Retirees and financial planners need to keep in mind behavioral changes that can put retirement goals in jeopardy, according to a study called “Risks in advanced age.” The report says planners and clients need to work together to develop financial plans that “overcome inevitable risks in advanced age.” According to the study, clients exhibit myopic loss aversion, but financial advisers can help clients by reducing how often portfolio returns are reported -- for example from quarterly to annually. The study also suggests financial planners use a bucketing strategy or provide clients with a written IPS. The study says another risk clients face later in life is their risk perception and preferences may not be stable. The report says, "reducing retirement risk with a rising equity glide path is optimal" for clients who exhibit constant risk aversion over time.Clients in advanced age face an inevitable decline in cognitive abilities, which leads to declining investment performance and financial literacy. At the same time clients tend to deny those declining abilities. The report suggests financial planners make clients aware of their declining abilities so the don’t make financial mistakes. And, lastly, people are living longer, which presents another challenge. The study says financial advisers should strive to help their clients enjoy their retirement to the fullest, but at the same time protect their clients from using up all their funds prior to death. According to the report, one solution is to purchase longevity insurance. The study says longevity insurance provides financial planners with a timeline of how long their clients’ assessments will last, but at the same time protects the client against depleting all of his or her savings if they live longer than expected. More and more retirement planners are making lifetime income planning the main focus of their Baby Boomer clients’ retirement plans, which is a significant shift from what the primary goals were when they were accumulating their retirement funds.
Tags baby boomers retirees retirement financial planner clients financial plan portfolio investment old age elderly expectancy insurance plans
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cater Baby babies what up thatta little cakes greatest gold plated records boomers Boomer Boomer! boomer Boomers BOOMER senior oldster retiree OAP elderly person geriatric golden-ager old fogey old person old-age pensioner old-timer patriarch pensioner retired person senior citizen Retiree ebb blockade privacy shelter solitude retreat hiding abandoning abandonment abolishing abolition abrogation annulment canceling deletion dissolution dissolving elimination invalidating invalidation nullification overruling quashing recall recalling repeal repudiation retirement retracting retraction reversal reversing revocation revoking undoing withdrawing adieu bow out congé decampment desertion egress egression embarkation emigration escape evacuation exit exodus expatriation farewell flight getaway going going away goodbye hegira migration parting passage powder quitting recession removal sailing separation setting forth setting out stampede start takeoff taking leave taking off vacation 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aspect hand outlook perspective point of view position side standpoint viewpoint action plans Plan PLAN case valise bag folder anthology collection depository index memento memory book miscellany notebook portfolio register registry scrapbook Bible album atlas bestseller booklet brochure codex compendium copy dictionary dissertation edition encyclopedia essay fiction folio handbook hardcover leaflet lexicon magazine manual monograph nonfiction novel octavo offprint omnibus opus opuscule pamphlet paperback periodical preprint primer publication quarto reader reprint roll scroll softcover speller text textbook thesaurus tome tract treatise vade mecum volume work writing attaché baggage dispatch archives information personal account profile record recorded information report summary book cabinet census charts circular file data directory docket documents dossier list pigeonhole repository binder file pocket sheath wrapper wrapping briefcase purchase finance grant money loan stake property 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isochronism loop orbit period periodicity revolution rhythm ring rotation round run sequel sequence series succession wheel century duration generation hour juncture moment quarter reign spell stage term time while year ascendancy cycle height heyday prime years zenith antiquity -age ages aging aged old retired gray ancient hoary tired olden new age-old antediluvian antiquated antique been around creaky elderly getting on moth-eaten oldie over the hill passé rusty senescent senior citizen shot timeworn venerable worn worse for wear archaic back number bygone early few miles on fossil lot of mileage obsolete old goat old-fashioned older out-of-date outmoded primal primeval primordial relic remote superannuated dated fusty moldy obsolescent old hat old-fangled outworn outdated prehistoric very old along in years broken down debilitated decrepit enfeebled exhausted experienced geriatric gray-haired grizzled impaired inactive infirm mature matured not young oldish past one's prime seasoned 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intolerance irritability irritableness nervousness quick temper rashness restiveness restlessness shortness snappiness uneasiness vehemence violence being career continuance course cycle days epoch era extent generation history length life span lifetime longevity orbit period pilgrimage record season span survival time future in the cards irons in the fire odds opening plan proposal thought life coverage warranty backing warrant support cover breach break affirmation assertion declaration guarantee insurance lock lock on oath pledge profession promise rain or shine security shoo-in sure thing vow word word of honor bond deed amount assessment bite bottom line budget charge consumption debit debt decrement deprivation disbursement duty expenditure forfeit forfeiture investment liability loan loss mortgage obligation out of pocket outdo outlay output overhead payroll price price tag rate responsibility risk sacrifice spending sum surcharge tariff toll upkeep use value worth agreement assurance attestation bail bargain certainty certificate certification charter collateral contract covenant deposit earnest gage guaranty pawn pipe recognizance surety testament token undertaking burden cost depreciation expense expenses rent utilities anticipation canniness care caution circumspection discreetness discretion foresight forethought protection providence provision prudence regard safeguard safety measure wariness escrow precaution Insurance idea deal system project program policy method gimmick plot layout pattern picture means aim meaning intent device angle animus tactics outline trick purpose disorganization agenda map sketch form chart draft view design arrange devise frame invent shape ready concoct hatch scheme trace craft steer cook up fix to line up set out destroy ignore neglect forget propose mind foresee envisage count on coordination engineering masterminding organization planning plans strategy systematization activity agility alacrity alertness animation bag ballgame big idea bit business bustle commotion dash energy enterprise flurry force functioning game going happening haste hoopla hopper in the works industry life liveliness motion movement occupation operation plan power process proposition racket reaction response rush scene spirit stir stunt trip turmoil vigor vim vitality vivacity calendar card diary docket lineup schedule timetable ambition aspiration course desideratum desire direction end intention mark object objective target where one is heading wish address aspire attempt cast concentrate contemplate covet direct endeavor essay fix focus intend level mean set one's sights on sight slant strive train try want zero in on zoom in approach aspect hand outlook perspective point of view position side standpoint viewpoint logistics action Plan PLAN