Retirement savers, how much market risk can you handle?

Allan Roth has decades of experience constructing retirement investment portfolios for clients, but he never predicts the direction of the stock market. He does, however, predict human behavior. “People will buy after the market goes up,” said Roth, founder of Wealth Logic LLC, a fee-based investment advisory and financial planning firm based in Colorado Springs, […]

Why stock market dive points to good news for retirees

Whenever the stock market nosedives, retirement portfolios seem to get all the attention. And no doubt about it: the sharp market pullback that began two weeks ago is causing headaches for anyone on the verge of retirement. The big concern is so-called sequence of return risk – that is, the risk that a sharp downturn […]

Debate on safety of reverse mortgages for seniors heats up

Foreclosure is a frightening word – especially if the person losing her home is a senior living on a modest, fixed income. And some housing advocates worry that the number of foreclosures has risen sharply among one group of seniors: those who have taken out reverse mortgage loans. But a dive into the data suggests […]

Social Security online accounts: safe from identity theft?

More than 34 million Americans now conduct business with the Social Security Administration (SSA) online – and with that shift comes an increased risk of identity theft. For many, a MySSA account now is the only way to obtain an estimate of future benefits, since the agency no longer regularly mails annual benefit statements. MySSA […]

Nursing home study raises questions on Medicare managed care networks

Managed care is the hot trend in Medicare, with the number of seniors enrolled in Medicare Advantage plans projected to soar over the coming decade. These plans offer simplicity by combining all the different parts of Medicare into a single buying decision – and they can save you money. But before you sign up, ask […]

The year ahead: What retirees should watch out for in 2018

The economy is strong and the stock market is surging. Interest rates are rising a bit, but inflation looks steady. That should mean smooth sailing in 2018 for retirees and people planning for retirement, right? Even the new tax law didn’t do much to impact retirement: The final legislation dropped earlier proposals to sharply curtail […]

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Deregulation makes shopping for nursing homes more difficult in Trump era

Finding a safe, high-quality nursing home for a loved one is never an easy task. Complicated decisions often are made at a moment of emotional crisis and reliable guidance can be difficult to come by. And it is going to get more difficult. The Trump administration is moving quickly to deregulate nursing homes, complying with […]

For retirees, rising interest rates are a double-edged sword

Interest rates finally are on the rise after a decade stuck near zero – and that should be good news for retirees who need yield on safe investments like certificates of deposit and money market accounts. But higher rates will not be welcome news for all retirees. Americans are more likely than ever before to […]

2018 Won’t Be a Fizzy Year for COLAs

Riddle me this: The federal government announced that the standard Medicare Part B premium will stay flat in 2018, at $134 per month. Still, most retirees will pay more for Part B than they paid in 2017. And riddle me this, too: The annual Social Security cost-of-living adjustment for 2018 was set at 2%–yet benefits […]

With life expectancy gains down, tax bill will make things worse

The Republican tax bill approved by Congress this week will create financial headaches for millions of taxpayers trying to navigate all the new rates and rules. But the legislation now headed for President Donald Trump’s signature also will have this grim impact: thousands of additional, preventable deaths every year.Where do I get this outlandish-sounding prediction? […]