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Money Can’T Buy Happiness - But It Can Fund A Secure Retirement, Robyn A. Friedman Jul 2018

Money Can’T Buy Happiness - But It Can Fund A Secure Retirement, Robyn A. Friedman

In the News

When you think about your retirement, what do you envision? Traveling the world? Spending time with kids and grandkids? Lying on a secluded beach sipping a piña colada?


Connections, The American College Of Financial Services Jul 2018

Connections, The American College Of Financial Services

Connections

Volume 2

Issue 9


Connections, The American College Of Financial Services Jun 2018

Connections, The American College Of Financial Services

Connections

Volume 2

Issue 8


Connections, The American College Of Financial Services Apr 2018

Connections, The American College Of Financial Services

Connections

Volume 2

Issue 6


Connections, The American College Of Financial Services Mar 2018

Connections, The American College Of Financial Services

Connections

Volume 2

Issue 5


Connections, The American College Of Financial Services Feb 2018

Connections, The American College Of Financial Services

Connections

Volume 2

Issue 4


Connections, The American College Of Financial Services Aug 2017

Connections, The American College Of Financial Services

Connections

Volume 1

Issue 10


Solution For Establishing Equitable Housing In Silver Divorce, The American College Of Financial Services Apr 2017

Solution For Establishing Equitable Housing In Silver Divorce, The American College Of Financial Services

Infographics

No abstract provided.


Time Segmentation As The Compromise Solution For Retirement Income, Wade D. Pfau Phd Mar 2017

Time Segmentation As The Compromise Solution For Retirement Income, Wade D. Pfau Phd

Faculty Publications

The Financial Planning Association (FPA) divides retirement income strategies into three categories: systematic withdrawals, time-based segmentation and essential-versus-discretionary income. Time-based segmentation provides a middle ground between the two extremes represented by systematic withdrawals (relying on a total-return investment portfolio for all distributions) and essential-versus-discretionary (using insurance-based products to implement a lifetime-income floor before considering investments).


Be Wary When Giving Investment Advice To Clients, Jamie Patrick Hopkins Feb 2017

Be Wary When Giving Investment Advice To Clients, Jamie Patrick Hopkins

Faculty Publications

In April 2016, the Department of Labor (DOL) finalized its long-awaited conflict of interest rule and related prohibited transaction exemptions, expanding the definition of "fiduciary advice" under the Employee Retirement Income Security Act of 1974 (ERISA) and The Internal Revenue Code. While the new rules were primarily developed in an attempt to further regulate the advice provided by professionals in the financial services industry with respect to individual retirement accounts, the newly expanded definition of "investment advice" will inevitably cover advice commonly provided by estate planners.


Connections, The American College Of Financial Services Feb 2017

Connections, The American College Of Financial Services

Connections

Vol. 1

Issue 5


Understanding Reverse Mortgages: An Interview With Shelley Giordano, Pension Section News Feb 2017

Understanding Reverse Mortgages: An Interview With Shelley Giordano, Pension Section News

In the News

SOA research has shown that non-financial assets are the biggest part of retirement assets for many middle American families. The largest part of non-financial assets by far are home values.


5 Ways To Help Secure Retirement, The American College Of Financial Services Jan 2017

5 Ways To Help Secure Retirement, The American College Of Financial Services

Infographics

5 Ways to Help Secure Retirement


5 Surprises Of Retirement Income Planning, David Littell, Jamie Hopkins Jan 2017

5 Surprises Of Retirement Income Planning, David Littell, Jamie Hopkins

Infographics

As older Americans move into retirement, they face many decisions. Retirement income planning — making a plan to coordinate these decisions to ensure enough income to pay the bills and prepare for uncertainty— is critically important. But Americans may not be as knowledgeable as they should be to face these decisions.


5 Ways To Help Gen Y, Gen X, And Boomer Women Achieve Their Financial Goals, The American College Of Financial Services Jan 2017

5 Ways To Help Gen Y, Gen X, And Boomer Women Achieve Their Financial Goals, The American College Of Financial Services

Infographics

A 2015 analysis of the study, The Financial Needs of Women of Color, conducted by The American College State Farm® Center for Women and Financial Services revealed some striking similarities in women’s financial goals across generations and across racial backgrounds. However, it also uncovered an important distinction in the prioritization of these financial goals.


4 Ways Financial Advisors Can Help Millions Of Special Needs Caregivers, The American College Of Financial Services Jan 2017

4 Ways Financial Advisors Can Help Millions Of Special Needs Caregivers, The American College Of Financial Services

Infographics

New research has confirmed a tremendous opportunity for financial services professionals who want to expand their book of business by helping a chronically underserved audience - households and families with special needs.


24 Powerful Statistics For Financial Professionals Who Serve Special Needs Families (Or Want To), The American College Of Financial Services Jan 2017

24 Powerful Statistics For Financial Professionals Who Serve Special Needs Families (Or Want To), The American College Of Financial Services

Infographics

In a study conducted by Greenwald & Associates for The American College of Financial Services’ MassMutual Center for Special Needs, four distinct areas of opportunity were uncovered for advisors to expand their book of business by meeting the needs of a chronically underserved market: special needs caregivers and their families.


Disability - What You Don't Know Can Hurt You, The American College Of Financial Services Jan 2017

Disability - What You Don't Know Can Hurt You, The American College Of Financial Services

Infographics

A life-disability would be financially devastating for most Americans, especially women.


Widows Vs. Widowers: What They Need And Expect When Working With An Advisor, The American College Of Financial Services Jan 2017

Widows Vs. Widowers: What They Need And Expect When Working With An Advisor, The American College Of Financial Services

Infographics

A survey for the The American College State Farm Center for Women and Financial Services examined Widows and Widowers and the extent to which they chose to stay with their financial advisor after their spouse's death, chose to work with a new advisor, or chose not to work with an advisor at all. The study also looked at the reasons behind the decisions that were made.


6 Ways To Use Life Insurance As Part Of A Comprehensive Retirement Plan, The American College Of Financial Services Jan 2017

6 Ways To Use Life Insurance As Part Of A Comprehensive Retirement Plan, The American College Of Financial Services

Infographics

Experts suggest using life insurance strategically as part of a comprehensive retirement plan.


How A Special Needs Trust Creates Financial Security For Special Needs Families, The American College Of Financial Services Jan 2017

How A Special Needs Trust Creates Financial Security For Special Needs Families, The American College Of Financial Services

Infographics

One of the most effective tools for ensuring a secure financial future for individuals with special needs and their families is also a highly underutilized one: the Special Needs Trust (SNT). SNTs can offer long-term financial security that won’t jeopardize an in-need individual’s eligibility for government benefits like Supplemental Security Income (SSI) and Medicaid.


Work Longer? Or Use Home Equity To Fund Retirement?, The American College Of Financial Services Jan 2017

Work Longer? Or Use Home Equity To Fund Retirement?, The American College Of Financial Services

Infographics

Clients need to be more aware of their options for creating secure, sustainable retirement income.


3 Financial Subjects Least Understood By Americans, The American College Of Financial Services Jan 2017

3 Financial Subjects Least Understood By Americans, The American College Of Financial Services

Infographics

In a recent survey, The American College of Financial Services asked 1,244 consumers, aged 60 to 75 years old with at least $100,000 in assets other than their home, to take a quiz measuring their retirement income financial literacy.


The Power Of Retirement Income Financial Literacy - Retirement Planning, The American College Of Financial Services Jan 2017

The Power Of Retirement Income Financial Literacy - Retirement Planning, The American College Of Financial Services

Infographics

The American College of Financial Services surveyed Americans to find out what they know about retirement income. The survey measured Americans’ retirement income financial literacy to determine which aspects of retirement income planning were most and least understood.


The Power Of Retirement Income Financial Literacy - Literacy Impacts Financial Sophistication, The American College Of Financial Services Jan 2017

The Power Of Retirement Income Financial Literacy - Literacy Impacts Financial Sophistication, The American College Of Financial Services

Infographics

The American College of Financial Services surveyed Americans to find out what they know about retirement income. The survey was intended to determine which aspects of retirement income planning were most and least understood by this demographic.


Statistics Financial Advisors Should Understand About Working With Widows, The American College Of Financial Services Jan 2017

Statistics Financial Advisors Should Understand About Working With Widows, The American College Of Financial Services

Infographics

A survey for The American College State Farm Center for Women and Financial Services examined widows and the extent to which they chose to stay with their financial advisor after their spouse's death, chose to work with a new advisor, or chose not to work with an advisor after all. The survey also studied the reasons behind the decisions that were made.


The Power Of Retirement Income Financial Literacy - The Demographic Divide, The American College Of Financial Services Jan 2017

The Power Of Retirement Income Financial Literacy - The Demographic Divide, The American College Of Financial Services

Infographics

The American College of Financial Services surveyed Americans to find out what they know about retirement income. The survey measured Americans’ retirement income financial literacy to determine which aspects of retirement income planning were most and least understood.


The Power Of Retirement Income Financial Literacy, The American College Of Financial Services Jan 2017

The Power Of Retirement Income Financial Literacy, The American College Of Financial Services

Infographics

The American College of Financial Services surveyed Americans to find out what they know about retirement income. The survey measured Americans’ retirement income financial literacy to determine which aspects of retirement income planning were most and least understood.


What Keeps Women Small Business Owners Up At Night?, The American College Of Financial Services Jan 2017

What Keeps Women Small Business Owners Up At Night?, The American College Of Financial Services

Infographics

Research conducted by The American College shows that the majority of women business owners fall into one of four major categories that describe their financial goals and needs. These categories reflect different levels of stress, abilities to achieve work/life balance and individual confidence.


The Financial Needs And Attitudes Of Women Of Color, The American College Of Financial Services Jan 2017

The Financial Needs And Attitudes Of Women Of Color, The American College Of Financial Services

Infographics

Research conducted by The American College shows that most women do not feel very financially secure. A primary reason for shared uneasiness regarding their economic well-being relates directly to the fact that many have not established any cash reserves.