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Welcome to the April, 2023 Issue of Retirement Insight and Trends

Retirement InSight and Trends is the quarterly newsletter from the Retirement Resource Center that helps committed professionals with the practical application of new concepts in the field of retirement readiness, counseling, planning and income management. This issue is worth one free CRC®, CFP®, ASPPA, and the American College’s Professional Recertification Program (CLU®, ChFC®, CASL) CE […]

Tags: American College, ASPPA, CFP, CRC, InFRE

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Bonds Away! How Fixed Income Can Play an Integral Role in Any Retirement Strategy

By Russell Wild, MBA, Principal of Global Portfolios Welcome to the wonderful and wacky world of bonds. Why wacky? Almost nothing I can think of, not even writing a novel, that looks so simple but can be so complex once you delve into it. If you have ever been lost in some complexities, we can […]

Tags: Joseph Tabers

Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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Adapting Your Communication Style for More Effective Client Relations

By Joseph Tabers, CSP, President of Productive Training, Inc. To understand our client’s communication style, usually, the first place to start is with ourselves. Think about what comes easy for you; what are you good at? For example, some people are good listeners, some are good at asking questions, and some are good at patience. […]

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Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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Welcome to InFRE’s January, 2023 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 […]

Tags: American College, ASPPA, CFP, CRC, InFRE

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Retire With More – Tax-Advantaged Business Sales

By Tiffany T. House, CAP®, CEPA, FCEP, Gift Planning Institute and Tax & Estate Strategy There are many tax-advantaged sale options. My goal is to help you understand how various planning tools apply to different corporate structures of businesses like S-Corp, C-Corp, and LLCs and for you to feel confident as an advisory team member when […]

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Helping Clients Provide for Their Child and Protect Their Retirement with Special Needs Planning – Trusts, Benefits and ABLE

By Derek Graham, Partner, Resch, Root, Philipps & Graham, LLC My business partner and I teach a class at Ohio State. In this class, we talk about a triangle of services in financial planning. The bottom of the triangle is what everyone expects from their financial planner, and the top of the triangle is less-encountered issues. […]

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Posted in: PROTECT the Plan from Retirement Risks

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How Social Security Benefits Taxation and IRMAA Raise Marginal Tax Rates in Retirement

By Greg Geisler, PhD, CPA, Clinical Professor of Accounting at Indiana University-Bloomington The Social Security Tax Torpedo is a problem for moderate-income retirees. “Tax Torpedo” is a cute word for a very high marginal tax rate. If you have additional income above a certain level, that increases the amount of Social Security benefits subject to […]

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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Protecting Seniors from Identity Theft and Scams

By Steve Weisman, JD, Professor, Bentley University, Editor, scamicide.com Things are not as bad as you think. They are worse. A congressional study showed that seniors are 12 percent of the population but 30 percent of the scam victims. A MetLife Mature Market Institute study showed that the cost is about $3 billion annually. The […]

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

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Cryptocurrency Investments – What Financial Advisors and Planners Need Know to Avoid Legal Actions

By Andrew Shedlock, Partner, Kutak Rock My goal is to help planners and fiduciaries understand the basis of cryptocurrency investments, what a crypto token is, what Bitcoin is, and how they work. I want to inspire you to learn more about what I can trigger in your mind about cryptocurrency. First, crypto is an alternative […]

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

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Gray Divorce: Today’s Platinum Retirement Challenge

By Lili Vasileff, CFP®, MAFF, CDFA, Wealth Protection Management Conflicts over money happen to be the number one predictor of divorce. In 1960, we had an increase in divorce through the late 70s and 80s. Starting around 1990, it started to stabilize, then become stagnant, and even decline slightly. But what’s interesting about this […]

Tags: divorce, Lili Vasileff

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

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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Meeting the Challenges of Solo Aging

By Sara Zeff Geber, PhD I live in California, the land of good wine, and it was in the Silicon Valley area that I met with a friend at one of those cute little wine bars in Palo Alto. She started to talk about everything she had been doing over the last year plus for […]

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Posted in: PLAN for Retirement Readiness, Successful Aging

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Critical Rules for Moving Retirement Accounts: Transfers, Rollovers, Roth IRA, and In-plan Conversions

By Denise Appleby, MJ, CISP, CRC®, CRPS, CRSP, APA, Founder and Owner of Appleby Retirement Consulting, Inc. When we look at the statistics, we see that most Americans are behind the eight ball when saving for retirement. Most of those who have anything saved are held in tax-deferred retirement accounts, so we have to help […]

Tags: Denise Appleby, IRAs

Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals

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Age Wave: Meeting the Elder Planning Needs of Today’s Retiree

By Bob Mauterstock, CFP®, ChFC, and CLTC, Eldercare Expert, Speaker, Author, Facilitator Most of us are not aware of the changing dynamics within our country. The fastest-growing age group in this country is the people over the age of 85. Many retirees could live 30 or more years in retirement, and they may live as […]

Tags: Bob Mauterstock, Elder Planning Needs

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

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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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 […]

Tags: CRC, InFRE

Posted in: The InFRE Update

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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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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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Advance Planning for Clients with Health Savings Accounts (HSAs) and Medicare

By Kelley Long, CPA/PFS, CFP® This article is about avoiding pitfalls when continuing to contribute to a health savings account (HSA) once you’re receiving Medicare. There are a lot of Medicare rules that I have had to become familiar with; I do not want to put myself out as a consultant for when and how […]

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Posted in: PROTECT the Plan from Retirement Risks

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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Social Security GPO: FOMO, IDK, or LOL??

By Michael Wilson, CFP®, RC®, RICP®, Integrity Financial Planning If you do not know the acronyms, i.e., if you do not have a teenager running around, FOMO stands for fear of missing out. When people who have worked for an agency where they did not pay into Social Security, maybe they’ve heard of this GPO (government […]

Tags: CFP, CRC, Michael Wilson, RICP®

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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 […]

Tags: CFP, CRC, Greg Geisler, RICP®

Posted in: PROTECT the Plan from Retirement Risks

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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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 […]

Tags: CRC, InFRE

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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 […]

Tags: CFP, CRC, Kathi Balasek, RICP®

Posted in: PLAN for Retirement Readiness

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Social Security WEP: FOMO, IDK, or LOL??

By Michael Wilson, CFP®, RC®, RICP®, Integrity Financial Planning When it comes to WEP and Social Security, your workers, your employees, or you – if you work for a Social Security exempt agency – may have a fear of WEP (the Windfall Elimination Provision). FOMO means Fear of Missing Out. IDK stands for I Don’t Know. […]

Tags: CFP, CRC, Michael Wilson, RICP®

Posted in: PROVIDE Retirement Income

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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 […]

Tags: retirement counseling, Robert Laura

Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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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 […]

Tags: CRC, InFRE

Posted in: The InFRE Update

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New Horizons in Estate Planning

By Steve Parrish, JD®, RICP®, CLU, ChFC®, AEP®, Co-Director Retirement Income Center and Adjunct Professor of Advanced Planning at The American College Estate planning is typically not a top of mind for consumers. However, lately, it has been a hot topic. I was surprised earlier this month when I was watching TV, and the local […]

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Analyzing the Fixed Indexed Annuity (FIA)

By Tamiko Toland, Director, Retirement Markets, CANNEX There has been much change in this part of the industry since the original fixed index annuity product (FIA) was introduced in the late 1990s, and quite a lot of change just in the past couple of years. This is a very dynamic part of the industry. FIAs […]

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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

Tags: American College, ASPPA, CFP, CRC, InFRE

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Advanced Annuity and Tax Strategies for Retirement Income

By Curtis V. Cloke, CLTC, LUTCF, RICP®, Founder of Thrive Income Distribution System, LLC We can improve the knowledge about the best and worst uses of annuities because often, there are myths. This article is an advanced discussion, so we will assume that you know basic annuity tax facts. Breaking Myths and Biases Regarding Annuities […]

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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

Tags: American College, ASPPA, CFP, CRC, InFRE

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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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Posted in: The InFRE Update

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

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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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Posted in: PROTECT the Plan from Retirement Risks

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

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

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

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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July, 2020 InFRE Update: CRC® July Testing Extended

From Kevin Seibert, CFP®, CRC®, CEBS Managing Director, InFRE The environment in which we work has changed so much over the past several months. It is during trying times like now that your clients and plan participants will see the true value of working with a retirement professional that is committed to helping them navigate […]

Tags: CRC, testing

Posted in: The InFRE Update

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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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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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

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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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Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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

Tags: American College, ASPPA, CFP, CRC, InFRE

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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 […]

Tags: Denise Appleby, IRAs

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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Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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

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

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

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

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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

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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. […]

Tags: accreditation, CRC, National Commission for Certifying Agencies (NCCA)

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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 […]

Tags: Cameron Giardini, Joanne Giardini-Russell

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

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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

Tags: American College, ASPPA, CFP, CRC, InFRE

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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 […]

Tags: CFP, CRC, Michael Wilson, RICP®

Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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

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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

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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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Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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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 […]

Tags: Longevity, Lori Bitter

Posted in: PLAN for Retirement Readiness, Successful Aging

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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 […]

Tags: Jamie Hopkins, Through the Looking Glass

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

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

Tags: American College, ASPPA, CFP, CRC, InFRE

Posted in: Quarterly Issue Home Page

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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 […]

Tags: Board of Standards, InFRE

Posted in: The InFRE Update

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Retirement Planning Beyond the Dollars and Cents

By Robert Laura, CPRC Many people talk about how retirement is changing, but no one is talking about why or how. My goal is to help you generate a new mindset and a new conversation. In the past, the “haves” are people who had money and lived a life of leisure. That has changed because […]

Tags: retirement counseling, Robert Laura

Posted in: PLAN for Retirement Readiness, Retirement Counseling/Coaching

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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 […]

Tags: Advance Care Planning, Paul Malley

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

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

Tags: American College, ASPPA, CFP, CRC, InFRE

Posted in: Quarterly Issue Home Page

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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. […]

Tags: Bob Mauterstock, elder abuse, financial abuse

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

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

Tags: American College, ASPPA, CFP, CRC, InFRE

Posted in: Quarterly Issue Home Page

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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 […]

Tags: InFRE, NCCA

Posted in: The InFRE Update

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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 […]

Tags: divorce, Lili Vasileff

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 […]

Tags: Wade Pfau

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

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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 […]

Tags: Erin Fisher, Medicare

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

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

Tags: American College, ASPPA, CFP, CRC, InFRE

Posted in: Quarterly Issue Home Page

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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 […]

Tags: CRC, duty of care, InFRE

Posted in: The InFRE Update

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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 […]

Tags: Barry Sacks, Peter Neuwirth

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 […]

Tags: Annalee Kruger, health care

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

Tags: Blaine Aikin, Denise Appleby, DOL Fiduciary Rule, Rex Hogue

Posted in: Quarterly Issue Home Page

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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 […]

Tags: DOL Fiduciary Rule

Posted in: The InFRE Update

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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 […]

Tags: IRAs, Rex Hogue

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 […]

Tags: Blaine Aikin, DOL Fiduciary Rule

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, […]

Tags: Denise Appleby

Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals

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

Tags: CRC, Curtis Cloke, Matthew Allen

Posted in: Quarterly Issue Home Page

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October, 2017 InFRE Update: Volunteers Help All CRC® Certificants

By Kevin S. Seibert, CFP®, CEBS, CRC®, Managing Director, InFRE Those who volunteer their time and expertise to serve on a CRC certification program committee help to ensure that the CRC meets the highest credibility standards and is maintained as one of the very few financial designations accredited by the National Commission for Certifying Agencies […]

Posted in: The InFRE Update

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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 […]

Tags: elder law, long term care, medicaid

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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