2019 4th Quarter Issue – InFRE’s free retirement 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 about:
- “The Impact of Retirement Age Uncertainty on Retirement Outcomes” by David M. Blanchett, CFA, CFP®, AIFA, Head of Retirement Research, Morningstar Investment Management. My goal is to help you understand the trends and role of the age people retire to help you better help your clients create reasonable expectations for their financial plans; understand what the kind of drivers of early and late retirement are and what they mean; understand the idea of retirement age uncertainty or very early retirement on required savings (and not surprisingly, it’s not good news); be aware that if they were retire to later, they could save less, but if they retire earlier, they have to save more.
- “The “Missing Link”: The Broadening Extended and LTC Planning Options” by Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, the Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisors. What are the Realities and Impact of Extended Long-term Care Today? An aging population is not the only one impacted. The problem spans generations.
- “Understanding How Different Types of Annuities Work” by Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income for the American College of Financial Services. Understanding how annuities work is the crucial first step towards subsequently then exploring the potential role they have in a financial plan. This article is based on material for my new book, “Safety First Retirement Planning,” available through Amazon.
The articles below comprise the 2019 4th 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 January, 2020 Issue of Retirement Insight and Trends
on January 17, 2020
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→
The Impact of Retirement Age Uncertainty on Retirement Outcomes
on January 17, 2020
By David M. Blanchett, PhD, CFA, CFP®, Head of Retirement Research, Morningstar Investment Management
My goal is to help you understand the trends and role of the age people retire to help you better help your clients
- Create reasonable expectations for their financial plans;
- Understand what the kind of drivers of early and late retirement are and what they mean;
- Understand the idea of retirement age uncertainty or very early retirement on required savings (and not surprisingly, it’s not good news);
- Be aware that if they were retire to later, they could save less, but if they retire earlier, they have to save more.
The implications of retiring earlier than expected suggest that savings rates should be higher than they are today. […] Continue Reading →
The “Missing Link”: The Broadening Extended and LTC Planning Options
on January 17, 2020
By Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, the Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisors
What are the Realities and Impact of Extended Long-term Care Today?
An aging population is not the only one impacted. The problem spans generations.
We often see the statistic that 10,000 people are turning 65 a day. We can now update that statement by saying that 10,000 individuals are turning 70 each day. By the year 2035, it is projected that the number of individuals over the age of 65 will outnumber the number of individuals under the age of 18. […] Continue Reading →
Understanding How Different Types of Annuities Work
on January 17, 2020
By Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income for the American College of Financial Services
Understanding how annuities work is the crucial first step towards subsequently then exploring the potential role they have in a financial plan. This article is based on material for my new book, “Safety First Retirement Planning,” available through Amazon.
Product allocation for retirement income is that we don’t simply think about asset allocation, which would be the world of the systematic withdrawals from an investment portfolio, but we explore as well how different types of annuities can fit into that mix. […] Continue Reading →
Earn 1 free Continuing Education (CE) credit for the January, 2020 Issue of InFRE’s Retirement InSight and Trends
on January 17, 2020
This issue of the January, 2020 issue of Retirement InSight and Trends is no longer eligible for CE credit.