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 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.
- The Impact of Retirement Age Uncertainty on Retirement Outcomes” by David M. Blanchett, CFA, CFP®, AIFA, 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 are and what they mean; understand the idea of retirement age uncertainty or very early retirement on required savings (and not surprisingly, it’s not good news); be aware that if they were retire to later, they could save less, but if they retire earlier, they have to save more.
- “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.
- “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 Amazon.
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