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Retirement Income

BY NAPA Net Staff | 11/29/2021
In a move likely to spur an increase in adoption of lifetime income solutions among retirement plans, Fidelity Investments has unveiled plans to launch a retirement income product. Fidelity has... Read More
BY Ted Godbout | 11/12/2021
While 4% generally has been considered a safe withdrawal rate for retirees for the better part of the last three decades, a new paper by Morningstar argues that, given current conditions, the rate... Read More
BY Nevin E. Adams, JD | 10/19/2021
It’s ironic that programs designed to provide retirement income pay so little attention to the realization of that objective. That’s right—for the vast majority of participants today, creating... Read More
BY John Iekel | 9/2/2021
The increased prevalence of DC plans has heightened the importance of portability and the rules and circumstances affecting it, says a recent analysis that addresses common questions that arise as a... Read More
BY Ted Godbout | 8/31/2021
While the future ramifications of the pandemic remain uncertain, it did apparently have an impact on the long-term financial status of the Social Security Trust Funds.  According to the... Read More
BY Ted Godbout | 8/25/2021
New research finds that de-risking is commonplace, with 75% of retirees reducing their equity exposure when they roll over their assets from a 401(k) to an IRA, but doing so at an inopportune time... Read More
BY Michael P. Barry | 8/25/2021
In the early 1980s, I worked at a very big company that introduced one of the first 401(k) plans. To give the plan an appealing “brand,” the company called it The Capital Accumulation Plan. I... Read More
BY NAPA Net Staff | 8/17/2021
Women have an important voice on economic issues, and an upcoming complimentary virtual gathering will discuss that and more. On Thursday, Aug. 19, Rachel Pearson—founder of Engage, a bipartisan... Read More
BY Nevin E. Adams, JD | 8/10/2021
A new survey once again highlighted a consistent regret among American workers.  According to the survey by American Century Investments, they wish they had saved more for retirement.... Read More
BY Nevin E. Adams, JD | 7/27/2021
My wife and I recently celebrated our wedding anniversary—it was a “big” one, one of those that almost takes your breath away thinking about how rich your life together has been. If someone had... Read More
BY Nevin E. Adams, JD | 7/6/2021
I was discussing the subject of retirement over the long holiday weekend with family.  There was a lot of talk about Social Security (or the looming lack thereof), the impact(s) of inflation... Read More
BY NAPA Net Staff | 6/28/2021
Remember the Romney IRA? Now there’s a new hue and cry and it could spell trouble for Roth IRAs, and Roth IRA conversions. The trouble began last Thursday when ProPublica published an article... Read More
BY Ted Godbout | 6/25/2021
In what is described as leaving money on the table, a new survey finds that few near-retired Americans are planning to wait until the age they become eligible to claim maximum Social Security... Read More
BY Ted Godbout | 6/23/2021
  A new report by Cerulli suggests that many larger plan sponsors have an interest in retaining the assets of retired participants, while providers say that some of their larger plan sponsor... Read More
BY Ted Godbout | 6/21/2021
Investors apparently are eager for financial protection, but financial professionals continue to underestimate how much their clients are looking for protected income in retirement, according to a... Read More
BY Ted Godbout | 5/19/2021
A new survey reveals a major disconnect in perceptions between the expectations of retirement among those who are still working and the experiences of those who have already retired.  ... Read More
BY Ted Godbout | 5/13/2021
Next year’s cost-of-living adjustment (COLA) for Social Security—a precursor of what can be expected for retirement plan contribution and benefit limits—could be the highest since 2009. ... Read More
BY Ted Godbout | 4/27/2021
While most DC plans offer tools and advice on achieving retirement objectives, retirement income solutions are still not commonplace and are not even among the top priorities of plan sponsors. ... Read More
BY Ted Godbout | 4/6/2021
Deciding when to claim Social Security benefits has significant financial ramifications for retirees, but a new poll finds that a striking percentage of near-retirees still lack even basic knowledge... Read More
BY Nevin E. Adams, JD | 3/5/2021
An intriguing “consortium” of retirement plan providers have teamed up on a new QDIA offering that incorporates a retirement income solution. The product—tagged Income AmericaTM 5ForLife—is a... Read More
BY Nevin E. Adams, JD | 2/23/2021
A recent industry trade article questions the efficacy of saving early for retirement—and notes that there “may even be such a thing as saving too much.”  What launches that premise is a... Read More
BY Ted Godbout | 2/23/2021
Retirees face a difficult job figuring out how to draw down their 401(k) and often claim Social Security the earliest they can, but a new white paper suggests that a “Social Security bridge” could be... Read More
BY Steff Chalk | 2/10/2021
Plan sponsors and fiduciaries have a lot on their minds these days. One’s duty as a retirement plan fiduciary often can be the most challenging of all job functions. Yet rarely is a new plan sponsor... Read More
BY Nevin E. Adams, JD | 2/2/2021
Today is the day upon which America turns its attention to Punxsutawney, PA (and what seems to be a rapidly expanding array of Punxsutawney Phil wannabes) to get a read on the duration of winter... Read More
BY Ted Godbout | 2/1/2021
Thanks to the SECURE Act, lifetime income options may become more widely available, but a new blog post suggests that plan sponsors may need to consider more than a one-size-fits-all solution. ... Read More

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