2018 2nd Qtr Issue - Gray Divorce, Investment Based Retirement Income Strategies, Medicare 101

2018 2nd Quarter Issue – InFRE’s free retirement newsletter – 1.0 CE credit

Print this issue - 2018 2nd Qtr Issue – Gray Divorce, Investment Based Retirement Income Strategies, Medicare 101

Print this issue

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. “The Platinum Retirement Challenge: Gray Divorce” by Lili Vasileff, CFP®, MAFF, CDFA®, President, Divorce and Money Matters, LLC. There are surprisingly many nuances in the gray divorce statistics. Understand what boomers want, experience, and what are the consequences are of gray divorce relating to financial security. Learn how to identify unique issues in divorce that are one-time opportunities for clients to maximize their outcome.
  2. “How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies” by Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income for the American College of Financial Services. Estimates provided by traditional studies about sustainable spending may be too optimistic, or may be even higher than traditional studies imply. It is important for advisors to understand a variety of spending and asset allocation approaches in order to manage sequence of returns risk and develop sustainable spending strategies.
  3. “Medicare 101 – The A, B, C, and D’s of Medicare” by Erin Fisher, President of Find Medicare Plans. Making the wrong decision in Medicare enrollment or non-enrollment can include lifetime financial penalties. You can help your clients manage Medicare costs by referring them to resources to help them make informed decisions and better understanding how taxable investment income can affect their monthly premiums.

The articles below comprise the 2018 2nd 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 hour of CRC® CE credit!


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

on June 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 […] Continue Reading this issue of Retirement Insight and Trends here→


June, 2018 InFRE Update: 2018 CRC Practice Analysis Certificant Survey

on June 30, 2018

To remain compliant with National Commission for Certifying Agencies (NCCA) Standards, and to ensure that the CRC® certification program stays up-to-date, relevant and reflective of current best practice, InFRE conducts a practice analysis study of the retirement counseling profession every five years. The results of this study are used to revise the content of the CRC examination. […] Continue Reading →


The Platinum Retirement Challenge: Gray Divorce

on June 30, 2018

By Lili Vasileff, CFP®, MAFF, CDFA, RIA, Wealth Protection Management
Let me start with background on gray divorce and retirement. It is a genuine, real statistic. Every ten seconds, a boomer turns 60 years old. Among the US adults who are age 50 plus, the divorce rate has doubled since 1994. Interestingly, the increase in the fastest growing population is in first-time marriages. More than 55 percent of gray divorces occur with couples who have been married for a long time, for more than 20 years. Divorce risk is not spread evenly among the demographics of the boomers. Most divorced boomers are not living alone.

What do boomers want? What will boomers experience? Why is gray divorce different than divorce generally? Moreover, why are gray divorced women affected so much more significantly than men? […] Continue Reading →


How Much Can I Spend in Retirement? A Guide to Investment-Based Retirement Income Strategies

on June 30, 2018

By Wade Pfau, Ph.D., CFA, author of academic retirement research with practical application, RetirementReseacher.com
There are two schools of thought regarding retirement – probability based and safety first – that really approach retirement income from fundamentally different perspectives. We’ll focus here on the probability-based side, the idea of using an investment portfolio to manage retirement risk.

Markets today are in uncharted waters to some extent with regard to where they were in the past. Interest rates are low. Stock market valuations are high and that suggests lower returns. Low interest rates mean lower returns on bonds, lower sustainable spending for bonds, high stock market evaluations. It is more controversial, but the idea or the implication is, lower stock returns in the future, lower sustainable spending from an investment portfolio, and as well, there is a precedent to look at this idea that maybe 4 percent doesn’t always work. […] Continue Reading →


Medicare 101 – The A, B, C, and D’s of Medicare

on June 30, 2018

By Erin Fisher, President, Find Medicare Plans, LLC
What is Medicare? Medicare is health insurance for people 65 or older. People under 65 can also enroll in Medicare when they have certain disabilities, and people of any age that have end-stage renal disease or Lou Gehrig’s disease are also eligible to enroll in Medicare. Makes it sound simple, doesn’t it?

There are four parts to Medicare: A, B, C, and D. Part A covers a person when they’re an in-patient in a hospital and if they’re an in-patient in a skilled nursing facility. Part B of Medicare covers a person when they are not in a hospital and not in a skilled nursing facility. It not only covers […] Continue Reading →


Earn 1 free Continuing Education (CE) credit for the June, 2018 Issue of InFRE’s Retirement InSight and Trends

on June 30, 2018

You can earn 1 CRC® CE credit for the June, 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. […] Continue Reading →