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News & Blog

Our expert faculty are frequent contributors to consumer-based media as well as to more scholarly academic publications. Keep current with recent developments in the retirement income planning field and check out the latest articles from the thought leaders who are part of the The American College New York Life Center for Retirement Income.

The American College of Financial Services to Host Housing Wealth in Retirement Symposium

March 19, 2018

The American College of Financial Services announced today that it will be hosting the 2018 Housing Wealth in Retirement Symposium on March 23, 2018 at the Washington D.C. Conference Center in Washington, D.C.

Some Reverse Mortgage Originators See Stability Ahead This Year

March 18, 2018

As the reverse mortgage industry continues to adjust to the rule changes issued late last year by the Department of Housing and Urban Development, originators are seeing signs of renewed stability in the market — and even opportunities for expansion.

How to Curb the High Cost of Caregiving

March 17, 2018
Reshma Kapadia

Caregiving is often so easy at the start, you don’t even think of it as caregiving. It’s a few days off from work to accompany Dad for medical tests, or a couple of hundred dollars a month for someone to check in on Auntie, or a few extra flights home to help your parents move into a senior community.

4 Retirement Distribution Strategies That Will Make Your Money Last

March 16, 2018
Maryalene LaPonsie

Saving money to your retirement fund is only part of ensuring a financially secure future. The other half involves making smart decisions about when and how to withdraw cash. Finance experts say there are a handful of retirement distribution strategies that can be used to stretch money further for a long retirement, and these can be combined and changed over time.

Appellate Court Deals Fiduciary Financial Advice Rule Major Blow

March 16, 2018
Jamie Hopkins

The Department of Labor’s expanded fiduciary advice rule has not had an easy life. In fact, it hasn’t really ever had a life and may never after the latest setback. The Fifth Circuit Court of Appeals completely vacated the rule in a split decision announced late Thursday afternoon.

Should You Use a Reverse Mortgage to Defer Social Security to Age 70?

March 16, 2018
Mark Hulbert

If you thought the decision about deferring Social Security was complex, just wait until you tackle whether or not to use a reverse mortgage to enable such a deferral. I was drawn to the question innocently enough: A Retirement Weekly reader asked me to analyze the pros and cons of doing so.

Much Ado About Nothing Saved for Retirement? Why Social Security Alone May Be Enough

March 13, 2018
Christopher Carosa

“For roughly 1/5th of seniors in the United States, Social Security is their only retirement income source. For roughly 1/3rd, it is more than 90 percent of their income and for 2/3rds it is more than half,” says Jamie Hopkins, Professor of Retirement Income Planning at The American College.

Tax Reform Provides Boost To Small Business Retirement Plans

March 12, 2018
Jamie Hopkins

The Tax Cuts and Jobs Act (TCJA) was signed into law by President Trump near the end of 2017 and it mostly took effect in 2018. While the TCJA impacts almost every single individual taxpayer to some degree, the changes also significantly impact corporations and small businesses.

Don't Know if You Qualify for 20% Pass-Through Deduction? You're Not Alone

March 12, 2018

Congressional Republicans created a juicy new tax break for business owners when they rewrote the U.S. tax code late last year. Three months later, hundreds of thousands of U.S. employers still don't know if they qualify.

Why No More Roth Do-Overs Could Prove Costly

March 9, 2018
Ellen Stark

As Congress rewrote the nation’s tax laws last year, a few ideas to revamp the rules of retirement investing were floated—and quickly shot down. In the end, the legislation left 401(k)s and individual retirement accounts largely untouched.