Browsing Tag
Income/Sequence of Withdrawal
29 posts
Sequence of Returns Risk Scaring Pre-Retirees
The devastating effects of “sequence of returns” risk are by now well-documented. Workers retiring into a down market…
Why Direct Rollover IRAs Make Sense as Retirement Income Solutions
While automatic features in 401(k)s have improved plan participation and increased savings, they’ve also added administrative complexity, cost,…
Minimum Distribution Problems—Why They Exist and What Can Be Done
The minimum distribution requirements of Internal Revenue Code Section 401(a)(9) generally require that plan participants withdraw at least…
How Much Do 401k Participants Know About Taxes in Retirement?
Benjamin Franklin tried to warn ‘em. “Nothing can be said to be certain except death and taxes,” he…
Ridiculously Bad Advice on the 4 Percent Retirement Rule
Boo on Business Insider for an irresponsible and downright awful article involving the 4 percent withdrawal rule. It’s…
First Rule of Retirement Income: What It Is, Why It’s Important
The first rule of retirement income hasn’t changed: Taking money from a qualified account before retirement—through cashouts, loan…
Shock (Not)! Media Hypes Retirement Savings ‘Crisis’
The retirement savings crisis is overblown. Not at all shocking in an era of sensationalized, 24-hour cable news, but…
After-Death Distributions: What 401k Advisors Need to Know
Unlike lifetime RMD distributions, after-death RMD distributions depend on the identity of the beneficiary(s) of the 401k participant.[1]…
What is the ‘Core Purpose’ of a 401k Plan?
It might seem like a splitting of hairs, but 401(k) advisors will understand the significance. A large majority…
Why Small Balance 401k Distributions Are Falling Through the Cracks
According to the recently released 2016 Willis Towers Watson U.S. Retirement Governance Survey, a major trend in retirement planning…