The 10 Best and 10 Worst States for Retirement in 2024
Wealth Management
JULY 23, 2024
Delaware tops the list of best states to retire in 2024, while California and New York bring up the rear.
The 2024 Sector Quilt
A Wealth of Common Sense
JANUARY 16, 2025
We also answered questions about 2025 retirement account limits, Coast FIRE strategies, when to take money off the table from the stock market, how to account for pension and Social Security income during retirement and how other economies impact the U.S.
Retirement 
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Book of Secrets on the Month-End Close
What Your Financial Statements Are Telling You—And How to Listen!
Are Robots Replacing You? Keeping Humans in the Loop in Automated Environments
Data Talks, CFOs Listen: Why Analytics Is The Key To Better Spend Management
Trending Sources
Weekend Reading For Financial Planners (November 16-17, 2024)
Nerd's Eye View
NOVEMBER 15, 2024
Also in industry news this week: NASAA has proposed an amendment to its broker-dealer conduct model rule that would restrict the use of the terms “advisor” and “adviser” for broker-dealers and their registered representatives who are not also investment advisers or investment adviser representatives A recent study suggests that (..)
Adviser links: serving Boomers
Abnormal Returns
OCTOBER 28, 2024
(artofmanliness.com) Ben Carlson talks about the state of the retirement savings market with Shawn O'Brien, Director of Retirement at Cerulli Associates. riabiz.com) M&A deals in 2024 have been increasing in size. advisorperspectives.com) Does risk tolerance change in retirement?
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America’s 30 Safest and Wealthiest Retirement Towns
Wealth Management
NOVEMBER 27, 2024
The top 30 safest and wealthiest retirement cities in the United States in 2024.
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In-Plan Retirement Income: An Industry Waiting to be Born
Wealth Management
JUNE 24, 2024
DC leaders at the 2024 RPA Retirement Income Roundtable discuss how and when adoption will come.
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“How Much More Will I Get?”: Calculating The Impact Of WEP And GPO’s Repeal On Social Security Benefits
Nerd's Eye View
FEBRUARY 12, 2025
The new law repeals both the WEP and GPO, restoring full Social Security benefits to affected individuals, retroactive to January 2024. To help with this, we've developed a downloadable calculator that simplifies the process of estimating an individual's unreduced Social Security benefits, whether or not a full earnings history is available.
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Weekend Reading For Financial Planners (December 28–29)
Nerd's Eye View
DECEMBER 27, 2024
Also in industry news this week: According to a recent survey, advisors are putting an increasing share of client assets into model portfolios, allowing for customization and time savings that advisors appear to be using to provide more comprehensive planning services RIA M&A deal volume saw an annual record in 2024 as a lower cost of capital, (..)
DoL’s Retirement Security Rule & PTE 2020-02 Amendment: What Advisers Need to Know Now About Giving Rollover Advice After Sept 23, 2024
Nerd's Eye View
MAY 15, 2024
On April 25, 2024, the Department of Labor (DoL) issued the final version of its Retirement Security Rule (the "Final Rule"), which imposes an ERISA fiduciary standard "that applies uniformly to all investments that retirement investors may make with respect to their retirement accounts ".
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The 2024 Kenneth Black Jr. Leadership Award Winner Is Mike McGlothlin
NAIFA Advisor Today
FEBRUARY 6, 2025
Mike McGlothlin , CFP, CLU, ChFC, LUTCF, NSSA, Executive Vice President, Retirement, at Ash Brokerage , is the 2024 recipient of the Kenneth Black Jr. NAIFA and FSP merged in January 2024. Leadership Award. McGlothlin manages a staff of more than 65 employees and has maintained a 90% retention rate.
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Cost of Living Adjustment increases 3.2% in 2024, Contribution Base increased to $168,600
Calculated Risk
OCTOBER 12, 2023
With the release of the CPI report this morning, we now know the Cost of Living Adjustment (COLA), and the contribution base for 2024. Percent Benefit Increase for 2024 Social Security and Supplemental Security Income (SSI) benefits for more than 71 million Americans will increase 3.2 From Social Security: Social Security Announces 3.2
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IRS Issues New Guidance on Retirement Plan Early Distributions
Wealth Management
JUNE 26, 2024
Notice 2024-55 clarifies two exceptions to the 10% additional tax.
How to Make the Most of Retirement Savings in 2024
Wealth Management
JANUARY 2, 2024
Seven ideas for how to save smarter, from automation to rollovers and Roths.
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401(k) Real Talk Episode 122: September 18, 2024
Wealth Management
SEPTEMBER 18, 2024
Open, honest and candid discussion about One America's deal with Voya, Alera Retirement's growth, August job jumbers, the Wealthies and more.
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Don’t Retire From Equity Markets: An Equity Strategy That Aims for 100% Downside Protection
Wealth Management
JUNE 5, 2024
Monday, July 01, 2024 | 2:00 PM Eastern Daylight Time
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Weekend Reading For Financial Planners (February 1–2)
Nerd's Eye View
JANUARY 31, 2025
Which could include measures such as additional time to comply with rules that have been adopted but not yet enforced and perhaps, more broadly, an approach from the SEC that focuses more on whether a firm has robust program controls and a strong fiduciary culture rather than seeking out specific, (sometimes minor) missteps and producing enforcement (..)
401(k) Real Talk Episode 120: August 28, 2024
Wealth Management
AUGUST 27, 2024
Open, honest and candid discussion about DOL Jobs growth numbers, phased retirement and more.
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401(k) Real Talk Episode 123: September 25, 2024
Wealth Management
SEPTEMBER 25, 2024
Open, honest and candid discussion about retirement plan assets, Fidelity's crackdown on credential sharing, Commonwealth's new PEP and more.
Helping Nervous Clients Understand The (True) State Of The Social Security System And What It Means For Their Retirement
Nerd's Eye View
OCTOBER 2, 2024
on up to $168,600 of income in 2024 for the Social Security portion of FICA). raising the payroll tax wage cap or increasing the Full Retirement Age) that would close the funding gap. Such options include single-policy solutions that would wipe out the entire 75-year shortfall (e.g., the board of trustees report estimates that a 3.33
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Government Spending Is Out of Control! LOL
The Big Picture
MARCH 24, 2025
The text accompanying that chart reads: “ Consumption: in 2024, one third of GDP came from government spending, a record high excluding periods of war or crisis; this was financed by 6-7% budget deficits, another unwelcome peacetime record.” How can this be? Maybe my animus toward DOGE is misplaced.
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Top clicks this week on Abnormal Returns
Abnormal Returns
JUNE 9, 2024
awealthofcommonsense.com) A review of major asset class performance in May 2024. marginalrevolution.com) The best podcasts of 2024 including 'Stick the Landing' from The Ringer. time.com) Edmunds' top EV and hybrid vehicles for 2024. marginalrevolution.com) Ed Slott talks about his book "The Retirement Savings Bomb Ticks Louder."
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401(k) Real Talk Episode 118: August 14, 2024
Wealth Management
AUGUST 14, 2024
Open, honest and candid discussion about lawsuits against TIAA and Morningstar, CITs bigger than mutual funds in TDFs, private equity in retirement plans and more.
401(k) Real Talk Episode 100: April 3, 2024
Wealth Management
APRIL 3, 2024
Open, honest and candid discussion about flexPATH's victory in court, Empower's new product for small plans, how people fail at retirement and more.
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401(k) Real Talk: Episode 99: March 27, 2024
Wealth Management
MARCH 27, 2024
Open, honest and candid discussion about Empower's retirement income platform, the latest retirement megatrend, advisors warming to DC plans and more.
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Can You Live Off Dividends In Retirement?
Darrow Wealth Management
FEBRUARY 9, 2025
The idea of living off dividends in retirement sounds nice, but investors often don’t realize how much money they’ll need invested to generate enough income from dividends to cover lifestyle expenses. You may need more money than you think to retire on dividends. Retire on dividends?
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Personal finance links: financial stress
Abnormal Returns
DECEMBER 11, 2024
(peterlazaroff.com) Christine Benz Ben Carlson talks with Christine Benz, author of "How to Retire: 20 lessons for a Happy, Successful, and Wealthy Retirement." awealthofcommonsense.com) Steve Chen talks with Christine Benz about her book "How to Retire: 20 Lessons for a Happy, Successful, and Wealthy Retirement."
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Personal finance links: older houses
Abnormal Returns
JANUARY 1, 2025
Podcasts Peter Lazaroff talks with Michael Batnick about lessons learned from the stock market in 2024. readthejointaccount.com) The case for never retiring. peterlazaroff.com) Khe Hy talks with Dr. Jordan Grumet about finding your life purpose. youtube.com) Taxes Trading crypto? Pay your taxes. humbledollar.com)
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The Latest In Financial #AdvisorTech (January 2024)
Nerd's Eye View
JANUARY 1, 2024
Welcome to the January 2024 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
401(k) Real Talk Episode 98: March 20, 2024
Wealth Management
MARCH 20, 2024
Open, honest and candid discussion about 401(k) led retirements, the DOL fiduciary rule, the changing business models for record keepers and more.
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401(k) Real Talk Episode 95: February 28, 2024
Wealth Management
FEBRUARY 28, 2024
Open, honest and candid discussion about the demise of 401(k) plans, consolidating retirement accounts, tech in DC plans and plan sponsors demanding more from their advisors.
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401(k) Real Talk Episode 102: April 17, 2024
Wealth Management
APRIL 17, 2024
Open, honest and candid discussion about the DOL rule, Pontera's new retirement plan leadership, the resurgence of senior workers and more.
401(k) Real Talk Episode 96: March 6, 2024
Wealth Management
MARCH 6, 2024
Open, honest and candid discussion about the flexPATH lawsuit verdict, AI in DC plans, employee engagement, convergence and retirement plan advisor due diligence.
The Latest In Financial #AdvisorTech (May 2024)
Nerd's Eye View
MAY 6, 2024
Welcome to the May 2024 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
Personal finance links: taking your time
Abnormal Returns
DECEMBER 4, 2024
Podcasts Christine Benz talks 2025 taxes with Ed Slott author of "The Retirement Savings Time Bomb Ticks Louder." morningstar.com) Dan Haylett talks with Christine Benz, author of "How to Retire: 20 Lessons For a Happy, Successful, And Wealthy Retirement." humbledollar.com) Have you signed up for daily e-mail newsletter?
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Adviser links: going back to work
Abnormal Returns
SEPTEMBER 16, 2024
standarddeviationspod.com) Retirement Retirees go back to work for any number of reasons. investmentnews.com) A checklist if a client gets laid off near retirement age. thinkadvisor.com) Investing William Bernstein on the challenges for investors nearing retirement. morningstar.com) Custodians How many custodians is too many?
Question #7 for 2025: How much will wages increase in 2025?
Calculated Risk
DECEMBER 27, 2024
Here is a review of the Ten Economic Questions for 2024. 7) Wage Growth: Wage growth was solid in 2024, up 4.0% YoY in November 2024. In November 2024, the smoothed 3-month average wage growth was at 4.3% I'm adding some thoughts and predictions for each question. year-over-year as of November. in July 2022.
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Top clicks this week on Abnormal Returns
Abnormal Returns
SEPTEMBER 8, 2024
awealthofcommonsense.com) Early in retirement is the time to do some tax planning. nytimes.com) The S&P 500 returned 2.43% in August 2024. Top clicks this week High yields come with risk. Don't let anyone tell you otherwise. wsj.com) Three reasons why the stock market declines. ritholtz.com) How pour-over coffee got so good.
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Question #7 for 2024: How much will wages increase in 2024?
Calculated Risk
JANUARY 5, 2024
Earlier I posted some questions on my blog for next year: Ten Economic Questions for 2024. How much will wages increase in 2024? YoY in 2024 according to the CES. Here are the Ten Economic Questions for 2024 and a few predictions: • Question #8 for 2024: How much will Residential investment change in 2024?
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Cost of Living Adjustment increases 2.5% in 2025, Contribution Base increased to $176,100
Calculated Risk
OCTOBER 10, 2024
On average, Social Security retirement benefits will increase by about $50 per month starting in January. percent in 2024. The contribution and benefit base will be $168,600 in 2024. From Social Security: Social Security Announces 2.5 million Americans will increase 2.5 The COLA was 3.2 in 2023, up 4.4% from $63,795.13
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Monday links: available and ready
Abnormal Returns
JULY 1, 2024
Markets How major asset classes performed in June 2024. capitalspectator.com) Large caps trounced mid and small-caps in June 2024. on.spdji.com) Momentum leads the factor race in 2024 YTD. blockworks.co) Earlier on Abnormal Returns Adviser links: phased retirements. abnormalreturns.com) Top clicks last week on the site.
Adviser links: a unique experience
Abnormal Returns
NOVEMBER 18, 2024
wealthmanagement.com) The biz The 2024 Fidelity RIA Benchmarking Study is out. advisorperspectives.com) 7 areas where advisers may be falling short with retired clients. (justincastelli.io) Taxes Some speculation on what is next for the TCJA. kitces.com) Tax planning and wealth management go hand-in-hand.
Wealth.com Raises $30M To Provide Estate Documents To Advisors’ Clients (And More Of The Latest In Financial #AdvisorTech – October 2024)
Nerd's Eye View
OCTOBER 7, 2024
Welcome to the October 2024 issue of the Latest News in Financial #AdvisorTech – where we look at the big news, announcements, and underlying trends and developments that are emerging in the world of technology solutions for financial advisors!
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Personal finance links: closing out the year
Abnormal Returns
DECEMBER 20, 2023
(podcasts.apple.com) Retirement How to find a new you in retirement. ofdollarsanddata.com) What's changing for retirement accounts in 2024. morningstar.com) Why it's so hard to stay retired when you retire early. tonyisola.com) More retirees are seeing their Social Security benefits taxed.
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Monday links: uncertain progress
Abnormal Returns
JUNE 3, 2024
Markets A review of major asset class performance in May 2024. bloomberg.com) Ed Slott talks about his book "The Retirement Savings Bomb Ticks Louder." capitalspectator.com) Not surprisingly, Nvidia ($NVDA) has been the biggest index contributor YTD.
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