The Financial Planning Channel

What Investors Want Most in Investment Reporting

Trust is core to the relationship that financial professionals build with their clients, but certain issues that impact that relationship are out of the advisor's control. Performance reporting is clearly under your control, and our research shows what advisors need to do to respond to their clients’ concerns.

Retirement Update

Financial professionals provide a retirement update as they share perspectives on emerging trends and conditions affecting older individuals and their advisors.

Don’t Believe Everything You Hear about Social Security!

If you’re like many working Americans, you may be concerned about the state of Social Security and whether it will be there for you when you retire. Gail Buckner, CFP, our personal retirement and financial planning strategist, explores some myths about Social Security and eases some concerns about its future.

Despite Scary Headlines, No Big Changes to Social Security’s Outlook

Every year the Trustees of the US Social Security and Medicare trust funds provide their report on the current and projected financial status of these programs.

More & More Americans Having to Work Past Age 70

Nearly one-fifth (19%) of Americans age 70 to 74 were still in the workforce as of the end of June, according to the latest jobs report from the Labor Department on July 7. Some are working because they are healthy and enjoy their work. Most, however, are still working because they haven’t saved nearly enough for retirement.

The Rise Of Robots & The Risk To Passive

In Tuesday’s post, “A Shot Across The Bow,” I discussed the recent “Tech Wreck” and the warning sign that was delivered when trading algorithms begin to run in the same direction.

Seven Surprising Insights about Advisory Fees

I asked the readers of my Inside Information service, members of the Advisor Perspectives community, and others, to tell me how they were charging their clients, and how much. The most interesting conclusions related to a key question that has arisen from the DOL Rule: what is a “reasonable” AUM fee to charge clients?

Is the U.S. Workforce At Full Recovery?

We've updated our monthly workforce analysis to include last week's Employment Report for June. The unemployment rate ticked back up from 4.3% to 4.4%, and the number of new nonfarm jobs (a relatively volatile number subject to extensive revisions) surprised forecasts at 222K.

Second-Half Market Outlook: Seeing Global Markets in 3D

Stocks turned in a strong performance in the front half of 2017 despite geopolitical and monetary policy risks. The question, of course, is whether this performance trend can continue in the second half. I believe these two risks will cast an even longer shadow over markets going forward — making concepts such as diversification and risk management even more important for investors’ portfolios.

The Latest Look at the Total Return Roller Coaster

Here's an interesting set of charts that will especially resonate with those of us who follow economic and market cycles. Imagine that five years ago you invested $10,000 in the S&P 500. How much would it be worth today, with dividends reinvested but adjusted for inflation? The purchasing power of your investment has increased to $19,240 for an annualized real return of 13.16%.

What Advisors Need to Know About Cryptocurrencies

You may have heard about bitcoin. Spurred on by breathtaking price runups, some clients may even have asked you if they should invest in them, or if it’s safe to buy them and use them to make payments. Most likely you dismissed the whole thing as some sort of a tulip bubble. But it’s not as simple as that.

A New Definition of Advisors’ Value-Add

Firms that demonstrate “value” will always have clients willing to pay a fee reasonably related to it. It may not matter whether it is a flat or AUM-based fee. But the AUM-based fee has a troubled future.

Donor-Advised Funds versus Donating Directly to Charities

Advisors usually understand how donor-advised funds (DAFs) work, their tax benefits and how they can manage the investments in their clients’ DAF accounts. However, advisors need to help explain their benefits in comparison to donating directly to a charity.

Short-Term Fears Seem to Affect Millennial Investors in Particular

Many investors who lived through the Global Financial Crisis of 2007-2009 still might bear some scars, according to Franklin Templeton’s annual Retirement Income Strategies and Expectations (RISE) survey. The survey explores individuals’ attitudes and expectations about retirement and how prepared people feel regarding their future.

What It Means to Be Dynamic

Target Date Funds (TDFs) have transformed retirement investing, but the static approach to the glidepath leaves many investors at risk. A more dynamic strategy is needed, and Glenn Dial, Head of Retirement Strategy in the US with Allianz Global Investors, says it all begins with defining what dynamic investing actually is.