2016 3rd Qtr issue – InFRE’s free newsletter
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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:
- “Housing Wealth: A Retirement Asset for the Middle Market” by Shelley Giordano, Chair of the Funding Longevity Task Force: Strategic use of housing wealth to offset volatility in the portfolio should be a prime consideration early in the distribution phase; establishing a line of credit that keeps pace with inflation can provide the funds for a long term care event; a reverse mortgage strategy can prevent selling the marital home and provide the means for equitable housing for both parties; for women, having access to reverse mortgage financing can bridge the income gap for Social Security deferral
- “Grey Divorce and Retirement” by Andrew Samalin, CFP, EA, CDFA, Expert in Divorce and Retirement: Strategic use of housing wealth to offset volatility in the portfolio should be a prime consideration early in the distribution phase; establishing a line of credit that keeps pace with inflation can provide the funds for a long term care event; a reverse mortgage strategy can prevent selling the marital home and provide the means for equitable housing for both parties; for women, having access to reverse mortgage financing can bridge the income gap for Social Security deferral.
- “Retirement Security”- article highlights information provided in the March 2016 GAO Report to Congressional Requesters: What consumption in retirement looks like and how target replacement rates are developed; whether and how spending patterns vary by age; and key factors used to develop target replacement rates.
The articles below comprise the 2016 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.
Welcome to InFRE’s October, 2016 Issue of Retirement Insight and Trends
on OCTOBER 11, 2016
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® […] Continue Reading →
October, 2016 InFRE Update: An Explanation of the Changes Made to the July, 2016 CRC® Exam
on OCTOBER 11, 2016
An Explanation of the Changes Made to the July, 2016 CRC® Exam
Accredited certifications such as the CRC® are required to update every three to five years the practice analysis used that provides guidelines for the structure, content and rigor of their professional exams.
The International Foundation for Retirement Education (InFRE) contracted with Professional Examination Service […]
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Housing Wealth: A Retirement Asset for the Middle Market
on OCTOBER 11, 2016
By Shelley Giordano, Chair of the Funding Longevity Task Force
Our focus is on four case studies that will illustrate how the early and proactive use of housing wealth via reverse mortgage can convey significant retirement income security, particularly for the middle market. These findings are especially relevant for women who oftentimes bear the brunt of long-term care, reduced financial resources when their spouse has died, and yet must plan for a longer retirement horizon. […]
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Grey Divorce and Retirement
on OCTOBER 11, 2016
By Andrew Samalin, CFP, EA, CDFA, Expert in Divorce and Retirement
It is likely that there isn’t anyone who hasn’t been affected by it, either personally, or through a family member, a friend, or someone who you work with. So, it is, for better or for worse – and many times, both – that divorce is in the vernacular of our society. It is a trying and difficult event that people go through. Our role as professionals is to smooth the road as much as possible. […]
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Retirement Security – Better Information on Income Replacement Rates
on OCTOBER 11, 2016
The following is an excerpt from the March 2016 GAO Report to Congressional Requesters, RETIREMENT SECURITY – Better Information on Income Replacement Rates Needed to Help Workers Plan for Retirement.
Why GAO Did This Study
Part of the Department of Labor’s (DOL) mission is to promote the retirement security of America’s workers, a goal that has become increasingly challenging. One tool for assessing the adequacy of retirement income is the replacement rate. […]
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Earn 1 free Continuing Education (CE) credit for the October, 2016 Issue of InFRE’s Retirement InSight and Trends
on OCTOBER 11, 2016
This issue of the October, 2016 issue of Retirement InSight and Trends is no longer eligible for CE credit.