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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.

Congress Proposes Three Changes To Social Security That Make Sense

October 29, 2014
By:
Jamie Hopkins

The importance of Social Security retirement benefits cannot be understated as nearly one-third of all U.S. retirees rely solely upon Social Security for their retirement income. Despite its importance and successful history of providing retirement income to the elderly, Social Security is at a crossroads and cannot continue down the same path for much longer.

Monday Money Tip: Delving into Owning Digital Assets

October 27, 2014
By:
Erin E. Arvedlund

Many are advising their clients to write directives into estate plans and wills about what to do with the e-mail and social media, secret passwords, and important online account numbers that constitute digital assets.

Making Sure Retirement Savings Don't Run Out

October 22, 2014
By:
Conrad De Aenlle

We are living longer, but the life expectancy of our money may have trouble keeping pace. The combination of longer retirements and more exaggerated cycles in financial markets heightens what financial advisers call longevity risk, the possibility of running out of money before running out of time.

Don’t Let Clients Take Their Passwords to the Grave

October 22, 2014
By:
Jane Wollman Rusoff

The digitalization of wealth brings up all sorts of estate-planning issues, not the least of which is that digital assets you think are yours to leave to loved ones may not be yours at all.

Is Prepaying A Mortgage A Good Retirement Investment Option?

October 2, 2014
By:
Jamie Hopkins

I recently wrote an article, "Why Housing Is A Bad Long-Term Investment But You Should Buy Anyways," reviewing the reasons why the purchase of a home as a pure investment option might not always be the best option for long-term financial planning and retirement. However, this article will take a different angle with regard to housing and retirement.

The Importance of Digital Asset Succession Planning for Small Businesses

October 1, 2014
By:
Jamie Hopkins
John Whitham
Ilya Lipin

The digitization of business assets has created a new challenge for the development of succession plans for small business owners. Without a well-defined and managed succession plan that considers digital assets, these valuable business intangibles may perish resulting in irreversible damage.

Experimenting With New Compensation Models

September 29, 2014
By:
Ellen Uzelac

In a new initiative, more and more advisors are turning to hybrid compensation models—a monthly retainer, say, paired with an AUM fee—in order to expand their client base.

Why Housing Is A Bad Long-Term Investment But You Should Do It Anyways

September 25, 2014
By:
Jamie Hopkins

Homeownership was once considered a staple of the 'American Dream' and a sure sign of financial stability in the United States. The principal residence accounts for nearly 62% of the median homeowner’s total assets in the United States and makes up nearly one-third of all assets held by U.S. households.

Digital Estate Planning

September 22, 2014
By:
Meghan Streit

Have you thought about what will happen to your so-called digital assets, which include everything from online photo albums and music collections to email and social media accounts to blogs and online bank accounts?

Sizing Up a Client's Lifespan

September 16, 2014
By:
Alan Lavine

If you’re helping your clients with insurance decisions, the “Commissioners 2001 Standard Ordinary Mortality Table” is a good place to start. This mortality table is the gold standard for determining how long your clients will live.

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