Yellen Tilts Toward Fed Action in December

    August 26, 2016 2:19 PM by Zane Brown

    In her closely watched speech at the U.S. Federal Reserve’s annual symposium in Jackson Hole, Wyoming, the Fed chair signaled a higher likelihood of a rate hike in December. 

    Media coverage and memories of former U.S. Federal Reserve (Fed) chairman Ben Bernanke’s surprise signaling of the second phase of quantitative easing (QE2) at the 2010 event of the Fed’s annual late-summer symposium at Jackson Hole, Wyoming, kept investors’ attention focused on the opening speech from the current Fed chair, Janet Yellen, for the 2016 gathering. 

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    The Fed Deserves Praise, Not Scorn

    August 26, 2016 1:35 PM by Giulio Martini

    It would be the height of irony if the Fed’s critics succeed in snatching defeat from the jaws of victory.

    In a provocative editorial published in The Wall Street Journal, on August 25, Kevin Warsh, who served (2006–11) on the board of governors of the U.S. Federal Reserve, takes the Fed to task for how it has pursued, since 2008, its policy objectives of 2% inflation and maximum employment. He seems to believe that the Fed is oblivious to forces that are bearing down on it from both Congress and the public that ultimately will threaten its independence unless economic growth accelerates.

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    IRAs versus 401(k)s: More Rules You Should Know

    August 25, 2016 3:05 PM by Brian Dobbis

    Back by popular demand: rule differences we didn’t cover last week.  

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    Summer sequels may be standard fare in the movie business, but not so much in retirement planning. So without much further ado, I present a continuation of last week’s blog to cover additional rule differences that separate IRAs from 401(k) plans. 

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    IRAs versus 401(k)s: Key Rule Differences

    August 18, 2016 10:30 AM by Brian Dobbis

    IRAs and 401(k)s both have unique tax benefits, and different rules. Understanding them can help you manage your retirement savings.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    $12.2 trillion! That’s the aggregate amount that Americans have saved in IRAs and 401(k) plans (as of March 2016)—and roughly half of the $24 trillion in qualified assets marked for retirement, according to the Investment Company Institute. Careful comparison between those two savings options can help you choose how best to increase your nest egg.

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    Self-Directed IRAs Explained

    August 11, 2016 11:26 AM by Brian Dobbis

    The rules and process may be quite a maze, but with the right advice, investors can save for retirement with a wide range of alternatives. 

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    When it comes to building wealth through IRAs, most investors think of widely available vehicles such as a traditional IRA, a Roth, SEP, or SIMPLE. Do-it-yourself investment scenarios involving real estate, to cite one example, might seem too complicated and costly. 

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    Naming IRA Beneficiaries: Don’t Rely on Your Will

    August 4, 2016 4:12 PM by Brian Dobbis

    Failing to name beneficiaries on retirement accounts is one of the biggest mistakes investors can make. Don’t forget that important step in the planning process. 

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    Now that the dog days of August are upon us, it’s a fine time to conduct an informal beneficiary review for all retirement clients. The result of overlooking or neglecting beneficiary planning can be nothing short of ruinous. Broach the topic of beneficiary planning, in case some erroneous assumptions have been made. Too often they have.

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    Tips for Roth IRA Heirs

    July 29, 2016 3:09 PM by Brian Dobbis

    Anyone who has inherited a Roth IRA probably has many questions. Here are some answers. 

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    No matter where in the country I give presentations to financial advisors, there always seem to be questions about the vicissitudes and attitudes toward inheriting Roth IRAs. 

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    Explore the HSA by Rolling Over Your Retirement Savings

    July 22, 2016 3:18 PM by Brian Dobbis

    Have you taken full advantage of health savings accounts (HSAs)? The tax savings can help defray the cost of living and getting sick.

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    Now that it’s political convention season, imagine for a moment a crowd chanting, “HSA…HSA…HSA!” Far-fetched as that might sound, health savings accounts (HSAs) have gained widespread support since they were created in 2003 as part of the Medicare Modernization Act.

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    Fixing Health Care

    July 19, 2016 3:33 PM by Lord Abbett Editorial Staff

    Can "bundled payments" drive better care and lower costs? Lord Abbett research analysts discuss the investment implications. 

    While the current political environment may be as polarized as ever, it is much easier to find consensus on America’s healthcare system: it’s a mess.

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    Why Roth IRAs Appeal to Millennials

    July 15, 2016 5:15 PM by Brian Dobbis

    Millennials—the generation born between 1980 and 2000—are warming to the retirement saving advantages of Roth IRAs. 

    THE ROAD TO RETIREMENT with BRIAN DOBBIS 

    As a group, millennials outnumber baby boomers. In fact, within 10 years, millennials are projected to account for three-quarters of the U.S. workforce, according to Javelin Research and Strategy. Their incomes are climbing (and, on an aggregate basis, are about to pass boomers; see Chart 1), and they are beginning to save more. All of which has created new opportunities for financial advisors, particularly when it comes to Roth IRAs.

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