Retirement Upside

Actionable insights for financial advisors guiding clients through the strategies, products, and policy shifts shaping retirement outcomes.

DC Plans

Treasury, IRS Propose Streamlining Rollovers From 401(ks) to IRAs

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Instead of plan participants carrying much of the weight, recordkeepers would shoulder more of the burden.

2 min read
Tax Tips

How Retirement Savers Can Profit from Big IPOs

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It’s usually not by eagerly scooping up shares of a company before it has met the standards of inclusion for key indices like the S&P 500.

2 min read
Tax Tips

Advisors Can Be Heroes for the Sandwich Generation

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A quarter of Americans are caring for both children and parents. It’s both a financial and emotional challenge for clients, and advisors should make sure they take care of themselves before helping others.

2 min read
Health and Long Term Care

End of Part D Subsidies Raises Stakes for Medicare Enrollment

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Federal grants have helped keep Medicare Part D prescription drug costs down, but they’re set to end next year.

2 min read
Tax Tips

The Father of the 4% Rule Has New Ideas About Retirement Income

Photo via Bill Bengen

Bill Bengen never intended for the recommendation to become a baseline for retirement income spending, despite its popularity among prominent financial planners.

3 min read
Tax Tips

Trump Accounts Hit 7M Enrollees, Raising New Questions for Advisors

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Wealth managers agree that a free $1,000 is a good thing, but it may come with trade-offs.

2 min read
Social Security

Bipartisan Proposal Would Lift Social Security Tax Wage Cap

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Policy experts say removing the Social Security tax wage cap could eliminate more than half of the program’s forecasted financial shortfall.

2 min read
Tax Tips

Rule Changes Could Make This Charitable Giving Vehicle Even More Popular

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Donor-advised fund assets grew 19% last year to top $328 billion, according to IRS data, with no signs of slowing down

2 min read
Tax Tips

Even Wealthy Retirement Savers Are Losing the Battle Against Everyday Bills

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Nearly half of Americans are prioritizing day-to-day expenses over retirement savings. Even wealthy clients aren’t immune.

2 min read
Social Security

Clients Make Assumptions About Retirement. They’re Often Wrong

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From their expected retirement date to their risk of excess longevity, clients hold a lot of faulty beliefs about life after work.

2 min read
Health and Long Term Care

Ranking Last in Estate Planning, Gen X Risks Unforeseen Consequences

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Few people born from the mid-1960s to 1980 have written a will or completed other key steps like designating someone to hold medical power of attorney.

2 min read
Social Security

Higher Energy Costs May Boost Social Security COLA Next Year

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A welcome downturn in energy prices last month has reversed in July.

2 min read
Tax Tips

The New Retirement Plan: Living out of a Suitcase

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Advisors recommend careful planning to make sure that a more global approach to post-professional life doesn’t carry a bigger tax bill.

2 min read
Tax Tips

What’s the Magic Retirement Number? Check Your Clients’ ZIP Code

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Required nest eggs vary state to state, sometimes by hundreds of thousands of dollars, according to new research.

2 min read
Health and Long Term Care

The Medicare Myths Costing Retirees Thousands

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They can result in many thousands of dollars in excess costs and even jeopardize access to care in the worst cases.

2 min read
Tax Tips

Trump Accounts May Create Millionaire Gen-Beta Retirees

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Wealthy families who can contribute the maximum allowance have the biggest opportunity, but children of lower-income families also stand to benefit.

2 min read
DC Plans

Clients Have Retirement Savings Plans. Withdrawal Plans? Not So Much

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Only 22% of workers have given serious thought to their 401(k) withdrawal strategy, according to a new survey from TIAA and Nuveen.

2 min read
DC Plans

Why the Gen Z Dating Scene Is All About Retirement

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Survey data shows many Gen Zers are seeking partners who are smart with money, a reflection of current economic reality for young Americans.

2 min read
Tax Tips

New Tax Rules Are Making This Charitable Giving Strategy Even More Valuable

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The One Big Beautiful Bill has materially changed the economics of qualified charitable distributions.

2 min read
Tax Tips

Clients Have Money. They’re Just Not Sure What to Do with It in Retirement

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Less than a third of pre-retirees aged 55 and older actually have a plan for how they’ll withdraw money when they stop working.

1 min read

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