Author Archive

Welcome to InFRE’s April 2022 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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April, 2022 InFRE Update: CRC® Certification is Now a Stepping-Stone to Becoming a CFP® Professional.

If you have ever thought about becoming a CERTIFIED FINANCIAL PLANNER™  after earning your CRC® certification, we have great news to share about a new partnership with Bryant University.  CRC® certificants can now save time and money when pursing CFP® education requirements with the highly rated Bryant University online CFP® Board registered program.  You will […]

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5 Critical Social Security Concepts You Need to Know to Elevate Your Credibility

By Heather L. Schreiber, RICP®, HLS Retirement Consulting, LLC Social Security is a topic that is near and dear to my heart, primarily because I run into consumers and financial professionals every day that just are confused, and rightfully so. In this article, we’ll cover: The steps behind the Social Security primary insurance benefits formula […]

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Posted in: PROTECT the Plan from Retirement Risks, Social Security Planning

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Determining Your Client’s Retirement Income Style

By Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income for the American College of Financial Services Alex Murgia, Ph.D., and I conducted this research in 2021 to help us understand when different retirement strategies best apply to different individuals. This is an ongoing debate in the profession. Today I saw an online discussion board […]

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Welcome to InFRE’s January 2022 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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Care Planning Prevents Tearing Families Apart

By Carroll Golden, CLU, ChFC, CLTC, CASL, LECP, FLMI, LACP, the Executive Director, Limited and Extended Care Planning Center (LECP Center) for the National Association of Insurance and Financial Advisors, C. Golden Consulting, LLC Now is a good time for us to look at a retirement security framework as we approach the most significant surge […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Are Health Savings Accounts better than a 50% employer-match on a 401(k)?

By Greg Geisler, PhD, CPA, Clinical Professor of Accounting at Indiana University-Bloomington The tax-efficient order to invest and pay down debts, is in other words, how to maximize the tax-efficient accumulation of wealth while you are working. There are many articles on tax-efficient decumulation once you retire, but there is a very clear tax-efficient order […]

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Welcome to InFRE’s October 2021 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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October, 2021 InFRE Update: New CRC® Candidate Registration Expiration Policy

Earlier this year, the CRC® Board of Standards and Policy Development (BOS) passed a new policy that will generally require CRC® Candidates to schedule their CRC® examination within two years of their registration date. Prior to this policy, a candidate could maintain their registration indefinitely.   The new policy is as follows: A CRC® Candidate’s registration […]

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Grief Literacy for Financial Advisors: Engaging the Bereaved Client

By Kathi Balasek, MA, Grief Communication Consultant for Financial Professionals In short, grief literacy is simply normalizing the conversation surrounding grief and, specifically, our grief responses. As advisors, you are much more comfortable with charts, graphs, and numbers, so that’s very natural, and you’re fluent in that type of conversation. Conversation about grief can be […]

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The Psychology of Retirement

By Robert Laura, CKA, AAMS, CPRC, CMFC, CRPC Many people perceive retirement as nothing but addition, as gains, as positive things that they will get. People don’t realize that problems can be multiplied simply because you have more time and fewer distractions. The challenge with traditional retirement planning is that we don’t drill down and […]

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Welcome to InFRE’s July 2021 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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July, 2021 InFRE Update: Managing Your Retirement Income Workshop

One of the best ways to promote your retirement income planning expertise is to educate your clients directly. That’s why InFRE created the newly updated, “Managing Your Retirement Income” workshop.  You don’t have to be a Certified Retirement Counselor® (CRC®) to purchase it! This 60-minute workshop has been designed to be offered as a live presentation […]

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Situational Social Security

By Marc Kiner, CPA, National Social Security Certificate Holder, National Social Security Association and Jim Blair, National Social Security Certificate Holder, National Social Security Association We are contributing authors to the 2021 Social Security & Medicare Facts book published by The National Underwriter Company. Almost a thousand questions, over 700 pages on Social Security Medicaid, […]

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Welcome to InFRE’s April 2021 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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Incorporating the Housing Asset in Retirement Planning

By Shelley Giordano, MA, Enterprise Integration Mutual of Omaha Mortgage, Founder Academy Home Equity Financial Planning Dr. Wade Pfau, CFA, RICP notes that there are three significant threats in retirement: longevity, market volatility, and spending shocks. In this article, we are exploring how the housing asset can be utilized to counter these threats. What Share […]

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Advanced Strategies for Using Housing Wealth to Improve Financial Outcomes in Retirement

By Barry Sacks, PhD, JD In this article, we will cover some advanced strategies that use housing wealth to improve financial outcomes in retirement. So, what’s meant by improving financial outcomes in this context? A significant concern of retirees and their financial planners is the risk of these retirees outliving their financial resources, which is […]

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Welcome to InFRE’s January 2021 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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January, 2021 InFRE Update: Welcome to Our New CRC® Board of Standards and Policy Development Members!

The International Foundation for Retirement Education® (InFRE) is a non-profit 501(c)(3) organization founded in 1997. InFRE’s Certified Retirement Counselor® (CRC®) certification was created to advance recognition among retirement planning professionals of the need for a retirement specific certification program that demonstrates a mastery of subject matter, a commitment to the retirement planning profession, and adherence to a code of […]

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21st Century Medicare Planning to Protect Your Client’s Healthcare Rights and Retirement Savings

By Emily Gang, Owner of The Medicare Coach Medicare is delivered in a very confusing way in our country. Unfortunately, the way the government and the insurance companies have set up Medicare, people are very likely to make the wrong decision if they don’t fully understand what’s going on. Making the wrong decision means jeopardizing […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Guaranteed Income: The Forgotten Household Asset

By David M. Blanchett, PhD, CFA, CFP®, Head of Retirement Research, Morningstar Investment Management Of all the risks that people face, longevity risk is the oddest because risks are usually a bad thing. Living a long time, in theory, should be a good thing, right? When we retire, we want to have a long and […]

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Advisor’s Guide to Health Savings Accounts: Differentiate Yourself

By Kelley Long, CPA/PFS, CFP® You might have heard the health savings account (HSA) referred to as the “new” 401(k).  Thirty years ago, when the 401(k) first came out, it was thought of as something for just executives and higher income or more savvy planners, and now it’s the everyman’s retirement savings vehicle.  The HSA […]

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Welcome to InFRE’s October 2020 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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October, 2020 InFRE Update: Announcing the New InFRE and Retirement InSight Websites!

We are pleased to announce the launch of the new InFRE website and the new Retirement InSight website. The InFRE website has been redesigned and has several enhancements including: Retirement professionals interested in learning more about the CRC® will more easily be able to navigate to information about the benefits of becoming CRC® certified, Certificants […]

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Managing Retirement Income: What Your Clients Need to Know

By Kevin S. Seibert, CFP®, CRC®, CEBS, Managing Director, International Foundation for Retirement Education (InFRE) The idea of retirement is a relatively new concept. A child born in 1900 had a life expectancy of age 47.  People worked as long as they could and then moved in with their children. The idea of not working […]

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21st Century Longevity, Health, & Wealth: Preparing for Health Care Risks in Retirement

By Heather Homes, Founder and CEO of Genivity I come from the healthcare industry and spent much time working in hospital systems around the world, working directly with physicians and patients. One of the interesting things that I learned was that regardless of the healthcare system, I consistently saw people delay making critical-medical-care decisions because they […]

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Welcome to InFRE’s July 2020 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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Everything You Need to Know About … Investing

By Michael Falk, CFA, CRC®, Focus Financial Consulting Behavior is more important than your investments, and behavior is about the choices that you make. That is the actual manifestation of your behavior. We need to understand risk, sequence, and magnitude. These three terms are what do a fantastic job of pushing and pulling on our […]

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Building a Generational Practice with Extended and Long Term Care

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 It took a once-in-a-century pandemic to help us see the need for a plan for caregiving. Combine an aging population, increasing longevity, a shrinking birth rate […]

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Effective One-to-One Communication for Advisors and Retirement Counselors

By Joseph Tabers, CSP, President of Productive Training, Inc. The need for information and good communication is so essential for clients and people today to provide reassurance, and sometimes, peace of mind. We’re going to review some proven techniques for enhancing communication effectiveness face-to-face, in meetings or over the phone, and online and any other […]

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Welcome to InFRE’s April 2020 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is worth one free […]

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Key IRA Changes Made by the SECURE Act

By Denise Appleby, APA, CISP, CRPS, CRC®, CRSP, Founder and Owner of Appleby Retirement Consulting, Inc. Setting Every Community Up for Retirement Enhancement (SECURE) Act We think it is best to focus just on the SECURE Act’s changes to IRAs today versus employer plan changes as these changes are highly complex. It is best to cover […]

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Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals

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Understanding Communication Styles for More Effective Client Relations

By Joseph Tabers, CSP, President of Productive Training, Inc. Understanding communication styles for more effective client relations is simply better understanding and preparing to adapt to the variety of styles we encounter. Our first objective when communicating is first to know our self before we attempt to understand another so we can establish mutual understanding. […]

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America’s REAL Retirement Coverage Crisis – Solution: The HSA in Your Future

By Jack Towarnicky, JD, CEBS, LLM-Employee Benefits, HR/Rewards/Benefits Compliance and Planning Researcher with the American Retirement Association Health savings accounts (HSAs) have been around since 2004. However, only 20-25% of employees who have employer sponsored healthcare coverage have access to that choice.  Worse, all too often, the HSA capable health option is poorly deployed and […]

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Welcome to InFRE’s January 2020 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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The Impact of Retirement Age Uncertainty on Retirement Outcomes

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 […]

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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. We often […]

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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 […]

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Welcome to InFRE’s October 2019 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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October, 2019 InFRE Update: CRC® Program Maintains NCCA Accreditation Status

From Kevin Seibert, CFP®, CRC®, CEBS Managing Director, InFRE Every five years InFRE is required to reapply for CRC® certification accreditation by the National Commission for Certifying Agencies (NCCA). Our most recent application was submitted in April and I’m pleased to announce that the CRC® has been approved for accreditation status through July of 2024. […]

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Medicare Advantage vs. Medigap: Which plan is right for your clients?

By Joanne Giardini-Russell, Owner, Giardini Medicare and Cameron Giardini, Giardini Medicare There are the two choices that every 65-year-old is going to face when it’s time to think about what they’re going to do when it comes to Medicare: do they go with a Medicare Advantage Plan or Medigap? There have been a lot of […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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Heading Toward Social Security Reform

By Bruce D. Schobel, FSA, MAAA, CLU, CEBS, Consulting Actuary Let’s start with Social Security’s financial status. There isn’t any real news here. For more than 30 years, Social Security’s Annual Trustees Reports have shown a very similar financial picture for the program. The funds have been building up over 36 years, and now they’re […]

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Reverse Mortgage for Purchase: Helping Seniors Buy a Right-Size Home with the Right Tool

By Allen Chao, Senior Account Executive at Longbridge Financial The reverse mortgage program is a multi-faceted tool.  As a lender is, we qualify your clients for the most amount of money that they can get. For a traditional reverse mortgage you can divide that money up such as a credit line that you can tap […]

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Welcome to InFRE’s June 2019 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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Behavioral Finance: Why Do We Do the Things We Do

By Michael Wilson, CFP®, RC®, RICP®, Integrity Financial Planning We all know there are certain things we should do, like eat right, exercise, get plenty of sleep, etc. The same is true for retirement saving: we all know we should be saving now for an unknown period of time in retirement. Multiple studies and surveys have indicated […]

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The Value of Safe Home Care

By Phil Bongiorno, Executive Director at Home Care Association of America The number of families utilizing home care services continues to grow in the United States.  A higher number of family caregivers who are caring for a loved one with a chronic or debilitating health condition are turning to home care, rather than institutional care, […]

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Which Annuities Offer the Best Inflation Protection?

By Joe Tomlinson, FSA, MAAA Recent articles in Advisor Perspectives by David Blanchett and by Zvi Bodie and Dirk Cotton have dealt with single-premium immediate annuities (SPIAs) used to generate lifetime income in retirement. The focus of those articles was the pricing and the risks of going without inflation protection. In addition to SPIAs, insurers […]

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Welcome to InFRE’s March 2019 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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March, 2019 InFRE Update: Revision to Current CRC® Certification Self-Study Continuing Education Credit Quiz Requirement

The CRC® Board of Standards and Policy Development recently adopted a change to the number of assessment questions required for self-study continuing education (CE) credit.  Effective April 1, 2019, the number of assessment questions required has been changed from ten questions per full CE hour to five questions per CE hour and three questions for […]

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The Couple’s Retirement Puzzle: Helping Couples Navigate Their Retirement Transition: Challenges and Opportunities

By Dorian Mintzer, M.S.W., Ph.D., BCC, CSA One of the things that I like to share with advisers working with couples is to think about the concept of a puzzle. It’s both a noun and a verb. It’s not as if the puzzle pieces are going to fit together like a jigsaw puzzle. Think about […]

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Hacking Longevity: How Three Generations Over 50 are Navigating Longer Lives

By Lori Bitter, The Business of Aging There are now three generations of adults over the age of 50 in the United States. The U.S. joins most of the developed nations of the world in increasing life expectancy.  According to the Pew Research Center, the world’s centenarian population (those living to age 100) is projected […]

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Through the Looking Glass: Three Popular Retirement Income Philosophies

By Jamie Hopkins, Esq., LLM, CFP®, ChFC®, CLU®, RICP Can we build systems and processes that really encourage the client, the end consumer, have a more secure retirement and overcome the hurdles we know exist because of misconceptions and fear from biases? How Can Advisors Provide Value? If we are a comprehensive advisor, there are […]

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Welcome to InFRE’s January, 2019 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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January, 2019 InFRE Update: Welcome to Our New Board of Standards and Standing Committee Members!

The Board of Standards and Policy Development (BOS), the policy-making and oversight body of Certified Retirement Counselor® (CRC®) Certification, recently chose three individuals to serve on the BOS beginning in January 2019. We extend our congratulations and sincere thanks to John Barker, CRC, CEBS, MBA, Assistant Director, Benefits Services, Colorado PERA, Kathryn Berkenpas, Vice President, Personal […]

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Advance Care Planning: A Critical Component for Building Client Relationships

By Paul Malley, President of Aging with Dignity More than 30 million people have already used Five Wishes. It’s available in 29 different languages and used by organizations, healthcare providers, and faith communities of diverse faiths from across the country and the world. Because it’s translated into 29 languages, it’s appropriate in very diverse populations […]

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Posted in: Legacy Planning, Medical and Long-term Care Planning, PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks

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How to Make Your Clients’ Money Last Longer with Withdrawal Sequence Strategies

By William Meyer, CEO, Retiree, Inc. and Social Security Solutions, Inc. Social Security planning is very technical. I’m proud that the software we have built based on our research is nation-leading. We were just ranked as the No. 1 Social Security analyzer in America. Our second software, Income Solver, will show you at the press […]

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

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® and InFRE here. This issue is no longer eligible […]

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Protecting Your Clients From Financial Abuse

By Bob Mauterstock, CFP®, ChFC, and 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. […]

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Posted in: Elder Financial Abuse, Exploitation and Fraud, PROTECT the Plan from Retirement Risks

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Social Security: Uncovering Opportunities to Bring Value to Your Clients and Prospects

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 […]

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Posted in: PROTECT the Plan from Retirement Risks, Social Security Planning

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

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® and InFRE here. This issue is no longer eligible […]

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

Please help InFRE maintain the credibility of your CRC® certification. 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 […]

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The Platinum Retirement Challenge: Gray Divorce

  By Lili Vasileff, CFP®, MAFF, CDFA, 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 […]

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Posted in: PROTECT the Plan from Retirement Risks, Women and Retirement

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

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 […]

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

By Erin Fisher, President, Find Medicare Plans, LLC Please note: all references to premium, deductible, copay, etc. dollar amounts reflect 2018 numbers. 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 […]

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

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® and InFRE here. This issue is no longer eligible […]

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

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. Get the most from your Certification by taking a few minutes during your first or next meeting with clients by: Explaining how the CRC® program […]

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Integrating Home Equity and Retirement Savings Through the “Rule of 30”

By Peter Neuwirth, FSA, FCA, and Barry Sacks, PhD, JD 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 […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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How to Protect an Aging Client’s or Adult Child’s Retirement Security from a Medical Crisis

By Annalee Kruger, President, Care Right 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 […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks

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

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® and InFRE here. This issue is no longer eligible […]

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January, 2018 InFRE Update: True Retirement Professionals

The International Foundation for Retirement Education (InFRE) created the Certified Retirement Counselor® (CRC®) certification in 1997 to raise the retirement readiness of the American worker by advancing recognition among financial professionals of the importance of earning a retirement-specific certification. To meet the requirements of today’s fiduciary environment, we believe it is critical to have an […]

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IRA Beneficiary Designations and Surviving Spouse Strategies

By Rex L. Hogue, Attorney and Partner, Haiman Hogue, PLLC Qualified retirement plans (QRPs) create numerous planning problems. I found that most people have no idea how much they complicate estate planning nor do they know how to deal with the complications. Many mistakes can be made that can be devastating, and frequently they are […]

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Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals

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The DOL Fiduciary Rule and Your Duty of Care

 By Blaine Aikin, AIFA®, CFA, CFP®, Fi36 There is a famous quote from Supreme Court Justice Benjamin Cardozo where he talks about the difference between fiduciary standards versus rules of the marketplace. He begins with “a trustee” – and whenever he talks about trustee, that is the classic way of thinking about a fiduciary. It […]

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Posted in: Retirement Plan Administration

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Essential IRA Tips for Helping Clients Save Taxes and Avoid Penalties

By Denise Appleby, CISP, CRC®, CRPS, CRSP, APA, President of Appleby Retirement Consulting, Inc. There is so much that we need to be paying attention to today to protect our clients. By the end of this article, I hope you learn how to prevent rollover and RMD mistakes that can cost your clients their IRAs, […]

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Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals

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Welcome to InFRE’s October, 2017 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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Elder Law Basics Part 2

By Amber B. Woodland, Esq., Partner at ProcinoWells & Woodland, LLC. The first half of this article was published in our July 2017 issue, and covered the basic definition of elder law, what is Medicaid, payment options for long-term care costs, how to qualify for Medicaid, the Medicaid asset or resource test, Medicaid transfer penalty […]

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Posted in: Legacy Planning, Medical and Long-term Care Planning, PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, Retirement Income Management

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Maximizing Your Clients’ Social Security

By Matthew Allen, CEO, Social Security Advisors About 70 percent of Americans fail to make a smart Social Security decision and instead just guess or claim early. On average, this costs about $120,000 per couple and amounts to about $25 billion per year in lost benefits. Why is this happening? Social Security is complicated. There […]

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Posted in: PROTECT the Plan from Retirement Risks, Social Security Planning

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The Holy Grail of Retirement: How to increase income and growth while improving liquidity

By Curtis V. Cloke, CLTC, LUTCF, RICP®, Founder of Thrive Income Distribution System, LLC There is a bridge in Honduras where no roads lead to it, and there’s no river running under it. A cyclone came through that was so severe that it took out all the roads that led to the bridge. It also […]

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Posted in: PROVIDE Retirement Income, Retirement Income Management, Retirement Investing and Investments

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Welcome to InFRE’s July, 2017 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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July, 2017 InFRE Update: Guidelines for the Use of the Certified Retirement Counselor® (CRC®) Mark

We’ve noticed recently that some CRC® Certificants need a reminder on how to properly display the marks on their business cards, email signatures, or on LinkedIn. Because the CRC® and Certified Retirement Counselor® marks are trademarked, it is important for all Certificants to properly display the marks in commerce.  CRC® Certificants are essentially “licensed” the right to use the […]

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Elder Law Basics

By Amber B. Woodland, Esq., Partner at ProcinoWells & Woodland, LLC. This is a topic that I am extremely passionate about. I love what I do; I love serving my community and seniors in my community and helping their families every single day. Most of us know of someone or have a loved one, friend, […]

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Posted in: Legacy Planning, Medical and Long-term Care Planning, PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, Retirement Income Management

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Where Senior Living and Retirement Planning Intersect, Opportunities Emerge

By Brad Breeding, CFP®, President and Co-Founder of MyLifeSite I was in the financial planning business for 14 years. I still maintain my CFP® designation because I don’t want to ever take that test again, but I’m no longer actively practicing. Rather, I am focusing on the business that I’m running today, MyLifeSite.net. The idea […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks, Retirement Income Management

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Welcome to InFRE’s April, 2017 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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April, 2017 InFRE Update: Volunteers Needed for the 2018 CRC® Practice Analysis Update

By Kevin S. Seibert, CFP®, CEBS, CRC®, Managing Director, InFRE The Certified Retirement Counselor® (CRC®) comprehensive examination is designed to ensure that all CRC® candidates possess the necessary knowledge and skills to competently fulfill their responsibilities as retirement counseling professionals.   The validity of the CRC® exam is dependent upon the Certified Retirement Counselor® (CRC®) Practice […]

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Three Steps to Helping Clients Manage Health Care Costs in Retirement

By David Armes, CFP®, Principal of Dover Healthcare Planning, LLC How are healthcare costs different? They increase at faster rates than other kinds of retirement spending. Over the last 20 years, healthcare inflation has risen at an average annual rate of about 2 percent more than other types of consumer inflation. Over time, for retirees […]

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Posted in: Medical and Long-term Care Planning, PROTECT the Plan from Retirement Risks, Retirement Income Management

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How to Use Reverse Mortgages to Secure Your Retirement

By Wade Pfau, Ph.D., CFA, author of academic retirement research with practical application, RetirementReseacher.com A lot of advisors did their due diligence about reverse mortgages in the past. But the research and the public policy changes over the past few years indicate that reverse mortgages can be a valuable tool in a retirement income plan […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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Change in Household Spending After Retirement: Results from a Longitudinal Sample

By Sudipto Banerjee, Ph.D. Employee Benefit Research Institute (EBRI) Introduction Spending is one of the crucial economic factors in retirement, so it is very important to understand the spending patterns of retired households and the causes that drive their spending behavior. Understanding spending patterns not only will help current retirees succeed, but it will also […]

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Posted in: PROVIDE Retirement Income, Retirement Income Planning and Spending

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Welcome to InFRE’s January, 2017 Issue of Retirement Insight and Trends

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® and InFRE here. This issue is no longer eligible […]

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January, 2017 InFRE Update: CRC® Certification Can be One Answer to the DOL Fiduciary Rule

By Kevin S. Seibert, CFP®, CEBS, CRC®, Managing Director, InFRE As the Bob Dylan song goes, “The Times They are a-Changin”.  Regardless if the DOL fiduciary rule is delayed, modified or repealed in the coming weeks or months, most retirement companies are in the process of implementing plans to meet rule requirements. Although these plans […]

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Women and Retirement

Presented by: Cindy Hounsell, JD, President of Wiser, Mary Beth Franklin, CFP®, Betty Meredith, CFA, CFP®, CRC®, President of Int’l Retirement Resource Center and Shelley Giordano, Chair of the Funding Longevity Task Force Most people are familiar with the issues that are unique to women. We’re talking about some issues that may be less familiar. […]

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Posted in: PROTECT the Plan from Retirement Risks, Women and Retirement

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Optimal Retirement Income Solutions in Defined Contribution Plans

By Steve Vernon, FSA, MAAA, Research Scholar, Stanford Center on Longevity Bill Sharpe, who won a Nobel Prize and is now associated with Stanford University, was recently he was quoted as saying, “Retirement income is a really hard problem. It’s the hardest problem I’ve ever looked at.”  If a Nobel Prize winner in economics, who […]

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