Reaching Out to the Next Generation: Educating Your Clients' Children

By Nancy Opiela

Educating your clients' children may be not only a way to establish relationships with the next generation, it can be a great way to satisfy your current clients. More>

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Financial Planning for Clients Considering a Continuing Care Retirement Community

By Sarah L. Mayes, CPA, and Linda L. Nelms, CPA, CMA

Continuing care retirement communities provide independent living, assisted living, and skilled nursing care. But they come in several models involving a wide variety of costs. Careful planning is required. More>

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Thinking About a Roth 401(k)? Think Again

By Edward F. McQuarrie, Ph.D.

Roth 401(k)s often are portrayed as the preferable choice over traditional 401(k)s. Not so fast, says our author. Roths rarely are the right choice except for the very wealthy, he contends. The reason: contributions are made at the highest marginal tax rate, but withdrawals are made at lower effective rates. More>

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Determining the Proper Starting Balance for Taxable and Tax-Deferred Savings at Retirement

By Ben T. Bernacchi, CFP®

Most clients have a mix of taxable and tax-deferred savings, and there is an optimal allocation between these two types of accounts. This article helps planners find the allocation that maximizes savings before retirement and minimizes the use of tax-deferred savings before required minimum distributions begin. More>