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2018 1st Quarter Issue – InFRE’s free retirement newsletter – 1.0 CE credit

The quarterly newsletter from the International Foundation for Retirement Education’s to help retirement professionals keep abreast of what’s happening in the field of retirement readiness, counseling, planning and income management.

In this retirement-specific newsletter, planners will learn about:

  1. “How to ‘Pensionize’ Any IRA or 401(k) Plan” by Steve Vernon, F.S.A., Research Scholar, Stanford Center on Longevity. The “Spend Safely in Retirement Strategy” is a straightforward method for middle-income workers to generate reliable, lifetime retirement income from any IRA or 401(k) plan. It was one outcome of a substantial research project conducted by the Stanford Center on Longevity, in collaboration with the Society of Actuaries.
  2. “Integrating Home Equity and Retirement Savings Through the ‘Rule of 30′” by Peter Neuwirth and Barry Sacks. Most people reaching retirement age have savings in a 401(k) account or otherwise that are inadequate to meet their consumption needs during retirement. Recent research has shown that integrating home equity with retirement savings provides a strong enhancement of the amount available throughout retirement.
  3. “How to Protect an Aging Client’s or Adult Child’s Retirement Security from a Medical Crisis” by Annalee Kruger of CareRight Inc. A medical crisis can put families into a tailspin if a plan is not in place ahead of time. Advisors must understand how a medical event might affect the retirement security of the aging client and their adult children caregivers, and what can be done to help clients be financially and legally prepared.

The articles below comprise the 2018 1st Qtr Issue of Retirement Insight and Trends. Click on the links below to read each article online separately, or click here to view and print the issue in its entirety.

Follow the link at the end to access the quiz, and upon passing with 70% or greater you may receive 1.0 hours of CFP®, CRC®, ASPPA, CLU®, ChFC®, CASL and other CE credit!

 

Welcome to InFRE’s March, 2018 Issue of Retirement Insight and Trends

on March 31, 2018

Retirement InSight and Trends is the quarterly newsletter for the International Foundation for Retirement Education’s Certified Retirement Counselors® (CRC®s) to help retirement professionals with the practical application of new retirement readiness, counseling, planning and income management concepts for the mid-market. Find out more about the CRC® here and […]
Continue Reading this issue of Retirement Insight and Trends here→


 

March, 2018 InFRE Update: Get the Most Out of Your CRC® Certification

on March 31, 2018

You have invested considerable time and money to be as up-to-date as possible about retirement readiness, risk management, and retirement income planning by becoming a Certified Retirement Counselor® (CRC®) professional. Tangibly demonstrate your commitment to the retirement planning profession as a CRC®. […]
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How to “Pensionize” Any IRA or 401(k) Plan

on March 31, 2018

By Steve Vernon, F.S.A., Research Scholar, Stanford Center on Longevity
I worked at Watson Wyatt Worldwide on the front lines of the transition from defined benefit and contribution plans in the private sector in the 1980s, 1990s, and the turn of the century. I always thought it was not a good idea to ask individual workers to be their own actuary and investment manager. However, I feel like we are making progress on adequate savings now through default options.

In my encore career now in the research role at Stanford, I have been focusing on de-cumulation, or how you can deploy savings in retirement. Moreover, we may have found one solution that is straightforward for many people to implement. Introducing the “Spend Safely in Retirement Strategy” […]
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Integrating Home Equity and Retirement Savings Through the “Rule of 30”

on March 31, 2018

By Peter Neuwirth and Barry Sacks
Up until 2012, many efforts had been focusing on ways either to boost the accumulation or to maximize the investment returns during the accumulation phase and even potentially after the drawdown period, but there has not been much attention spent on exactly how a retiree should be drawing down his or her income. Most retirement income strategies still consider withdrawals from the securities portfolio and maximizing Social Security benefits techniques (like saying you have to defer Social Security until the latest possible date and perhaps use your security portfolio to supplement your income until that point). However, very little in the way of sophistication was added to these kinds of strategies.

Now in the last few years, however, the industry has recognized that there are still a couple of issues that to be addressed. […]
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How to Protect an Aging Client’s or Adult Child’s Retirement Security from a Medical Crisis

on March 31, 2018

By Annalee Kruger of CareRight Inc.
I used to be a social worker and long-term care administrator for over 20 years. Every day, I had families in my office because there was a medical crisis. Mom fell, she broke her hip. Hospital says here’s a list of facilities. Go find one because we’re discharging today at noon. The families are just completely caught off guard. They never thought about what is our actual plan if something happens to mom or dad? Who in the family is can drop what they’re doing, leave work for a couple of weeks, and sort out what their options might be?

Rather than always being in crisis reaction mode, I started my company, Care Right Inc., with the mission of helping families be proactive and sitting down and talking about our aging plan sooner rather than later – ideally when things are still going well, because I’ve never had a family ever come back to me and say, “Gosh, Annalee, I feel really great. I’m really confident about the decisions that we had to make, when emotions were high, and time is limited.” […]
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Earn 1 free Continuing Education (CE) credit for the March, 2018 Issue of InFRE’s Retirement InSight and Trends

on March 31, 2018

You can earn 1 CRC®, CFP®, ASPPA, and the American College’s Professional Recertification Program (CLU®, ChFC®, CASL) CE credit for the March, 2018 issue of Retirement InSight and Trends.
Click here to access the quiz.
When you have completed the last question, click the “submit” button to submit your final answers. You may not return to review or change your answers after clicking submit or if you close the browser window. You may restart the quiz if needed.
A score of 70% is required to pass the quiz and earn CE credit. You will see your score on your screen upon submitting your answers. An email will automatically be sent to you for your records as proof of successful completion. […]
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