Retirement Upside

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

Tax Tips

How Dividend Investing Fits Into Retirement Portfolios

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The consistent payment of dividends indicates business stability and therefore offers predictability, which is naturally appealing to retirement investors.

2 min read
DC Plans

Why Uncle Sam Wants to Auto-Enroll America’s Retirement

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Over a 10-year horizon, a federal retirement program that auto-enrolls investors could add between $635 billion and $983 billion to its IRA system.

2 min read
Social Security

Here’s How Good Tax Advice Can Wreck Business Owner’s Social Security Checks

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Sometimes what makes sense on a year-by-year basis can come back to harm small-business owners in the long-run.

2 min read
Social Security

How Social Security Fits Into a Millionaire’s Retirement

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Think a client with a few million dollars saved can be casual about Social Security claiming? Think again.

2 min read
Tax Tips

Think Retirees Face Just 7 Tax Brackets? There’s More to the Story

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Medicare surcharges and taxes on Social Security benefits can catch uninformed clients (and advisors) by surprise.

2 min read
Tax Tips

The $124T Great Wealth Transfer Is Coming. So Are the Hackers

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Without stronger privacy controls, advisors risk lasting reputational harm from cybercriminals.

2 min read
DC Plans

How Are Private Markets Supposed to Fit into DC Plans?

Investor managing portfolio. Pie chart and candlestick charts.

It will take careful engineering, small allocations and coordination across a fragmented retirement system.

1 min read
Insurance and Annuities

Retirement Income Planning Is Now a Global Challenge

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Savings are increasing in defined contribution plans such as 401(ks), but many savers lack access to, and information about, guaranteed income sources.

2 min read
DC Plans

Ex-EBSA Head Lisa Gomez on 401(k) Trends, Fidelity-Pontera Dispute

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Substantial strides have been made in plan design and governance, but a big advice gap continues to stymie retirement savers.

5 min read
Insurance and Annuities

Advisors Weigh Risk, Opportunity in the Life Settlement Market

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Selling a life insurance policy alleviates one of premium payments and mismatched terms, but the process isn’t foolproof.

2 min read
DC Plans

Why Most Americans Expect to Delay Retirement by 4 Years

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Advisors say some clients are driven solely by the fear of running out of money, rather than an actual need to continue working.

2 min read
Tax Tips

Baby Boomers’ Riches Require a Retirement Playbook Rethink

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The wealthiest generation to ever enter retirement also faces the highest stakes when spending down their assets.

2 min read
DC Plans

Could Gen X Be More Scared of Retirement?

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The remedy may not always be easy, but advisors can make a long-lasting difference for America’s middle child.

2 min read
Tax Tips

Is AI the Answer for Mass-Market Retirement Advice?

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Savers with significant assets can get great retirement advice, but those of lesser means are often left out.

2 min read
DC Plans

The DOL’s New Proposal Is About More Than Alts in 401(k)s

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Retirement industry experts hope the proposed regulations will help put a stop to cookie-cutter lawsuits targeting well-meaning plan sponsors.

2 min read
Tax Tips

Gaps in Estate Planning Can Leave Crypto Assets Lost and Worthless

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Millions of dollars of crypto could be trapped in the abyss instead of being passed down as inheritance.

1 min read
Health and Long Term Care

Clients Forced to Make Roth Catch-Up Contributions? Consider HSAs

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A recent rule change requiring higher earners to use Roth accounts for catch-up contributions has some adopting a different strategy.

2 min read
Tax Tips

Early Gifts Can Kickstart Next-Gen Retirement Savings

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Parents can give up to $38,000 each year to their kids without triggering taxes, as much as $7,500 of which could be put in a Roth IRA.

2 min read
DC Plans

Bye-Bye, Biden-Era Fiduciary Rule. Here’s What Comes Next

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Insurance companies, broker-dealers and industry groups won a long battle with the DOL (at least for now).

2 min read
Health and Long Term Care

Claiming Medicare Is Just the Beginning Amid ‘Silver Tsunami’

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Getting the most out of Medicare requires regular reevaluation and carefully balancing risks with costs, experts say.

2 min read

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