Posts Tagged Betty Meredith

Women and Retirement

Presented by: Cindy Hounsell, JD, President of Wiser, Mary Beth Franklin, CFP®, and Betty Meredith, CFA, CFP®, CRC®, President of Int’l Retirement Resource Center Most people are familiar with the issues that are unique to women. We’re talking about some issues that may be less familiar. Women earn less. It seems to be improving for […]

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

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The Stage is Set for Serving the Retirement Needs of the Middle Market

By Betty Meredith, CFA, CFP®, CRC®, Director of Education, and Research, InFRE Editor’s note: This presentation was delivered at the 2013 Financial Planning Association Annual conference. You can view brief YouTube clips of the original presentation here. You may also choose to take the full length course to earn 1 CRC®, CFP®, and/or PACE CE […]

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

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How Middle-Market Retirees Make Their Retirement Decisions

By Betty Meredith, CFA, CFP®, CRC® Director of Education and Research, InFRE As financial planners, we know that when someone arrives at retirement age and doesn’t have enough financial assets accumulated for retirement, there are still things they can do to substantially increase their retirement security even if the decision to retire has already been […]

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Posted in: PLAN for Retirement Readiness, PROVIDE Retirement Income, Retirement Income Planning and Spending

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Asset Management Approaches for Retirement Income Don’t Work for the Middle Market

By Betty Meredith, CFA, CFP®, CRC® Director of Education and Research, InFRE The financial planning industry is not ready to help the middle market make informed retirement decisions when they need it most. In my April, 2013 article in the Journal of Financial Planning (Still MIA: Comprehensive Best Practices for the Mid-Market), I referred to a […]

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

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Welcome to InFRE’s October, 2013 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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Posted in: Quarterly Issue Home Page

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Is Retirement Planning Advice (versus just investing advice) in the Workplace Now a Possibility?

By Betty Meredith, CFA, CFP®, CRC® Last year I went to the new Costco in Ann Arbor, MI because I could tell that my eyesight had changed so much that it was time for new lenses. I expected a glaucoma test first, but this doctor’s assistant instead used a diagnostic machine to take several pictures […]

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Posted in: PLAN for Retirement Readiness, PROVIDE Retirement Income, Retirement Counseling/Coaching, Retirement Distributions/Withdrawals, Retirement Income Planning and Spending

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Welcome to InFRE’s June, 2013 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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Posted in: Quarterly Issue Home Page

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Welcome to InFRE’s April, 2013 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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Posted in: Quarterly Issue Home Page

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Approaching the Underserved Middle-Market: Insights from Planners – Part II

This is the second half of a summary of focus groups with financial planners at the Financial Planning Association 2012 Retreat in Scottsdale, Arizona on May 6-7, 2012. The first half of this report appeared in the December, 2012 issue of Retirement Insight and Trends. By Anna Rappaport FSA, Jaleen Edwards, and Betty Meredith, CFA®, […]

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

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A Lasting Mother’s Day Gift for the Mid-Market

By Betty Meredith, CFA, CFP®, CRC® This Mother’s Day, reach out to three women who mean a lot you – your mother, aunts, sisters, cousins and even daughters – and review the following with them.   As a pre-read to this article, I highly recommend the November, 2010 article by Eleanor Blayney, “Empowering, Educating, and Engaging […]

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

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Developing Retirement Income Planning Guidelines for the Mid-market

By Betty Meredith, CFA®, CFP®, CRC® The U.S. Senate Special Committee on Aging asked the Government Accountability Office (GAO) to report on recommendations of professionals and choices made by American workers regarding retirement income. For this report, the GAO interviewed officials from the Department of Labor, the Internal Revenue Service, the Securities and Exchange Commission, […]

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

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Standardized “Sizes” Will Boost Quality of Retirement Security for the Mid-market

By Betty Meredith, CFA®, CFP®, CRC® I live just west of Dearborn, Michigan where Henry Ford revolutionized manufacturing in the early 1900s by creating the assembly line. Cars evolved from luxury item for the well-to-do to essential transportation for the ordinary man. Using innovative production techniques, Ford decreased the production time of a car from […]

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Posted in: PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, PROVIDE Retirement Income, Retirement Distributions/Withdrawals, Retirement Income Planning and Spending

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Managing Mid-Market Retirement Risks

By Betty Meredith, CFA®, CFP®, CRC® The financial industry generally classifies a client’s risk tolerance by their capability to assume investment risk. When retirement planning for the mid-market, retirement counselors need to prioritize a client’s ability to protect against the additional primary risks of inflation, longevity, health and long-term care before they plan for their […]

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

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How Well are Reverse Mortgages Meeting the Needs of the Mid-market?

By Betty Meredith, CFA®, CFP®, CRC® For the average mid-market American, home equity is their largest household asset. As retirement counselors, we need to understand options for helping retired clients appropriately use their home equity if their economic situation requires it, such as selling their home/downsizing if access to their equity isn’t feasible, or alternatives if they […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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Managing Retirement Income for the Middle Income Americans – Part 2

By Betty Meredith, CFA®, CFP®, CRC® Editor’s note: This is the second half of a two-part article on a retirement income planning process for the mid-market. The first half can be accessed here. Step 4: Identify Options for Addressing Gaps Steps 1, 2, and 3 make up the data collection phase of creating a retirement […]

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

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The Financial Recovery Continues: The Impact of the 2008–2011 Financial Crisis

Introduction: Since 2008, the financial atmosphere around the world has been in constant change. The 2008 downturn experienced in the United States has been followed by a rollercoaster-like recovery period. And this financial turmoil includes worldwide economic chaos, as well as the U.S. debt ceiling crisis in the summer of 2011. To measure the effects […]

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Posted in: PROTECT the Plan from Retirement Risks

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January, 2012 InFRE Update: Retirement Careers by InFRE

By Betty Meredith, InFRE’s Director of Education and Research In 2011, the retirement industry again reached a total asset size of over $17 trillion dollars (pre-2008 levels). With boomers retiring at a rate of 10,000 a day, there is an urgent need to increase the quality of advice and retirement security of the American worker. […]

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Posted in: The InFRE Update

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Can Annuity Purchase Intentions Be Influenced?

The findings in this study are applicable to not only purchase of annuities, but all financial products as well. The more effectively we as professional retirement counselors frame the education and guidance we give consumers and employees, the more receptive, desirous and confident consumers and employees will be to take steps to improve their retirement […]

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Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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Managing Retirement Income for the Middle Income Americans

Retirement income planning is the most important trend in the financial planning industry today, and it requires a new type of qualified retirement professional who can manage income at the start of and throughout retirement for middle-affluent and middle-mass clients. This article explains a six-step retirement income management process jointly developed by the International Foundation […]

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

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Outsourcing Education Development for Public Plans

Over 15% of all CRC® Certificants are from the public sector defined benefit and defined contribution communities. The Certified Retirement Counselor Certification® exam tests knowledge of developing and delivering effective education programs that increase the retirement preparedness of American workers. This article provides a look inside what leading public sector retirement plans are doing today […]

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Posted in: Public Sector Plans

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