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If you reach retirement with a significant amount of assets, you've done a great job of saving and investing. But now comes another challenge— making that money last. You might think that this task, as important as it is, won't be as hard as accumulating the money in the first place.
Americans are struggling with retirement goals, planning. But they are seeking financial help, surveys show.

Nearly half (42%) of American households with $500,000 to under $2 million have four or more financial relationships, up from 36% of households in 2020, a new survey finds.

Rising inflation has been bad for consumers, with the escalating cost of gas, groceries and rent causing people on the financial edge to struggle even more. But for investors with money to spare and who are looking for safety, inflation has been good for Series I Bonds, which the Treasury Department announced will be paying 9.62 percent until the end of October.

Low interest rates, investors’ ongoing search for yield, and strong acquisitions activity continue to create a supportive environment for real estate financing and alternative lenders across the globe, contributing to a record $22.38 billion in worldwide originations last year for PGIM Real Estate, the real estate investment and financing business of…
U.S. workers are unhappy and filled with stress, a new survey finds.

MetLife’s 20th annual U.S. “Employee Benefit Trends Study” finds that job satisfaction at a low point among U.S. workers. The least satisfied workers are “zillennials,” a micro-generation that was born between 1993 and 1998.

TAMPA, Fla.— It started with COVID-19. Typically, the United States acknowledges a recession when four main factors drop. Historically, the National Bureau of Economic Research, a private non-profit, tracks these factors using data from the U.S. Bureau of Labor Statistics and the Federal Reserve.

For all the emphasis and excitement over helping clients efficiently accumulate assets and accomplish their goals, it’s quite often that how the client makes a living goes into the financial plan as a “snuck premise,” a sort of status quo fact that simply underlines the cash flow projections of the financial plan.

The Federal Reserve is meeting Tuesday and Wednesday, and all indications suggest that the central bank will hike interest rates by half a percentage point, double the increase it implemented the last time policymakers met, in mid-March. Winnie Cisar, the global head of strategy at CreditSights, said a lot of companies have taken advantage by refinancing their…
Financial education programs are proving beneficial for employees and employers both.

An increasing number of employers are offering financial-wellbeing programs to their employees as they seek to improve overall worker satisfaction, reduce financial stress, increase productivity, and make improvements to retirement plans and other employee-benefit programs.

Dear Liz: In preparing my 2021 tax returns, I was dismayed to find out that my first required minimum distributions from my retirement account have pushed me into the highest tax bracket ever in my life and caused 85% of my modest Social Security benefit to become taxable. Since I retired five years ago at full retirement age, I never had to pay taxes on my Social…

One of the primary provisions in the bill is the expansion of Roth 401 features. Why is Congress so enamored with Roth savings features? If Congress wants you to use Roth accounts and pay taxes now, should you?

For example, we recently reviewed a client situation where the plan holder had a $6 million balance. The client was disappointed to learn that, under the client's current structure when distributed over 10 years, the $6 million would be slashed because of taxes by $2.6 million and only yield $3.4 million net proceeds to the beneficiaries. The $2.6 million of…

Whether you've been single all your life or became single again after a divorce or widowhood, you will likely be making most of your retirement planning decisions on your own. It will be up to you to secure your retirement years financially. You'll need a retirement income plan that supports the lifestyle you envision– and one that lowers the risk of outliving…

NEW YORK- April 29, 2022-. iQuanti: In March of 2022, the Federal Reserve's central bank made the announcement that they have increased the key interest rate by one-quarter point and hinted that more rate increases are likely to happen later this year. The Fed controls the federal funds rate, which is the interest rate that lending institutions charge each other…

Being an ally and supporter of your diverse staff, colleagues and friends within our industry involves intentionality, vulnerability and the quest for lifelong learning. These three podcasts are excellent places to keep in touch with the latest DEI issues and developments.
Student loan debt is impacting even older Americans.

As President Joe Biden delays student loan payments and considers loan forgiveness, borrowers across generations are postponing important financial decisions because of the debt.

With inflation pushing the price of just about everything higher, it's more important than ever to keep track of how you're spending your money. The average monthly fee for non-interest checking accounts last year was just over $5, according to a Bankrate survey, while the fee for interest-bearing checking accounts was more than $16 for those who didn't meet…