Retirement InSight and Trends is the quarterly newsletterr 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 for CE credit. Click here to see other free issues that you may read. Recent issues are eligible for CRC®, CFP®, CRPC®, ASPPA, the American College’s Professional Recertification Program (CLU®, ChFC®, CASL) and other CE credit when you pass the online exam.
The articles below comprise this retirement-specific newsletter. Click on the links below to read each article online separately, or click here to view and print the issue in its entirety.
- “Housing Wealth: A Retirement Asset for the Middle Market” by Shelley Giordano, Chair of the Funding Longevity Task Force: Strategic use of housing wealth to offset volatility in the portfolio should be a prime consideration early in the distribution phase; establishing a line of credit that keeps pace with inflation can provide the funds for a long term care event; a reverse mortgage strategy can prevent selling the marital home and provide the means for equitable housing for both parties; for women, having access to reverse mortgage financing can bridge the income gap for Social Security deferral
- “Grey Divorce and Retirement” by Andrew Samalin, CFP, EA, CDFA, Expert in Divorce and Retirement: Strategic use of housing wealth to offset volatility in the portfolio should be a prime consideration early in the distribution phase; establishing a line of credit that keeps pace with inflation can provide the funds for a long term care event; a reverse mortgage strategy can prevent selling the marital home and provide the means for equitable housing for both parties; for women, having access to reverse mortgage financing can bridge the income gap for Social Security deferral.
- “Retirement Security”– article highlights information provided in the March 2016 GAO Report to Congressional Requesters: What consumption in retirement looks like and how target replacement rates are developed; whether and how spending patterns vary by age; and key factors used to develop target replacement rates.
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