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The stock-market drop and recession have decimated retirement savings, and U.S. households have responded by turning away from rebuilding wealth. Roughly half of all households that have money to invest can be classified as disengaged. How are you reaching out to these prospects?
Stocks in the long run are just as risky as stocks in the short run, says one prominent finance professor. He recommends investing 90% of the retirement portfolio in TIPS and 10% in call options. Another alternative may be to invest the 10% in high beta assets. They are simpler to use than call options, and they never expire.
Economic and market pressures have forced many baby boomers to rethink their retirement schedule. A recent study can help you step near-term retirees through the recalculation process by quantifying their possible Social Security benefits, asset allocation, and income needs to arrive at a Plan B retirement date.
After a "lost decade" of essentially zero returns, investors are increasingly interested in protecting their retirement income with immediate annuities. But that doesn't mean an annuity is the best solution for your clients. Here's how to evaluate whether it is more prudent to buy an immediate annuity or keep assets invested.
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Social Security and Medicare Workshop
With Elaine Floyd, CFP®
May 12–15, 2025
The Discovery Meeting Workshop: Transform Your Discovery Process
May 19–20, 2025