Posts Tagged mid-market retirement

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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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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Sounds Like a Plan

By Kerry Prechter, Editor, Retirement Income Journal A directory of 27 software tools accompanies this overview of the rapidly evolving retirement planning technology industry. “Only the dead know Brooklyn,” a great novelist once wrote. Thomas Wolfe wasn’t referring to zombies; he was just observing that no one alive could possibly know everything there was to […]

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Posted in: PROTECT the Plan from Retirement Risks, PROVIDE Retirement Income, Retirement Income Planning and Spending, Retirement Product Trends

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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

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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