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Registered Rep.
October 11, 2013
Mark Miller |
Should Older Clients Pay Off their Mortgages? Are you in denial about your older clients' mortgage debt? Pre-retired households are carrying larger mortgages in the wake of the housing bubble and bust, and many are carrying that debt into retirement.   |
The Motley Fool
April 19, 2007
Dan Caplinger |
Raiding Your Retirement for a Down Payment Even though you should be cautious about using your retirement money to fund a down payment on a home, there are still some situations in which it makes sense to use retirement funds as a source of liquidity. |
Financial Planning
June 1, 2010
Jeanne Lee |
House Money As 401(k)s shrink and Social Security replaces a smaller share of income, retirees may need to reconsider tapping the value in their homes. |
Registered Rep.
November 1, 2006
Kevin McKinley |
Through the Mortgage Maze The conventional financial planning wisdom is to get out of any debt you may have as soon as possible. But that may not apply to everyone. Here are 10 questions that can help you and your client weigh where that dollar should actually go. |
Registered Rep.
January 28, 2015
Kevin McKinley |
Early Retirees Should Make the Most of Their Mortgages Ignoring this portion of a client's financial picture could mean less flexibility, and more money going toward taxes -- especially for those who would rather retire sooner than later. |
The Motley Fool
December 27, 2006
Mary Dalrymple |
To Prepay or Not to Prepay If you've ever wondered whether it's a better financial strategy to prepay your mortgage or to save more for retirement, a recent study provides a few insights. |
Registered Rep.
August 9, 2012
Mark Miller |
Reverse Mortgage Madness Two recent studies illustrate the pressure that the housing meltdown is putting on older homeowners - and the risks associated with draining home equity. |
AskMen.com
Michael Estrin |
How to Take Advantage of Home Equity Nearly 47% of household assets are tied up in the primary residence. Here are two ways to get at that cash and some tips on what you should use it for. |
The Motley Fool
June 13, 2011
Selena Maranjian |
Step Away From That Growing Pile of Money The all-too-common practice of borrowing from retirement accounts is much more dangerous than you probably think. |
The Motley Fool
September 17, 2004
Roy Lewis |
Retirement Loans: Is the Interest Deductible? Make sure that you think things through before you decide to borrow against your plan. |
The Motley Fool
May 21, 2004
Roy Lewis |
Pension Loan Breaks Tax law permits a few breaks on loan interest for those borrowing against their future. |
Financial Planning
June 1, 2007
Len Reinhart |
Rethinking Leverage Does leverage belong in a retirement portfolio? The answer may surprise you. |
Registered Rep.
June 1, 2012
Mark Miller |
Five Ways to Change Your Clients' Retirement Math These basic moves can make a big difference. |
AskMen.com
March 18, 2001
Luis Rodrigues |
Start Planning For Your Retirement |
Commercial Investment Real Estate
Jul/Aug 2013
Steve Zorich |
Off Balance Do commercial borrowers benefit from bank relationships? |
Financial Planning
March 1, 2011
Scott Schutte |
Under the Radar Planning for retirement got more challenging recently, thanks to the Social Security Administration's (SSA) announcement in December 2010 of new rules surrounding so-called interest-free loans. |
AskMen.com
Ryan Ortega |
Good Debt vs. Bad Debt Figuring out which debt to carry -- good vs. bad -- can help you maneuver your personal finances into positive territory. |
Registered Rep.
December 8, 2011
Mark Miller |
How Reverse Mortgages Can Help Your Older Clients The reverse mortgage industry is re-focusing on a relatively new lower-cost loan type, which is starting to get traction in the market. |
BusinessWeek
July 2, 2009
Dean Foust |
Portfolio Planning: A Case Study Five advisers come up with a financial plan for a hypothetical baby boomer couple with kids in college, aging parents, and a decimated retirement account. |
BusinessWeek
June 14, 2004
Peter Coy |
The Right Way To Choose A Mortgage With gasoline over $2 a gallon and inflation making headlines, the conventional wisdom says you should get a fixed-rate mortgage. That seems sensible, but it's the wrong way to choose a mortgage. |
Financial Advisor
September 2012 |
Working Longer Greatly Improves Retirement Readiness Most people won't be prepared for retirement at age 65, but they will be by age 70, largely because of increased Social Security payments, concludes a report by the Center for Retirement Research at Boston College. |
Financial Planning
October 1, 2005
Kathy Gevlin |
White Paper As workers delay retirement, advisers respond. The vast majority of financial advisers expect retirement income planning services to become a significant source of growth for their businesses over the next five years. |
Registered Rep.
November 1, 2005
Todd K. Ballenger |
Trading Down to a Better Retirement Without preying on your clients' fears, you can use the concern over the real estate bubble to do something that financial advisors should have been doing all along: talk about real estate as part of the comprehensive investment plan. |
Financial Planning
February 1, 2007
David Macchia |
Protect Retirement Financial advisors should pay attention to ROI -- not return on investment, but reliability of income. Planners must help clients assess the real capacity of their portfolios to generate long-term retirement income. |
This Old House
Sid Davis |
Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal. |
The Motley Fool
January 19, 2007
Brian Lawler |
Should We Sweat Our Savings Rate? Do the savings statistics accurately portray an overspending American consumer, or is it just another financial illusion? |
The Motley Fool
February 3, 2010
Chuck Saletta |
Forget Your Kids! Focus on Your Own Future If it comes down to choosing between funding a child's college education, or funding your own retirement, focus on your own future first. |
The Motley Fool
March 12, 2008
Chuck Saletta |
The Biggest Barrier Between You and Retirement If you've dug yourself into a hole, stop digging. Any debt you owe is standing between you and your retirement. |
Financial Advisor
July 2008
David J. Drucker |
Retirement On Hold With a shaky market, retirement plans must be rethought, modified and, hopefully, salvaged. |
Financial Planning
April 1, 2005
Donald Jay Korn |
The Magic Number Determining how much wealth is enough to support retirement combines the art of managing expectations with the science of crunching numbers. |
The Motley Fool
October 18, 2006
Selena Maranjian |
Choose: Your Mortgage or Your Retirement One obvious choice that many of us face when we've got some extra money to sock away is whether to apply it to our mortgage or our retirement. So, what's the right choice? |
Registered Rep.
May 1, 2006
Kevin McKinley |
Savvy Start Advisors are gradually shifting their focus from helping their clients make money to spending it. What's driving the shift? The knowledge that many of their best customers are winding down their careers and want to enjoy the fruits of their labor. |
The Motley Fool
November 21, 2006
Mary Dalrymple |
Mortgage Math How long should it take to pay for your home sweet home? How a mortgage fits into your financial plan depends on you -- your goals, your plans, your spending habits, your financial personality. |
On Wall Street
April 1, 2010 |
Five Questions with Robert Arena Bob Arena is well aware that baby boomers are juggling their own retirement needs against school expenses of children and living costs of parents and talks about how advisors can help their clients handle all these responsibilities. |
The Motley Fool
May 17, 2006
Selena Maranjian |
Real Estate Reality Check Should you pay down your mortgage or put that money in the market? If your investment horizon is long -- at least 10 years -- then the stock market is likely to be a great place for your money. Here are some ideas. |
The Motley Fool
January 16, 2008
Dan Caplinger |
Your 401(k) Isn't an ATM However, a new program called ReservePlus, allows 401(k) plan participants to take out loans against their retirement accounts simply by using a debit card. |
U.S. Banker
August 2006
Lee Conrad |
Retiree Demand Trumps A Once-Dismal Reputation More retirees, who have woefully under-financed retirement plans, are choosing reverse mortgages. Some bankers see a large market with growth potential, but they have their work cut out for them. |
Financial Planning
October 1, 2013
Allan S. Roth |
Tell Clients: Time to Pay Off the Mortgage The move could offer a simple way to cut risk and boost returns, but many advisors don t see it that way. Here's why they should. |
Financial Advisor
November 2012
Ben Mattlin |
The 4% Solution Is it still a feasible retirement withdrawal strategy? |
The Motley Fool
January 25, 2007
Mary Dalrymple |
Retire in Poverty? Reverse the deteriorating retirement trend by saving more now. |
Financial Advisor
October 2006 |
Frontline News Many Planners Underwhelmed By Software... EISI Buys Financial Profiles... Affluent Ignore Retirement Planning, Survey Finds... Skip Viragh Award Goes To Evensky And Hopewell... Oxford Financial Names Investment Chief... etc. |
The Motley Fool
November 28, 2006
Mary Dalrymple |
Gas Up Your Mortgage? Could an accelerator program be a good idea if you've worked through your priorities and decided that paying off your mortgage quickly ranks at the top? |
The Motley Fool
February 12, 2007
Matt Koppenheffer |
I Love Good Debt The richest people in America are taking on more debt than the middle and lower classes. But debt used wisely can be an ally in your quest to financial freedom. |
Entrepreneur
January 2005
Scott Bernard Nelson |
The Home Stretch If you're looking for cash to buy a house, your retirement account could open the door. |
Financial Planning
August 1, 2012
Katie Kuehner-Hebert |
One Income, Many Challenges While it's common these days for both adults in a family to be working, the stay-at-home parent is in no danger of becoming extinct. |
The Motley Fool
October 30, 2007
Dan Caplinger |
Get a Cheap Loan Fast ... From Yourself If you're facing a temporary setback and need a short-term solution, a 401(k) loan may not be as bad as some experts think, and a lot better than other alternatives. |
Registered Rep.
December 1, 2005
Todd K. Ballenger |
Go With the (Reverse) Flow Help your clients by reversing outdated thinking about reverse mortgages. Learn to accommodate more of their "I needs" and their "I wants." Regard a reverse the way you would a forward mortgage: It is simply a device for improving cash flow. |
Financial Advisor
November 2011
Gail Liberman |
Hope For Retirees? Reverse mortgages are still being criticized for their complexity and high fees, but demand is rising and some advisors see advantages. |
The Motley Fool
December 8, 2006
Mary Dalrymple |
Mortgage Power for Everyone Arm yourself with information before shopping for a home loan. |
Registered Rep.
January 18, 2013
Kevin McKinley |
Forget Chasing Yield; Cut Taxes for Extra Income Stop chasing higher yields, returns, and risks, and instead use these methods to reduce your working clients' income tax bills. |
