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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.

Public Policy Changes That Could Derail Your Retirement Plan

July 16, 2014
By:
Renee Morad

Everyone knows that changing the rules in the middle of the game is unfair. However, three proposals in President Obama's 2015 fiscal year budget could derail even the best retirement plans, according to Jamie Hopkins, associate director of The American College's Center for Retirement Income.

Working into Retirement and Beyond

July 14, 2014
By:
Lee E. Miller

Every month, more than a quarter-million Americans turn 65 — what used to be considered the normal retirement age. Many will remain in their current jobs. Others will seek out different types of employment. Most will continue to work not just for financial reasons but because they want to remain active, engaged and relevant.

Warning: Be Prepared - "Black Swan" Events can Alter Retirement Expectations

July 8, 2014
By:
Christopher Carosa

People have different reasons for wanting to stay in the work force. “Some retirees continue to earn outside income out of necessity; the income from other sources is not sufficient to maintain the standard of living they hoped for,” says Richard Sturm, a financial adviser, educator and public speaker in Seal Beach, CA.

Retirement in the 21st Century: How Today's Retirees Satisfy Their Yearn to Earn

July 8, 2014
By:
Christopher Carosa

Even if they’re mathematically comfortable, many of today’s retirees have an emotional need that only earning income can fulfill. Diana Gardner Robinson, PhD. from Rochester, New York, offered to share her personal journey with our readers. Why does she choose to work in retirement?

Facts and Fiction of Modern Retirement - What Every 401k Fiduciary Should Teach Employees

July 8, 2014
By:
Christopher Carosa

The foreboding doom and gloom of a less-than-perfect retirement can be found everywhere. The claim that the 401k – and thus, America’s retirement system – is broken has been repeated so often people simply assume it’s a fact.

You Could Live to 100: How to Plan for a Long Retirement

June 26, 2014
By:
Casey Dowd

They say there are only two certainties in life: death and taxes. But that doesn’t mean we have any control over the actual timing of our death, which makes retirement planning hard. Projecting your life expectancy is a critical part of executing a retirement plan as it determines how much you need in your nest egg and your drawdown tactics.

Frailty Risk -- More than Just Long-Term Care and Health Care Expenses

June 25, 2014
By:
Jamie Hopkins

Retirement income planning is more than just developing a steady stream of income. It also requires planning for those uncertain events that threaten a secure retirement. Aging brings with it a variety of retirement risks, including escalating health care expenses and possible long-term care expenses.

The Top 50 Annuities

June 21, 2014
By:
Karen Hube

Insurance companies have a long history of conjuring up new types of annuities to suit changing market conditions, and once again they've proved to be the masters of reinvention. Their latest brainchild: the deferred-income annuity, which has seen explosive growth since it was introduced three years ago, thanks mainly to its simplicity.

How Do Freelancers Retire? Savings Plans for Independent Professionals

June 21, 2014
By:
James O'Brien

When we talk about retirement planning, we're often basing our conversation on the presumption of traditional employment, which comes with certain assumptions -- benefits, employer contributions, the whole works. However, retirement planning is a much different proposition for freelancers.

Could You Finance Your Retirement With a Reverse Mortgage?

June 20, 2014
By:
Teresa Mears

The TV pitchmen make it sound like the easiest thing: Use your home equity to finance your retirement through a reverse mortgage, and stay in your home without ever making a payment. What they forget to mention is a reverse mortgage is not nearly that simple.

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