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August 28th, 2018

Unpredictable Retirement Age Calls for New Planning

Researchers are increasingly finding that people underestimate the age they will—or will need to—retire. Delaying retirement can have a significantly positive effect on the probability of an investor achieving retirement success; however, Morningstar found the uncertainty around retiring earlier than expected results in much lower probabilities of success for people planning to retire after age 61. Morningstar suggests individuals and their advisers must incorporate retirement age uncertainty in their retirement planning by focusing on saving.Read more >

A Combination of Changes Can Improve an Individual’s Retirement Outlook

For both the general public and mass-affluent households, saving more, choosing to invest one’s savings, delaying retirement and lowering standard-of-living expectations have a far greater effect on one’s retirement outlook than asset allocation, reducing fees or achieving alpha, Morningstar found.Read more >
Loan Defaults and Non-Military Leaves of Absence
“The cure period where a loan repayment was not made prior to a military leave, but a default has not yet taken place, is extended by the length of the military leave so that no loan payments are due even though the loan was not current when the leave commenced. Would the same extension apply for a non-military leave, or would a clock on the cure period keep ticking during a non-military leave of absence until a loan repayment was made?”Read more >

ICI Finds Patterns in Retirement Plan Participant Loan Activity

ICI finds that two factors appear to influence defined contribution (DC) plan participants’ loan activity: reaction to financial stresses and a seasonal pattern.Read more >

Will Strong Support for RESA Remain After Mid-Terms?

Although Senator Orrin Hatch, champion of the Retirement Enhancement and Savings Act, is retiring in January, there is still much hope that many of his retirement plan proposals will move forward after the mid-term elections.Read more >

Industry Veterans Affiliate with PlanMember Securities Corporation

David Penwell and Rich Treta of Penwell Treta Wealth Management (PTWM) in Fort Worth, Texas,  announced their affiliation with PlanMember Securities Corporation as a new PlanMember Financial Center, to expand retirement, investment planning and financial education opportunities for educators and employees of nonprofit organizations in the Dallas – Fort Worth area.Read more >

Editorial: Alison Cooke Mintzer alison.mintzer@strategic-i.com

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