Retirement Resource Center, Author at Retirement InSight and Trends

Author Archive

Welcome to InFRE’s March, 2014 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 […]

Posted in: Quarterly Issue Home Page

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March, 2014 InFRE Update: The Certified Retirement Counselor® (CRC®) Is Re-Accredited

Great news! The National Commission for Certifying Agencies (NCCA) has granted re-accreditation status to International Foundation for Retirement Education’s (InFRE) Certified Retirement Counselor® (CRC®) program for demonstrating compliance with the NCCA Standards for the Accreditation of Certification Programs. The CRC® program is re-accredited for another five-year period, expiring July 31, 2019. InFRE’s Certified Retirement Counselor certification […]

Tags: CRC

Posted in: The InFRE Update

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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 […]

Tags: Betty Meredith

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

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Behavior Insights to Improve Retirement

By Jodi DiCenzo, CFA, CPA, Behavioral Finance Expert Editor’s Note: The new retirement, where public employees will assume an increased role in securing their retirement future, changes the historically passive environment of public sector retirement savings and requires a new focus on helping employees save and invest more effectively in supplemental plans. This is a […]

Tags: behavioral finance

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

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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 […]

Tags: Betty Meredith, mid-market retirement, retirement income

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

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Don’t Let Disability Derail Retirement Security

By Anna Rappaport and David Kaleda Editor’s note: As we approach age 65, chances increase that a worker will experience a disability of several months or longer. When defined benefit plans were the norm, disabled employees had safety nets that protected their retirement security, because employers continued to make contributions/accrue retirement benefits in the defined […]

Tags: David Kaleda

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

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Using Automatic Escalation in Public Sector Retirement Plans to Increase Savings

By Paula Sanford, Center for State and Local Government Excellence Editor’s note: The following is an excerpt from the full Issue Brief published in March, 2014 by the Center for State and Local Government Excellence, which can be found here in its entirety. Introduction Public retirement plans have undergone significant reforms that require changes in […]

Tags: Paula Sanford

Posted in: Public Sector Plans

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Welcome to InFRE’s January, 2014 Issue of Retirement Insight and Trends

Posted in: Quarterly Issue Home Page

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The Personal Cost of Caregiving: Women Need to Protect THEIR Retirement Too!

By Cindy Hounsell, JD, President of Wiser Editor’s note: It’s estimated that more than 36 million households across the country have an adult who’s providing unpaid care to a family member. Sixty-six percent of those caregivers are women, according to the caregiving in the U.S. studied by the National Alliance for Caregiving. Caregivers spend an […]

Tags: Cindy Hounsell

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

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Still Missing in Action: Comprehensive Retirement Income Best Practices for the Mid-Market

By Betty Meredith, CFA, CFP®, CRC® Director of Education and Research, InFRE Serving the retirement planning needs of the mid-market will be the big career opportunity of people in the financial services industry today, in addition to health care planning. According to new LIMRA research, investible retirement assets of U.S. households aged 55+ are expected […]

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

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Is Retirement Past its Prime? The Economic & Behavioral Realities of Retirement

By Michael Falk, CFA, CRC®, Focus Financial Consulting Editor’s note: Below is an adaptation of the live webinar delivered by Michael Falk in 2014. Michael’s comments have been edited for clarity and length. You can view a short YouTube clip of the original presentation here. You may also choose to take the full length course, […]

Tags: behavioral finance, Michael Falk

Posted in: PROVIDE Retirement Income, Retirement Counseling/Coaching, Retirement Income Management, Retirement Income Planning and Spending

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Misperceptions and Management of Retirement Risks: Highlights from 15 Years of the Society Actuaries’ Research

By Carol Bogosian, ASA, EA, MAAA, President of CAB Consulting Editor’s note: This excerpted transcript is from our ongoing Retirement Professional Development courses, and highlights key research conducted by the Society of Actuaries, much of which InFRE has participated in over the last 15 years. It focuses on the misunderstandings of the risks faced by […]

Tags: Carol Bogosian, FPA

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

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United States Department of Labor Employee Benefits Security Administration Lifetime Income Calculator

Editor’s note: Last year, the Department of Labor’s Employee Benefit Security Administration (EBSA) published an advance notice of proposed rulemaking (ANPRM) about using lifetime income illustrations in defined contribution participant statements such as 401(k)s, 403(b)s, etc. to help employees understand what their savings might provide in terms of retirement income. Information like this can help […]

Tags: EBSA lifetime income calculator

Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals, Retirement Income Planning and Spending

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October, 2013 InFRE Update: How to Properly Use the Certified Retirement Counselor® and CRC® Marks

We’ve noticed recently that some CRC® Certificants are not properly displaying 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 […]

Posted in: The InFRE Update

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Year-end Planning and Compliance Requirements for IRAs

By Denise Appleby, CISP, CRC®, CRPS, CRSP, APA, President of Appleby Retirement Consulting, Inc. From a general perspective, we’re going to be looking at some transactions that must be completed by the end of the year in order for your clients to benefit from these provisions. I was speaking with some clients yesterday and I […]

Tags: Denise Appleby, IRAs

Posted in: PROVIDE Retirement Income, Retirement Distributions/Withdrawals, Retirement Plan Administration

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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 […]

Tags: Betty Meredith

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

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The 2013 EBRI-Greenwald Retirement Confidence Survey: Part II

By Brian Perlman, PhD, ChFC, CLU, Senior Vice President and CFO, Mathew Greenwald & Associates – Retirement Confidence Research Expert Editor’s Note: The following is the second half of an excerpt of the transcript of the live webinar Brian Perlman, PhD. provided in April, 2013 as part of the Retirement Resource Center’s Professional Development Program. […]

Tags: Brian Perlman

Posted in: PLAN for Retirement Readiness, PROTECT the Plan from Retirement Risks, Retirement Counseling/Coaching

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Standby Reverse Mortgages for Managing Retirement Income Risks

By John Salter, PhD, CFP®, AIFA®, Associate Professor, Personal Financial Planning, Texas Tech University Editor’s note: Many retirement professionals are concerned about the retirement security of the mid-market. Home equity is the average retiree’s second largest household asset behind their Social Security benefits – not only for the middle mass market, but most of the […]

Tags: Harold Evensky, John Salter

Posted in: PROVIDE Retirement Income, Retirement Investing and Investments

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A Tale of Two Teachers: A case study of retirement planning for a teacher approaching retirement

By Chuck Yanikoski, Founder and President of StillRiver Retirement Planning Software, Inc. Editor’s note: There were an estimated 3.7 million full-time equivalent elementary and secondary schoolteachers in the United States as of the fall of 2011. About three quarters of these teachers are female. In this article, Chuck Yanikoski of Still River Retirement Planning Software, […]

Tags: Chuck Yanikoski

Posted in: PROVIDE Retirement Income, Public Sector Plans, Retirement Income Planning and Spending

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The 2013 EBRI-Greenwald Retirement Confidence Survey: Part I

By Brian Perlman, PhD, ChFC, CLU, Senior Vice President and CFO, Mathew Greenwald & Associates – Retirement Confidence Research Expert Editor’s Note: The following is the first half of an excerpt of the transcript of the live webinar Brian Perlman, PhD. provided in April, 2013 as part of the Retirement Resource Center’s Professional Development Program. […]

Tags: Brian Perlman, retirement counseling, retirement planning

Posted in: PROTECT the Plan from Retirement Risks, Retirement Counseling/Coaching

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State and Local Government Spending on Public Employee Retirement Systems

State and local government pension benefits are paid not from general operating revenues, but from trust funds to which public retirees and their employers contributed while they were working. On a nationwide basis, pension contributions made by state and local governments account for roughly three percent of total spending (see Figure 1). Current pension spending […]

Tags: public sector retirement plans

Posted in: Public Sector Plans

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