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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 Center for Retirement Income.

'Silver' Divorce Puts Strain On Retirement Income

October 24, 2016

A common misconception about marriage in the U.S. is that millennials have a higher divorce rate than previous generations. In fact, millennials are actually divorcing at much lower rates than those of similar ages in the 1970s and 1980s. 

Annuities Offer Long-Term Care Funding Flexibility

October 17, 2016

Retirement income planning can be like hitting a moving target in the wind. The target keeps moving because you do not know when you will retire, how much money you will need, or how long you will live. One specific risk that can derail a retirement plan is long-term care.

401(k) Plan Shortcomings Failing As Retirement Income Program

October 6, 2016
By:
Steve Vernon

The current “retirement plan” of choice – 401(k) plans – really aren’t true retirement income plans. While they can be great for accumulating savings, most 401(k) plans don’t do much to help older workers decide if they have enough money to retire, or how to convert their hard-earned savings into a retirement paycheck.

Understanding The Tax Benefits Of 529 Plans

September 15, 2016

Strategies to fund college education costs are garnering a heightened level of interest in recent years as student loan debt begins to balloon and the rising costs of college education continue to spike. In fact, the increasing cost of a college education has significantly outpaced national inflation by an average of 3.4% per year since 2005.

How To Choose The Right 529 College Savings Plan

September 12, 2016

The increasing cost of a college education has significantly outpaced national inflation by an average of 3.4% every year since 2005, creating a national student loan crisis and putting tremendous financial pressure on parents.

Roth IRA Does Double Duty As Emergency Fund and Retirement Account

August 22, 2016

A core aspect of financial planning is risk management, which can be accomplished by diversifying investments, limiting fixed expenses, purchasing insurance, and maintaining an emergency fund. Most people use their savings and checking accounts to pay ordinary monthly bills and to serve as an emergency fund.

Can Hillary Clinton's Proposed Student Loan Refinancing Plan Solve The Loan Crisis?

July 25, 2016

Student loan debt is fast becoming the next financial crisis in the United States and will likely receive some attention at the Democratic National Convention that kicks off in Philadelphia this week. There are over 43 million Americans living with student loan debt who owe a total of roughly $1.26 trillion.

Where Your Pokémon 'Go' After You Die: The Digital Afterlife

July 18, 2016

We live in an increasingly digitalized world, one in which you can now catch Pokémon while walking the dog, taking the train to work, or going for your morning run. The Pokémon Go game has been one of the most successful digital games to date, pushing Nintendo ’s valuation by $7.5 billion and increasing the stock price dramatically.

New Department Of Labor Retirement Standard Creates Opportunity For Millennials

July 13, 2016

As the Department of Labor’s fiduciary rule was being passed into law earlier this year, thousands of people voiced their opposition to a rule designed to improve the retirement security of Americans by improving investment advice from financial advisors.

New Law Takes Aim At Retirement Savings; Is The Levee Breaking?

July 5, 2016

On July 1, 2016, as the new fiscal year kicked off, so did hundreds of new Maryland laws – more than 205 of them according to The Baltimore Sun. Flowing in this sea of new legislation is a law that targets the nearly one million Maryland resident workers who were previously without access to an employer-sponsored retirement savings plan.

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