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2018 3rd 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. “Protecting Your Clients From Financial Abuse” by Bob Mauterstock, CFP®, ChFC, and CLTC, Eldercare Expert, Speaker, Author, Facilitator. Elder financial abuse is a growing problem creating annual losses to families estimated to exceed $2.9 Billion per year. As retiring boomers become part of this population the problem is expected to increase dramatically. It is critical for financial advisors to be aware of recent legislation that will affect their ability to deal with this crisis, and understand the steps they can take to help their clients avoid significant loss resulting from financial abuse.
  2. “Plan for the 21st Century Retirement” by Steve Vernon, FSA, Research Scholar Stanford Center on Longevity, President, Rest-of-Life Communications. Older workers face a series of critical decisions as they transition from the workforce into retirement. These decisions include deciding when to retire, whether to work part-time, when to claim Social Security, how to deploy savings in retirement, selecting medical insurance, protecting against the risk of long-term care, where to live, how to enhance your health and longevity, and nurturing your social portfolio.
  3. “Social Security: Uncovering Opportunities to Bring Value to Your Clients and Prospects” by Heather L. Schreiber, RICP®, HLS Retirement Consulting, LLC. Social Security is a very real part of the retirement income for the majority of Americans. As financial professionals, it is difficult not to weave this component into your conversations with your clients and prospects as they prepare for retirement. Learn about Social Security from a holistic point of view and how you can help uncover opportunities to enhance retirement income for your clients.

The articles below comprise the 2018 3rd 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 September, 2018 Issue of Retirement Insight and Trends

on September 30, 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 […]
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Protecting Your Clients From Financial Abuse

on September 30, 2018

By Bob Mauterstock, CFP®, ChFC, CLTC, Eldercare Expert, Speaker, Author, Facilitator
Who is exploiting our seniors?
A study was done a few years ago by the MetLife Institute. They determined that elders lost $2.9 billion a year through financial exploitation, and that number is increasing every day.

Strangers do fifty-one percent of the exploitation. Some people tell you you’ve won the lottery, and all you have to do is give them your financial information so that they can put that money into your account. That’s one of the most significant problems.

Another is home repair. Someone will come to your door and say, “I was passing by and noticed that your roof is in bad shape. […]
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Plan for the 21st Century Retirement

on September 30, 2018

By Steve Vernon, FSA, Research Scholar Stanford Center on Longevity, President, Rest-of-Life Communications
Do you think we face a retirement crisis? When I’m in a room with folks, I ask this question. Invariably, about two-thirds of the audience raises their hand. I say, “Well, that might be, but I want to give you some perspectives on this crisis that might make you think differently about it.”

For me, it’s kind of sobering; I just recently turned age 65. When you look at how people are living longer lives, I realized that had I been born a few generations ago, I might not have reached this current age. So, I’m more than happy to roll up my sleeves, and work on this so-called “retirement crisis.”

Game-changing retirement trends: In 1900, life expectancy at birth was a little over 47 years; lately, it’s now over 78 years – more than a 30-year increase. This increase is a game-changer for the period that we call retirement. […]
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Social Security: Uncovering Opportunities to Bring Value to Your Clients and Prospects

on September 30, 2018

By Heather L. Schreiber, RICP®, HLS Retirement Consulting, LLC
Who collects Social Security today?
Eighty-four percent of non-married retirees and 85 percent of married retirees collect Social Security benefits. Fifty-five percent of Social Security beneficiaries in 2016 were women.

Let’s look at the relative importance of Social Security in the broader scope of how American retirees make up their retirement income. Fifty percent of married retirees rely on it for more than 50 percent of their income. Seventy-one percent of non-married recipients rely on it for more than 50 percent of their income. Thirty-four percent of non-married retirees depend on it for more than 90 percent of their income. For married couples, 23 percent rely on it for 90 percent or more of their income.

Why do I point this out? Social Security needs to be a decision. […]
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Earn 1 free Continuing Education (CE) credit for the September, 2018 Issue of InFRE’s Retirement InSight and Trends

on September 30, 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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