financial feats Americans will ever...

I've got a way to boost your tax bill right now is one of the least effective ways to generate positive client interest, second only to a sign on your door proclaiming This office has been lawsuit-free for 38 days! So when you suggest to your...

It appears that the number of articles mentioning a real estate bubble now far exceeds the number of news stories warning of a stock market bubble before the 2000 crash. Understandably, clients may be asking themselves if the same thing that...

The relief efforts related to hurricane Katrina are doing what two decades of lobbying from the wealth advisory community could not: convincing legislators to let investors make tax-free donations from their IRA accounts. As part of an effort to...

Lovers of the links are in danger of slicing their nest eggs into the drink, according to a recent survey. Columbus-based Nationwide Financial Services found in a recent study that while golfers have saved nearly 75 percent more than nongolfers...

It sounds somewhat crass to say, but besides being a great destroyer of health, dementia can also destroy many a grand retirement plan. The fact of the matter is, after the age of 60, the risk of suffering from dementia increases. While only about...

Retirement benefits are typically left to the participant's surviving spouse with the expectation that she1 will do something with them: either roll the benefits over to her own retirement plan to continue maximum income tax deferral, or disclaim...

Only a minority of clients seem to be aware of the need to protect accumulated tax-qualified retirement benefits1 from potential future creditors. In my practice, it's often older physicians who want to make asset protection a centerpiece of their...