Bob Klein was interviewed by Reverse Mortgage Daily to discuss how reverse mortgage professionals can partner and network with financial advisors in a recent article, Financial Planner Shares Advice to Reverse Mortgage Pros on Gaining Referrals.
Reverse Mortgage Daily featured a conversation between RMD editor Chris Clow and Bob Klein in its most recent edition of The RMD Podcast. In the conversation, Clow and Klein discuss the state of reverse mortgage product education to borrowers and professionals, the reticence many financial planners have about discussing reverse mortgages with clients, and advice to reverse mortgage originators about approaching financial planners to serve as referral partners.
Reverse Mortgage Daily published an article, Financial Planner Shares Journey of Reverse Mortgage Discovery, and How to Unlock More Participation. The article discusses Bob Klein’s discovery of reverse mortgages as a tool that can be presented to clients as a potential solution as part of their holistic retirement income plan.
Bob Klein was interviewed by Don Graves, RICP and President and Founder of HECM Advisors Group, about Bob’s recent Retirement Daily article, 5 Key Financial Metrics When Evaluating a HECM Reverse Mortgage.
Bob Klein’s article, 5 Key Financial Metrics When Evaluating a HECM Reverse Mortgage that was published on August 24th in Retirement Daily was featured in Reverse Mortgage Daily
Bob Klein’s article, 5 Key Financial Metrics When Evaluating a HECM Reverse Mortgage, was published in The Street’s Retirement Daily. There are five key financial metrics that should be analyzed individually and collectively when considering a HECM.
Retirement Income Center’s YouTube channel topped 100 subscribers today. The channel was launched in January to promote Retirement Income Center’s mission to deliver unparalleled holistic advice and service tailored to each client’s retirement income and other financial planning goals that provides a sense of relief and security, allowing all clients to feel they are being taken care of and empowered by someone with an intimate knowledge of their needs.
Bob Klein’s article, How to Enjoy a Guilt-Free Retirement, was published in The Street’s Retirement Daily. Fixed income annuities could be the key to limiting your financial guilt in retirement.
Bob Klein’s article, Nonqualified Fixed Income Annuities: A Timeless Tax and Retirement Income Planning Opportunity, was published in The Street’s Retirement Daily. One retirement income planning strategy that will be virtually unscathed by President Biden’s proposed tax increase is longevity insurance, more commonly known as fixed-income annuities.
Bob Klein’s article, Reduce Capital Gains Tax on the Sale of Your Business, was published in The Street’s Retirement Daily. The article outlines how savvy business owners planning to sell their business can reduce or eliminate income tax liability from capital gains by using a long-standing IRS-blessed strategy called a charitable remainder trust, or CRT.
Bob Klein was quoted several times in Robert Powell’s “8 Things Successful Retirees Do” MarketWatch article. “There’s no ‘formula’ for a successful retirement,” said Robert Klein, president and founder of the Retirement Income Center. “Everyone’s situation is different. Having said this, successful retirees share a combination of financial and nonfinancial characteristics that enable them to appreciate and enjoy their retirement.”
Bob Klein’s article, Take Some Chips Off the Table and Add Them to Older Income FIAs, was published in The Street’s Retirement Daily. It’s a great time to purchase or add funds to older income fixed index annuities as part of an overall retirement income plan given the escalating stock market highs.
Bob Klein’s article, RMDs Required Again in 2021, was published in The Street’s Retirement Daily. If you didn’t take distributions from your retirement plan and IRA accounts in 2020, you may be surprised by your 2021 RMD. The article explains how changes to the rules in 2020 will impact you in 2021 and beyond.
Retirement Income Center and Robert Klein, CPA moved from 5020 Campus Drive, Newport Beach, CA 92660-2120 to the following address:
23 Corporate Plaza Drive, Suite 150
Newport Beach, CA 92660-7908
Retirement Income Center’s podcasts, which went live on July 10, 2018 and have been available on Apple Podcasts, PlayerFM, and Podchaser, can now be heard on Stitcher. Stitcher is home to one of the largest podcast listening apps, giving listeners access to hundreds of thousands of podcasts.
Bob Klein’s article, Six Stealth Taxes That Can Derail Your Retirement was published in The Street’s Retirement Daily. Six stealth taxes can increase your income tax liability and reduce your lifetime after-tax retirement income. Planning for each of them should begin long before and continue throughout retirement.
Bob Klein and Retirement Income Center are proud to announce the introduction of Retirement Income Center’s “new” website and new YouTube channel. In addition to a cleaner graphical look that promotes Retirement Income Center’s Planning, Managing, and Protecting Your Retirement Income™ motto, Retirement Income Center’s “new” website includes major changes to the Home and Services pages and also features a new Affiliations page.
The organization of Retirement Income Center’s new YouTube channel also promotes Retirement Income Center’s Planning, Managing, and Protecting Your Retirement Income™ approach to working with the firm’s clients. The HOME page includes the following eight playlists reflecting the firm’s experience and expertise:
Bob Klein was interviewed by Don Graves, RICP and President and Founder of HECM Advisors Group, about Bob’s Retirement Daily article, Should You Do a Roth IRA Conversion After Age 62?
Bob Klein’s article, Carve Out Your 401(k) Company Stock for Favorable NUA Tax Treatment, was published in The Street’s Retirement Daily. How and when to withdraw highly appreciated stock from your 401(k) plan without the market value of the stock being subject to taxation is the subject of this article.
Bob Klein’s article, Keep Your Eye on QBI Before You Rothify, was published in The Street’s Retirement Daily. A Roth conversion often makes sense but there are times when reduced income tax savings can offset the potential long-term benefits of large conversion amounts.
Bob Klein completed his semiannual training with America’s IRA Experts at Ed Slott and Company, LLC by participating in a virtual workshop November 5th to November 6th. The online workshop, which was attended by members of Ed Slott’s Elite IRA Advisor Group, provided in-depth technical training on advanced retirement account planning strategies, estate planning techniques and new tax laws, as well as an in-depth look a the new retirement planning landsape since the SECURE Act and CARES Act ushered in several significant tax and retirement planning laws since January 1st.
Bob Klein’s article, Should You Do a Roth IRA Conversion After Age 62?, was published in The Street’s Retirement Daily. Planning the timing of your Roth IRA conversion carefully can not only reduce taxable income but manage Medicare premiums throughout retirement.
Bob Klein’s article, Don’t Qualify for a Coronavirus-Related Distribution? There’s Always 72(t), was published in The Street’s Retirement Daily. Don’t qualify for the CRD tax break? There’s another strategy you can use to avoid tax penalties on premature distributions from retirement plans this year.
Bob Klein’s article, 5 Retirement Plan Beneficiary Mistakes to Avoid, was published in The Street’s Retirement Daily. Mistakes can result in retirement plan assets being transferred to unintended beneficiaries. Make sure your assets are distributed the way you intend.
Bob Klein’s article, How to Maximize Your Lifetime After-Tax Income With Your 401(k), was published in The Street’s Retirement Daily. Winning at the 401(k) game requires strategic play focused on the objective of maximizing lifetime after-tax distributions.
Bob Klein’s article, Not Your Father’s Reverse Mortgage, that was published on June 10th in Retirement Daily was featured on the front page of Reverse Mortgage Daily.
Bob Klein’s article, Not Your Father’s Reverse Mortgage, was published in The Street’s Retirement Daily. This was Bob’s debut article in this publication. Monetizing housing wealth should be part of the retirement income discussion. Reverse mortgages should be part of that discussion.
Bob Klein will write articles for The Street’s Retirement Daily. Bob’s articles will appear in the “Planning for & Living in Retirement” section. Retirement Daily is edited by Robert Powell, CFP®. It is a daily newsletter about all things retirement.
Retirement Income Center has doubled its affiliations in the last nine months, increasing from 5 to 10, to provide its clients with an expanded comprehensive array of personalized planning, management, and protection services. New affiliations include the prestigious Ed Slott’s Elite IRA Advisor Group, Everplans, Asset-Map, SocialSecurityPro.com, and All Reverse Mortgage.
Bob Klein successfully completed the curriculum for the Housing Wealth Certificate Course awarded by the Housing Wealth Institute. The HECM Advisors Group, which sponsors the program, has been dedicated to providing truthful, relevant content and conversation about the new HECM reverse mortgage to financial advisors serving individuals approaching or in retirement since 2000. Retirement Income Center has recognized the importance of discussing housing wealth strategies with its soon-to-be and retired clients as part of its holstic approach to retirement income planning.
Bob Klein and Harris Scher, Vice President of Strategic Partnerships with Everplans, presented a webinar to Retirement Income Center’s retirement planning clients to introduce them to Everplans. Everplans is a simple, secure digital tool that guides you step-by-step through the creation of a complete end-of-life plan that can be shared with loved ones. Retirement Income Center is offering Everplans to its retirement planning clients as a complimentary, value-added service.
Bob Klein completed his semiannual training with America’s IRA Experts at Ed Slott and Company, LLC by participating in a virtual workshop April 30th to May 1st. The online workshop, which was attended by members of Ed Slott’s Elite IRA Advisor Group, provided in-depth technical training on advanced retirement account planning strategies, estate planning techniques and new tax laws, as well as an in-depth look a the new retirement planning landsape since the SECURE Act and CARES Act ushered in several significant tax and retirement planning laws since January 1st.
On the heels of Bob Klein’s March 16th blog post, “Will Congress Suspend 2020 Required Minimum Distributions?,” the Senate passed the massive “Coronavirus Aid, Relief, and Economic Security Act,” or the “CARES Act,” which is expected to be passed by the House and signed by the President on Friday.
The legislation includes a waiver of required minimum distributions (RMDs) for 2020. This waiver applies to company savings plans and IRAs, including both traditional and Roth inherited IRAs.
Bob Klein has been accepted as a member of Ed Slott’s Elite IRA Advisor Group℠. Members of this prestigious group train with Ed Slott and his team of IRA Experts on a continuous basis. These advisors passed a background check, complete requisite training, attend semiannual workshops, webinars, and complete manadatory exams. They are immediately notified of changes to the tax code and updates on retirement planning.
(SAN FRANCISCO) Bob Klein attended Ed Slott’s two-day workshop on February 21st – 22nd. The conference featured the SECURE Act, which was enacted on December 20, 2019 and is the most significant retirement security legislation in more than a decade.
Ed Slott is a nationally recognized professional speaker and has starred in several nationally aired public television specials including his most recent, “Retire Safe & Secure! with Ed Slott” (2020).
Retirement Income Visions™ was recently recognized as one of the Best Retirement Income podcasts on PlayerFM.
Bob Klein discussed Roth IRA conversions for the RICP® program at The American College of Financial Services in King of Prussia, Pennsylvania on November 11th and 12th. Bob teamed up with Dave Littell and Colin Slabach, two of the program’s professors, in the College’s studio to record educational videos for students.
Retirement Income Visions™ is celebrating its 10-year anniversary. The blog, which promotes innovative strategies for creating and optimizing retirement income, made its debut on August 16, 2009.
Bob Klein is celebrating his 30-year anniversary of serving clients’ financial needs. Bob has a loyal client following, many of whom have been with him since the beginning. Bob began his entrepreneurial activities opening Robert Klein, CPA in August, 1989. The firm has been providing income tax and accounting services to clients for the last 30 years.
Robert Klein, CPA also offered financial planning services to clients until 1998 when Financial Design Center was formed for this purpose. Financial Design Center was dissolved in 2011 and was succeeded by Retirement Income Center to promote Bob’s specialty and expertise in retirement income planning and to better serve clients’ needs. The firm’s motto, “Planning, Managing, and Protecting Your Retirement Income™” exemplifies its daily mission.
Retirement Income Center continues to deliver a high level of time-sensitive, coordinated services, beginning with preparation and ongoing monitoring of a dynamic retirement income plan. Unlike traditional investment management firms that only offer investment advisory services, Retirement Income Center reduces risk in clients’ portfolios using customized sustainable tax-favored income management strategies. The goal is to close the gap between clients’ projected income needs and projected income sources while reducing concern about, and exposure to, stock market volatility. Finally, Retirement Income Center’s comprehensive process includes strategies that are designed to protect clients’ income and assets from premature depletion.
Lane Martinsen’s The Holistic Retirement Planning Revolution, forward by Bob Klein, is now available on Amazon and Barnes & Noble.
(HONOLULU) Bob Klein attended the 55th annual Hawaii Tax Institute from November 4th – 8th. The event is one of the nation’s premier tax and wealth transfer conferences.
Retirement Income Center’s podcast was recently named one of the eight best retirement income podcasts on PlayerFM.
We’re excited to announce that the most recent 180 Retirement Income Visions™ blog posts and our archive of MarketWatch articles are now available on Retirement Income Center’s podcast channel.
You can find us on iTunes and Android, including free podcast apps such as Podcast Addict, RadioPublic, Castbox, Google Podcasts, and SoundCloud.
We’re excited to announce that all Retirement Income Visions™ blog posts and our archive of MarketWatch articles now leverage Amazon Polly™ Text-to-Speech (TTS) capability. Amazon Polly uses advanced deep learning technologies to synthesize speech that sounds like a human voice.
Bob Klein was quoted in the “Hybrid Model” and “Changing Attitudes” sections of John Hilton’s Post-DOL Ignition InsuranceNewsNet article.
Bob Klein’s recent feature InsuranceNewsNet article was referenced, including one of Bob’s quotes, in Rachel Summit’s Annuity FYI QLACs Gain Momentum With Wealthy Investors article.
Bob Klein was featured in Cyril Tuohy’s The Wealthy Take a Shine to QLACs InsuranceNewsNet article that discusses recent findings about QLACs and fixed income annuities in general. Bob was quoted in the first three paragraphs and three other paragraphs.
Bob Klein was quoted extensively in the “Annuities Blending with Finance” section of Steven Morelli, Susan Rupe, John Hilton, and Brian O’Connell’s 2018: The Bonus Year article in InsuranceNewsNet Magazine.
Bob Klein was quoted in paragraphs 6, 7, and 8 of Karen DeMasters’ and Christopher Robbins’ Advisors Eye Tax Reform Uncertainties, Implications to Clients article in Financial Advisor.
Bob Klein’s proposed tax credit longevity annuity plan was featured in Karen DeMasters’ Financial Advisor article, Advisor Proposes Tax Credit for Deferred Income Annuities. The proposed plan was introduced in Bob’s November 7, 2017 post, The Perfect Storm for a Tax Credit Longevity Annuity Plan. Its potential to create private pension plans while providing for long-term care benefits is timely with the Tax Cuts and Jobs Act winding its way through Congress.
Citing a perfect storm, Bob Klein has proposed the Tax Credit Longevity Annuity Plan, or TCLAP. The TCLAP addresses multiple retirement planning challenges that keep pre-retirees and retirees up at night. Please see Bob’s press release and blog post for details.
Retirement Income Visions™, with its theme of Innovative Strategies for Creating and Optimizing Retirement Income, is celebrating its 8-year anniversary. Bob Klein has written and published 259 posts since its inception in August, 2009 on a wide array of retirement income planning topics including income tax planning, Roth IRAs, Social Security, fixed income annuities, Medicare, extended care, and estate planning.
Reverse mortgages have been added as a new category to Retirement Income Center’s Retirement Income Planning Resource Center. Traditionally a last resort, reverse mortgages are becoming increasingly popular as a strategic retirement income planning strategy. There are several excellent resources to learn about them.
Publication of the popular RetireMentors section of MarketWatch was recently discontinued. Bob Klein had a total of 60 informative articles on various retirement income planning topics published as a RetireMentor between 2013 and 2016. Bob’s articles may be found in Retirement Income Center’s MarketWatch RetireMentors Archive.
Bob Klein was quoted in Jamie Hopkins’ President-Elect Trump Is Already Impacting Retirees Forbes article. The article discusses The American College of Financial Services’ recent survey focusing on how the election and all-time market highs are impacting consumers and retirement income planning.
Bob Klein critiqued students’ comprehensive financial plan presentations in David Nanigian’s Theory and Practice of Financial Planning class at Cal State Fullerton as part of a panel of practitioners. Bob is a member of the CFP® Program Advisory Board at the university.
Bob Klein was quoted in lessons #3 and #4 of Andrea Coombes’ Ready to Retire? 6 Ways to Know If Your Money Is article that was published in today’s MarketWatch.
Bob Klein’s article, Make Sure You Have a Long-Term Care Plan in Place Before It’s Too Late, was published in today’s MarketWatch. Given the fact that cognitive decline is inevitable, it makes sense to develop a long term care plan while we still have our faculties that will simplify our financial life, including investment management.
(BALTIMORE) Bob Klein attended the Financial Planning Association (FPA) 2016 National Conference held September 14 – 16 in Baltimore. The conference is the largest gathering of CFP® professionals and thought leaders in financial planning.
Bob Klein attended his first meeting as a member of the Cal State Fullerton CFP® Program Advisory Board. The Board assists in curriculum development and updates, provides for applicable student learning experiences, and facilitates growth in enrollments and placements.
Bob Klein’s article, How to Put Some Muscle Into Your Roth 401(k), was published in today’s MarketWatch. The allocation of traditional vs. Roth 401(k) contributions is a decision that will impact the life of your retirement funds for you, your spouse, and potentially your children and other beneficiaries.
Retirement Income Visions™, with its theme of Innovative Strategies for Creating and Optimizing Retirement Income, is celebrating its 7-year anniversary. The blog, with its wide array of timely retirement income planning topics, has been written and published by Bob Klein since August, 2009.
Bob Klein’s article, Should the Social Security Eligibility Age be Increased to 64?, was published in today’s MarketWatch. With exceptions for those who are unemployed not by choice or in questionable health, retirement preparedness would be improved if the Social Security eligibility age is increased from 62 to 64.
Bob Klein’s article, 5 Reasons to Include Sustainable Income in Your Retirement Plan, was published in today’s MarketWatch. Sustainable, or predictable, income can reduce the uncertainty in your financial life. Here are five reasons to include this type of income in your retirement plan.
Bob Klein is featured in the The American College of Financial Services’ 2015 Annual Report. Bob is spotlighted at the bottom of page 3 and the top of page 4 of the report.
Bob Klein’s article, 5 Carryovers to Remember When Doing 2016 Tax Planning, was published in today’s MarketWatch. There are losses, deductions, and tax credits that are limited in the amount that can be used on your current year tax returns that must be carried over to next year. Here are five you don’t want to forget about.
Bob Klein’s article, Does it Matter Whether You Receive an Income Tax Refund?, was published in today’s MarketWatch. Whether you owe tax or are due a refund, there should be no surprises when you file your tax returns.
Bob Klein’s article, $1 Million Today or $100,000 a Year for the Rest of Your Life?, was published in today’s MarketWatch. Assuming that you’re planning for retirement, would you rather invest $1 million today in a variable rate portfolio or do you prefer the safety and security of a known and predictable amount of lifetime income?
Bob Klein was quoted extensively in Ed McCarthy’s Building Your Brand article which is the cover story of the February issue of Retirement Advisor magazine.
Bob Klein was quoted extensively in Ed McCarthy’s 01-29-16 Life Health Pro Why Branding is Too Important for Advisors to Ignore Article that was published in LifeHealthPro. Bob’s quotes are featured beginning on page 3.
Bob Klein was quoted in Karen DeMasters’ Even After Years of Planning, Investors Make Retirement Mistakes article that was published today in Financial Advisor. Bob’s quotes are featured in the last paragraph on page 1 and the first two paragraphs on page 2.
Bob Klein was quoted at the end of Karen DeMasters’ 401(k) Plans Not Enough for Many Clients article that was published today in Financial Advisor.
Bob Klein’s article, Don’t Limit Your Longevity Protection to $125,000, was published in today’s MarketWatch. If you want longevity protection greater than $125,000, you need to explore other types of fixed-income annuities besides qualified longevity annuity contracts, or QLACs.
2015 was a successful year for Bob Klein and Retirement Income Center. In addition to servicing his clientele, Bob continued to distinguish himself as a leader in the retirement income planning field through his various activities.
Bob began the year by attending the AICPA Advanced Personal Financial Planning Conference in Las Vegas in January. He also attended the 2015 Retirement Income Summit in Chicago in May.
Much of Bob’s free time in the summer was devoted to working on Retirement Income Center’s new website that was launched in September. Several changes were made to the site, including the addition of Retirement Income Visions™ which was previously a separate site, a new Multimedia page, and expansion of the Retirement Income Planning Resource Center™.
Bob was a speaker on the Retirement Income Planning Panel held at the 2015 Knowledge Summit sponsored by The American College in Honolulu in October. Bob was selected as The American College Alumnus of the Month for December.
Bob wrote 12 articles that were published in Bob’s third year as a MarketWatch RetireMentor. Several of Bob’s articles rose to the #1 Most Popular in Retirement.
In addition to his MarketWatch articles, Bob wrote and published 15 posts for Retirement Income Visions™ in 2015. The blog, which features innovative strategies for creating and optimizing retirement income, celebrated its sixth year of publication in August.
A busy writing year, Bob Klein wrote his first eBook, “6 Steps for Successful Investing” that became available on Retirement Income Center’s website in September.
Bob was quoted in several articles in 2015, including CNBC’s An Option for Those Who Fear Outliving Their Money and InvestmentNews’ New Financial Planning Software Tries to Win Market Share From Advisers in a Crowded Field. Bob was the featured adviser in LifeHealthPro’s article, Why You Should Use FIAs in Retirement Income Planning. Bob was also featured in InsuranceNewsNet’s lead article, FIA Terms Tighten Despite Strong Sales.
Bob Klein’s article, The Tax Rules That Limit the Deductibility of Your IRA Contributions, was published in today’s MarketWatch. The ability to make relatively small deductible traditional IRA contributions continues to be unreasonably limited by IRS’ income thresholds.
Bob Klein was selected as The American College Alumnus of the Month for December.
Bob was one of the first recipients of the Retirement Income Certified Professional® (RICP®) designation through The American College. Bob’s New York Life Center for Retirement Income videos are part of the college’s RICP® curriculum. Bob was also a speaker at the college’s 2015 Knowledge Summit in Hawaii on October 22nd.
Bob Klein was quoted extensively in Cyril Tuohy’s FIA Terms Tighten Despite Strong Sales article that was the lead article published today in InsuranceNewsNet. Bob’s quotes are featured throughout the entire article. InsuranceNewsNet is the insurance industry’s number one news source.
Bob Klein’s article, Social Security Loophole’s Windfall Opportunity Repealed, was published in today’s MarketWatch. With the passage of the Bipartisan Budget Act of 2015, single individuals are losing the ability to use a Social Security strategy that enables them to claim a sizeable retroactive lump sum payment of benefits.
As a follow-up to the October 23, 2015 news item regarding Bob Klein speaking on the Retirement Income Planning Panel held at the 2015 Knowledge Summit at Hilton Hawaiian Village in Honolulu on October 22, 2015, here’s the video from the presentation.
Bob Klein’s article, Take Steps to Make Your Retirement Nest Egg Tax Friendly, was published in today’s MarketWatch. If you want to extend the life of your retirement nest egg, you need to know and understand the income-tax consequences of the distributions that you will receive from the investments you make today and diversify accordingly.
Bob Klein was a speaker on the Retirement Income Planning Panel held at the 2015 Knowledge Summit at Hilton Hawaiian Village in Honolulu yesterday.
Bob Klein was the featured adviser quoted extensively in Ed McCarthy’s Why You Should Use FIAs in Retirement Income Planning article that was published on October 23rd in LifeHealthPro. Bob’s quotes are featured in all five paragraphs in the Flexibility section on page 1 and the last two paragraphs in the Drawbacks section on page 2.
Bob Klein’s article, Don’t Let Higher Medicare Premiums Derail Your Social Security Plan, was published in today’s MarketWatch. If you’re deferring your Social Security start date and you’re one of the 30% of Medicare beneficiaries facing a 52% increase in your Medicare premium in 2016, don’t let higher Medicare premiums derail your plan.
Bob Klein’s article, Investing in Your Health Can be Your Best Way to Avoid Taxes, was published in today’s MarketWatch. There’s only one type of investment that’s tax-deductible, tax-free, and isn’t subject to IRS’ minimum distribution requirements and income limitations. Can you guess what it is?
Bob Klein was quoted in Alessandra Malito’s New Financial Planning Software Tries to Win Market Share From Advisers in a Crowded Field September 16th article. Bob was the only financial adviser quoted in the article, with his quotes featured in the last five paragraphs.
A new video featuring Retirement Income Center founder and president Robert Klein discussing the firm’s unique approach to retirement income planning has been added to the Our Process and Multimedia pages of the firm’s website.
Bob Klein was quoted in the 10th and 12th paragraphs of today’s CNBC article, An Option for Those Who Fear Outliving Their Money. The article discusses qualified longevity annuity contracts, or QLACs, a relatively new retirement income planning strategy on which Bob has written several articles.
Bob Klein’s eBook, “6 Steps for Successful Investing” was published and is available on Retirement Income Center’s website. Unlike many books that promote hit-or-miss piecemeal investment strategies, “6 Steps” focuses on the fact that you become a successful investor by realizing and understanding that investing is a process that needs to be customized to each person’s financial situation and financial goals at his/her particular stage in life. Click here to download a free copy.
Retirement Income Center’s new website, designed by OrangeAxis in Vero Beach, Florida, launched today. “We have invested time and resources over the summer to bring our digital presence up to speed with modern web standards,” stated Bob Klein, President of Retirement Income Center. There are several changes in the site, including the addition of Retirement Income Visions™ which was previously a separate site, a new Multimedia page, and expansion of the Retirement Income Planning Resource Center™.
Bob Klein’s article, Depressed Markets Provide Opportunities for Roth IRA Conversions, was published in today’s MarketWatch section of The Wall Street Journal. The recent stock market decline presents a potential window of opportunity to determine if a partial or total Roth IRA conversion makes sense for you.
Retirement Income Visions™ celebrated its six-year anniversary today. The blog, written and published by Bob Klein, features innovative strategies for creating and optimizing retirement income.
Bob Klein will be part of a three-person panel discussing retirement income planning issues at The American College’s 2015 Knowledge Summit in Honolulu on October 22nd. He will be joined by David Littell, Director of the New York Life Center for Retirement Income and Wade Pfau, Professor of Retirement Income at The American College.
Bob Klein’s article, How to Design the Ideal Retirement Portfolio, was the #1 most popular RetireMentors article yesterday the entire day. The article had over 23,000 views and has added another 9,000 views so far today for a total of 32,000.
Bob Klein’s article, How to Design the Ideal Retirement Portfolio, was published in today’s MarketWatch section of The Wall Street Journal. Designing and managing a retirement portfolio requires a timely transition from an investment to an income allocation mindset. Different, and perhaps more secure, types of investments will need to be included in most portfolios in order to generate adequate income for the duration of retirement.
Bob Klein’s article, Will 13 be the Dow’s Lucky Number? was published in today’s MarketWatch section of The Wall Street Journal. When the Dow closes at or above 18,000 for the 13th time, will this mark the end of the start-and-stop pattern that began almost six months ago?
Bob Klein’s article, Retrofit Your Portfolio Before the Next Market Crash, was the feature article yesterday morning on MarketWatch and was the #1 most popular Retirement article all day! The article had over 15,000 views.
Bob Klein’s article, Retrofit Your Portfolio Before the Next Market Crash, was published in today’s MarketWatch section of The Wall Street Journal. There are two time-tested, conservative strategies you should consider to prepare for the next stock market crash.
Bob Klein’s article, Medicare Part B Premiums Increasing Up to 30%, which was published in yesterday’s MarketWatch section of The Wall Street Journal, was featured on the front page of MarketWatch and was the #1 most popular Retirement article yesterday. The article has over 30,000 views.
Bob Klein’s article, Medicare Part B Premiums Increasing Up to 30%, was published in today’s MarketWatch section of The Wall Street Journal. When the Medicare Access and CHIP Reauthorization Act of 2015, commonly known as the “doc-fix” legislation, becomes law, some Medicare participants will pay 30% more for their Part B premiums.
(CHICAGO) Bob Klein gained advanced education on a variety of retirement income planning topics from some of the word’s foremost experts at the 2015 Retirement Income Summit held May 4 – 5 in Chicago.
The event was the ninth annual conference developed by the editors of InvestmentNews. Its goal was to provide solutions to help advisers navigate today’s market challenges. The agenda was comprehensive, with topics including planning for healthcare, longevity insurance, retirement income tax strategies, Roth IRAs, and Social Security. Moshe Milevsky, Ph.D., associate professor of the Schulich School of Business at York University, and executive director of the IFID Centre in Toronto, presented the well-received keynote session, “When Deferred Income (Longevity) Annuities Make Sense.”
Bob Klein’s article, 5 Benefits of a Capital Gains Retirement Strategy, was published in today’s MarketWatch section of The Wall Street Journal. If you are self-employed and have a sizable capital loss carryover, you may want to forego part or all of your retirement contributions.
Bob Klein’s article, How to Reduce Retirement Anxiety, was published in today’s MarketWatch section of The Wall Street Journal. A secure retirement paycheck is key to worrying less about your financial future whether you’re planning for retirement or are already retired.
(LAS VEGAS) Bob Klein attended the AICPA Advanced Personal Financial Planning Conference. The conference is recognized as the most technically advanced personal financial planning conference inside and outside the CPA profession.
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2014 was an eventful year for Bob Klein and Retirement Income Center. In addition to servicing his clientele, Bob continued to distinguish himself as a leader in the retirement income planning field through his various media activities.
Bob kicked off the year on January 5th as a guest on an hour-long radio talk show, Living Your Life with Phyllis Sax Pilvinis, that aired from Phoenix.
Bob traveled to Bryn Mawr, Pennsylvania to do a series of interviews about various retirement income planning topics in an all-day studio recording session on January 8th with David Littell, the director of the Retirement Income Certified Professional® (RICP®) program at The American College.
Bob wrote 17 articles that were published in Bob’s second year as a RetireMentor for the Wall Street Journal‘s online MarketWatch. Seven of Bob’s articles rose to the #1 Most Popular in Retirement ranking. Two articles, Wealthy Paid 13% More Tax on Same Income, which had over 20,000 views, and Social Security Loophole’s Huge Windfall Opportunity, which had over 190,000 views and was quoted by Jean Chatzky, were in the top five Most Popular MarketWatch, with Bob’s “Social Security” article holding the #1 spot on July 11th.
In addition to his MarketWatch articles, Bob wrote and published 19 posts for Retirement Income VisionsTM in 2014. The blog, which features innovative strategies for creating and optimizing retirement income, celebrated its fifth year of publication in August.
Another major accomplishment was the redesign and release of Retirement Income Center‘s website which went live on June 12th. In addition to including several educational videos, the site features a Retirement Income Planning Resource Center with links to numerous planning, managing, and protection resources.
In August, Bob Klein celebrated 25 years owning and operating his own business. This includes Robert Klein, CPA, which Bob founded in 1989 and continues to operate today, as well as Financial Design Center which was superseded by Retirement Income Center, A California Registered Investment Advisor, in 1998.
Bob was interviewed for half an hour on The Financial Quarterback with Josh Jalinski radio show on WOR 710 from New York City on September 13th.
Bob traveled to Boston to attend the Winning in IRA Rollovers conference sponsored by Financial Research Associates on September 14th to 15th.
Bob’s third radio interview of 2014, with Bruce Alan of WTOP 103.5 from Washington, D.C., was recorded on October 30th and was aired on November 15th.
Finally, Bob was quoted in two Financial Advisor articles in 2014, including Karen DeMasters’ May 15th article, Over 65 Population Doubling.
Bob Klein’s article, Starting Social Security Later – For Your Spouse’s Sake, was published in today’s MarketWatch section of The Wall Street Journal. The decision regarding when to begin receiving Social Security retirement benefits should be carefully analyzed, especially if you’re married since it will affect the monthly benefit that you and your spouse will receive for the rest of your lives.
Bob Klein’s article, No Bargains on Roth IRA Conversions This Friday, was published in today’s MarketWatch section of The Wall Street Journal. With the current stock market highs, those looking to do Roth IRA conversions need to be patient in order to realize potential benefits from a conversion.
Bob Klein’s article, How Annuities Can Provide a Secure Retirement Withdrawal Strategy, was published in today’s MarketWatch section of The Wall Street Journal. Unlike the safe withdrawal strategy which lacks the ability to provide known and predictable income in a single year, let alone for the duration of retirement, fixed income annuities are designed for this purpose.
Bob Klein’s interview with Bruce Alan of WTOP 103.5 FM from Washington, D.C. that was recorded on October 30th aired today. Bob discussed the use of fixed income annuities as a retirement income planning strategy with Bruce. The interview was solicited in response to Bob’s MarketWatch RetireMentors article that was published on October 28th, Don’t Let the Next Downturn Undermine Your Retirement.
Bob Klein’s article, Don’t Let the Next Downturn Undermine Your Retirement, was published in today’s MarketWatch section of The Wall Street Journal. The recent flash correction reminds us about the importance of addressing the sequence of returns investment risk when planning for retirement using sustainable income strategies at opportune times.
Bob Klein’s article, Extend the Life of Your Children’s Inherited IRAs, was published in today’s MarketWatch section of The Wall Street Journal. An investment planning opportunity is available to address a proposal in President Obama’s 2015 budget that, if approved, would accelerate distribution of IRAs inherited by nonspouses such as children.
(BOSTON) Bob Klein attended the Winning in IRA Rollovers conference, sponsored by Financial Research Associates, at The Harvard Club. Bob increased his knowledge and expertise in this important and growing retirement income planning area.
Bob Klein was interviewed for the last half hour of The Financial Quarterback with Josh Jalinski radio show on WOR 710 from New York City. Bob discussed his MarketWatch article that was published earlier this week, Why an Air Tight Will Can’t Protect Beneficiaries. WOR is a Clear Channel Media owned and operated station that reaches over 1 million listeners a week and is New York’s most listened to news/talk station.
Bob Klein’s article, Why an Air-Tight Will Can’t Protect Beneficiaries, was published in today’s MarketWatch section of The Wall Street Journal. Beneficiary forms often play a crucial role in determining who will receive your assets when you die. It’s important to coordinate beneficiary designations on these forms with your formal estate planning documents.
Bob Klein’s article, Long-Term Care Insurance Makes a Great Birthday Gift, was published in today’s MarketWatch section of The Wall Street Journal. Given the financial, emotional, and physical toll an extended care event takes on caregivers, it behooves you to make sure that your parents have a written extended care plan, including long-term care insurance when appropriate – even if you have to pay for it.
Retirement Income VisionsTM, Bob Klein’s blog featuring innovative strategies for creating and optimizing retirement income, celebrated its five-year anniversary. Bob’s goal in writing this blog remains the same as it was five years ago: to bring to readers’ attention innovative planning strategies that they can use to create and optimize retirement income, and in many cases, reduce exposure to adverse financial market conditions
Bob Klein celebrates 25 years owning and operating his own business. After working for national and local CPA and financial planning firms in New York, New Jersey, and California, Bob founded Robert Klein, CPA in August, 1989. Bob began the business from his home and within three months moved the firm to its present location at 5020 Campus Drive in Newport Beach. Robert Klein, CPA continues to serve the income tax and accounting needs of its individual, business, and fiduciary clients.
Bob formed a separate entity, Financial Design Center, in 1998 to offer financial planning services to his clients. The firm operated until 2011 when it was superceded by Retirement Income Center, a California Registered Investment Advisor, to emphasize Bob’s specialization and expertise in retirement income planning. Retirement Income Center’s motto, Planning, Managing, and Protecting Your Retirement Income, is supported by the dynamic, comprehensive array of services the firm provides to its clients.
Bob Klein’s article, 6 Ways a New Tax Law Benefits a Sustainable Income, was published in today’s MarketWatch section of The Wall Street Journal and quickly rose to the #1 Most Popular in Retirement. Treasury and IRS’ recent final regulation allowing longevity insurance in retirement plans is an important step toward reducing widespread anxiety over the possibility of outliving one’s assets.
Bob Klein’s article, Social Security Loophole’s Huge Windfall Opportunity, which was published on July 10th in the MarketWatch section of The Wall Street Journal and has about 190,000 views, was quoted extensively by Jean Chatzky in her This Week in Your Wallet publication that’s emailed to Jean’s subscribers. Jean is a financial journalist, author and motivational speaker with 38,000 Twitter followers. She is the financial editor for NBC’s Today Show.
Bob Klein’s article, Social Security Loophole’s Huge Windfall Opportunity, which was published in today’s MarketWatch section of The Wall Street Journal, has been the second most popular article on MarketWatch for most of the day. It has also been the #1 most popular Retirement article and has been featured on the front page of MarketWatch all day.
Bob Klein’s article, Social Security Loophole’s Huge Windfall Opportunity, was published in today’s MarketWatch section of The Wall Street Journal. Unbeknownst to most people, a popular Social Security strategy can be used by single individuals and couples alike to create a windfall opportunity in the right situation.
Retirement Income Center acquired the domain name, www.RetirementIncomeCenter.com, today. This replaces the previous domain, www.RetirementIncomeCtr.com.
Bob Klein’s article, You Need a Plan to Retire Before You Plan to Retire, was published in today’s MarketWatch section of The Wall Street Journal. You can never start planning too early for retirement. Studies show there’s a good chance that you will retire before you expect to do so.
Retirement Income Center’s new, resdesigned website went live today. The new site has a cleaner look, is easier to navigate, and features a brand new Retirement Income Planning Resource Center with links to numerous planning, managing, and protection resources. The site also includes several new educational videos.
Bob Klein was quoted in the 6th through 9th paragraphs of Karen DeMasters’ Financial Advisor article, Over 65 Population Doubling.
Bob Klein’s article, 8 Reasons Fixed-Income Annuities Belong in Your IRA, was published in today’s MarketWatch section of The Wall Street Journal. Fixed-income annuities can be a natural fit for a traditional IRA in the right situation.
Bob Klein’s article, Wealthy Paid 13% More Tax on Same Income, which was published in Friday’s MarketWatch section of The Wall Street Journal, has generated over 20,000 views to date.
The article was featured on the home page of MarketWatch most of the day on Friday. It rose to the #2 position in “Most Popular in Retirement” and was also the #5 “Most Popular” on MarketWatch.
Bob Klein’s article, Wealthy Paid 13% More Tax on Same Income, was published in today’s MarketWatch section of The Wall Street Journal. Although high income households traditionally pay more than their fair share of income tax relative to their numbers, 2013 was especially onerous due to the 2013 income tax law changes.
Bob Klein’s article, Retirement: The More You Know, The More You Save, was published in today’s MarketWatch section of The Wall Street Journal. Individuals who have access to retirement income projections save more, feel better informed about retirement planning, and feel more certain about the amount of income that they can expect to receive in retirement.
Bob Klein participated in a series of educational interviews with David Littell, the director of The New York Life Center for Retirement Income at The American College in Bryn Mawr, Pennsylvania in January, 2014. In this video, Bob discusses 8 retirement income planning best practices that he uses with his clients.
Bob Klein’s article, Don’t Depend on Your Employer for Retirement, was published in today’s MarketWatch section of The Wall Street Journal. Employers are motivated by competition, not by your need to ensure adequate retirement income, when they offer 401(k) plans.
Bob Klein participated in a series of educational interviews with David Littell, the director of The New York Life Center for Retirement Income at The American College in Bryn Mawr, Pennsylvania in January, 2014.
In this video, Bob discusses how he uses technology to improve retirement planning.
Bob Klein’s article, No Plan for Your 401(k)? You’re Not Alone, was published in today’s MarketWatch section of The Wall Street Journal. Despite the fact that a 401(k) will most likely be an employee’s largest investment asset, few have any idea what to do with it when they hit retirement.
Bob Klein’s article, When It Comes to Retirement, It Pays to Be an Optimist, was published in today’s MarketWatch section of The Wall Street Journal. A recent study found that there’s a statistically significant relationship between an individual’s subjective life expectancy and his expectations of when he’ll retire.
Bob Klein’s article, Planning to Retire? Start With the Right Question, was published in today’s NextAvenue, a major PBS system website designed to reach America’s booming 50+ population as they plan for and literally define a new life stage. Bob’s article was originally published on January 22nd in the MarketWatch section of The Wall Street Journal.
Bob Klein’s article, Planning to Retire? Start With the Right Question, was published in today’s MarketWatch section of The Wall Street Journal. “Will I have enough assets to last for the rest of my life?,” while a common question, isn’t the right question to ask when planning for retirement.
(BRYN MAWR) Bob Klein was a guest expert at The American College in Bryn Mawr, Pennsylvania on Wednesday. Bob did a series of interviews in a studio recording session with the director of the the Retirement Income Certified Professional (RICP®) program at the college. Bob’s interviews will be used in the program for current and future students and will also be available for viewing on the American College’s website.
Bob received his RICP designation on July 1, 2013. The RICP® educational curricula is the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income.
(PHOENIX) Bob Klein was a guest on the hour-long radio talk show, Living your Life with Phillis Sax Pilvinis, that aired on Phoenix talk radio station, AM-960, The Patriot.
The radio show, hosted by Phillis Sax Pilvinis, a fellow retirement income planner, explores topics on how to be financially secure and independent in retirement.
Bob Klein was quoted in the 11th paragraph of Karen DeMasters’ Financial Advisor article, Push Is On To Increase Social Security Retirement Age.
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2013 was a newsworthy year for Bob Klein and Retirement Income Center. Beginning with Robert Powell’s January 11th Now is the Time for Tax-Efficient Investments article published in The Wall Street Journal’s Market Watch that included two links to Retirement Income VisionsTM January 7th The 2013 Tax Law Schizophrenic Definition of Income article, Bob Klein was quoted in eight articles in five publications.
Bob’s quotes appeared in The Wall Street Journal, Market Watch, InvestmentNews, AnnuityNews, and Financial Advisor, including four articles in the latter publication.
The Retirement Income Journal featured Bob in a RetiremEntrepreneur profile in its December 19th issue.
After being accepted in the beginning of the year as a RetireMentor writer for MarketWatch that’s part of the online Wall Street Journal, 23 of Bob’s articles were published in 2013. Five rose to the #1 Most Popular in Retirement ranking, with four of them ranked in the top four MarketWatch articles, one as high as #2. Two of Bob’s articles, Your Adviser’s Retirement-Income Disconnect, published on November 5th, and What’s Your $1 Million Payday Really Worth?, published on November 19th, were the featured MarketWatch headline for portions of both days. Bob’s MarketWatch articles racked up over 300,000 views in 2013, with his November 19th article responsible for almost 60,000.
In addition to his MarketWatch articles, Bob wrote and published 30 posts for Retirement Income VisionsTM in 2013. The blog, which features innovative strategies for creating and optimizing retirement income, celebrated its fourth year of publication in August.
Bob’s most significant professional accomplishment in 2013 was earning his Retirement Income Certified Professional® (RICP®) designation from The American College in Bryn Mawr, Pennsylvania. Bob was one of the first recipients of this designation since the program was introduced less than two years ago. The RICP® educational curricula is the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income.
Finally, in addition to serving his clients, Bob found the time to attend two national professional conferences in Las Vegas and Chicago. As you can see, 2013 was indeed a newsworthy year for Bob Klein and Retirement Income Center.
Bob Klein was extensively quoted in Karen DeMasters’ Financial Advisor article, Advisors Neglect Written Financial Plans.
The article follows the December 18th publication of Bob’s article, Retired? Dust Off Your Retirement Plan in the MarketWatch section of The Wall Street Journal stressing the importance of retirees revisiting and updating their retirement plans.
Bob Klein was featured as a RetiremEntrepreneur in today’s Retirement Income Journal, the online information forum of the retirement income planning industry.
Bob Klein’s article, Retired? Dust Off Your Retirement Plan was published in today’s MarketWatch section of The Wall Street Journal. Retirement planning, like all financial planning, was never meant to be a onetime exercise. Just because your plan got you to retirement doesn’t mean it will get you through retirement.
Bob Klein’s article, Considering a Roth IRA Conversion Before Year-End? was published in today’s MarketWatch section of The Wall Street Journal. Unless you fall into one of the six conducive income tax scenarios, this probably isn’t a great time to do a Roth IRA conversion.
Bob Klein’s article, What’s Your $1 Million Payday Really Worth?, which was published in yesterday’s MarketWatch section of The Wall Street Journal generated over 48,000 views its first day and is currently approaching 53,000 views.
The article was featured as the MarketWatch headline article for much of the day. It quickly rose to the #1 position in “Most Popular in Retirement” where it currently remains. It was also the #4 “Most Popular” MarketWatch article for much of the day yesterday.
Bob Klein’s article, What’s Your $1 Million Payday Really Worth?, was published in today’s MarketWatch section of The Wall Street Journal. Is $1 million in savings and investments enough to retire on? There are three questions you need to answer if this is your goal.
Bob Klein was quoted today in Quentin Fottrell’s MarketWatch article, 10 Things Billionaires Won’t Tell You . Bob’s quote appears in item #7 – “We didn’t get rich investing in stocks.”
Bob’s articles are published in The RetireMentors section of MarketWatch on a regular basis.
Bob Klein’s article, Your Adviser’s Retirement-Income Disconnect, which was published in yesterday’s MarketWatch section of The Wall Street Journal, generated over 22,000 views on its first day and topped 25,000 this morning.
The article was featured on the home page of MarketWatch most of the day yesterday, including being promoted as the feature headline for about two hours. It quickly rose to the #1 position in “Most Popular in Retirement” and was also the #3 “Most Popular” on MarketWatch for much of the day.
Bob Klein’s article, Your Adviser’s Retirement-Income Disconnect, was published in today’s MarketWatch section of The Wall Street Journal. There has historically been a retirement-income planning disconnect in much of the investment-adviser world when it comes to how retirement planning is practiced.
Bob Klein’s article, Retirement Planning is a Two-Step Process, was published in today’s MarketWatch section of The Wall Street Journal. Successful retirement planning is a two-step process. Each step depends on your particular stage in life.
Bob Klein’s article, 10 Reasons Your Retirement Plan Won’t Cut It, which was published in Monday’s MarketWatch section of The Wall Street Journal, generated over 34,000 views in its first two days and topped 35,000 this morning.
The article quickly rose to the #1 position in “Most Popular in Retirement” on Monday where it remains. It was also the #2 “Most Popular” MarketWatch article for most of the day on Tuesday. In addition, it was picked up by several online news services including Huffington Post.
Bob Klein’s article, 10 Reasons Your Retirement Plan Won’t Cut It, was published in today’s MarketWatch section of The Wall Street Journal. IRA’s and 401(k) plans generally aren’t sufficient to meet most individual’s financial needs in retirement. Here are 10 reasons why.
Bob Klein’s article, Fixed-Index Annuities as Bonds Alternative, was published in today’s MarketWatch section of The Wall Street Journal. Fixed-index annuities retain the fixed income nature of bonds while offering protection from bond and equity market declines.
Bob Klein’s retirement income planning expertise was featured in Andrea Coombes’ MarketWatch article, Social Security as Part of Your Portfolio. Bob was quoted extensively in the “Income, not assets” section on page 2 of Andrea’s article which is currently the #1 Most Poplular in Retirement.
Retirement Income VisionsTM celebrated four years of publishing blog posts featuring innovative strategies for creating and optimizing retirement income. Although it changed from a weekly to a biweekly publishing schedule as a result of Bob Klein’s acceptance of a gig as a Wall Street Journal MarketWatch RetirementMentors contributor earlier in the year, Retirement Income VisionsTM continues to boast a fair number of followers.
Bob Klein’s article, Have You Planned for These 7 Tax Law Changes?, was published in today’s MarketWatch section of The Wall Street Journal. Although the new laws are primarily designed to increase taxes for those with higher levels of income, everyone with earned income is affected.
Bob Klein’s article, Stock Market Gains Aren’t What They Seem, was published in today’s MarketWatch section of The Wall Street Journal. Recent stock market gains are impressive – until you increase the time frame. If you’re a pre-retiree, a balanced conservative approach should always be your retirement-income planning mantra.
Bob Klein’s article, Retire Confidently With a Written Plan was published in today’s MarketWatch section of The Wall Street Journal. Working with a financial advisor on a written retirement income plan gives you a higher level of confidence of achieving your retirement planning goals, makes you feel good about the process, and reduces stress and anxiety.
(NEWPORT BEACH) Bob Klein has earned the Retirement Income Certified Professional® (RICP®) professional designation from The American College, Bryn Mawr, Pennsylvania.
Candidates for the RICP® designation must complete a minimum of three college-level courses and are required to pass a series of two-hour proctored exams. They must also have three years of experience, meet stringent ethics requirements, and participate in The College’s continuing education program.
The RICP® educational curricula is the most complete and comprehensive program available to professional financial advisors looking to help their clients create sustainable retirement income. The rigorous three-course credential helps advisors master retirement income planning, a key focus area not fully covered in other professional designation programs. From retirement portfolio management techniques and mitigration of plan risks to the proper use of annuities, employer-sponsored benefits and determining the best Social Security claiming age, the RICP® provides a wealth of practical information for advisors.
Using the most current techniques, RICP®s identify retirement income needs and objectives and evaluate a client’s current situation relative to those goals. Individuals who earn a RICP® can provide expert advice on a broad range of retirement topics including income needs and objectives, estate issues and other risks to retirement income planning, Social Security, health insurance and housing decisions, and income taxation.
See Bob Klein’s biography to learn more about Bob.
The American College is the nation’s largest non-profit educational institution devoted to financial services. Holding the highest level of academic accreditation, The College has served as a valued business partner to banks, brokerage firms, insurance companies and others for over 86 years. The American College’s faculty represents some of the financial services industry’s foremost thought leaders. For more information, visit TheAmericaCollege.edu.
Bob Klein’s article, 10 Keys to Retiring on Your Terms was published in today’s MarketWatch section of The Wall Street Journal. If you follow these ten guiding principles, you can increase your likelihood of enjoying a fulfilling and successful retirement.
Bob Klein’s article, Want to Retire? Stop Chasing Returns, was published in today’s MarketWatch section of The Wall Street Journal. Retirees live on income, not investment returns. Failing to transition from a
return chaser to an income accumulator risks outliving your assets.
Bob Klein’s retirement income planning expertise was featured in the Financial Advisor Magazine article, Rising Housing Debt for Older Americans May Create ‘Perfect Storm.’ Bob was quoted in the last four paragraphs of this article.
Bob Klein’s retirement income planning expertise was featured in the Financial Advisor Magazine article, Advisor Recommends Early Planning for Medicare. Bob was quoted extensively in this article.
Bob Klein’s article, Longevity Insurance: Annuities for the Long Haul, was published in today’s MarketWatch section of The Wall Street Journal. There’s a lot of confusion among advisers and consumers alike when it comes to longevity insurance. Although it’s promoted as such, longevity insurance isn’t a product in and of itself.
(CHICAGO) Bob Klein gained enhanced education on a variety of retirement income planning topics from some of the word’s foremost experts at the 2013 Retirement Income Summit held May 13 – 14 in Chicago.
The event was the seventh annual conference developed by the editors of InvestmentNews. Its goal was to provide solutions to help advisers navigate today’s market challenges. The agenda was comprehensive, with topics including planning for healthcare, long-term care, retirement benefits, retirement income strategies, and Social Security. Ken Dychtwald, PhD and founder of Age Wave, presented the well-received keynote session, “The New Retirement Landscape.”
Bob Klein’s article, Do You Know Your Medicare A, B, C, D’s?, was published in today’s MarketWatch section of The Wall Street Journal. Although Medicare benefits generally kick in at age 65 for most people, it’s a good idea to familiarize yourself with, and begin to plan for, the various services offered by this comprehensive government health insurance program several years in advance as part of your retirement income planning.
Bob Klein’s article, Backdoor Roth RIA Conversion: Tax Free?, climbed to #4 “Most Popular” in today’s MarketWatch section of The Wall Street Journal and #1 “Most Popular in Retirement,” racking up over 25,000 views in one day.
Bob Klein’s article, Backdoor Roth RIA Conversion: Tax Free?, was published in today’s MarketWatch section of The Wall Street Journal. When you make a nondeductible contribution to a traditional IRA and you immediately convert it to a Roth IRA, don’t assume that 100% of the conversion is nontaxable.
Bob Klein’s retirement income planning expertise was featured in the Financial Advisor Magazine article, Social Security is The Best “Annuity” Deal, Say Experts. Bob was quoted extensively in this article.
Bob Klein’s article, RMD: A Sensible Systematic Withdrawal Plan, was published in today’s MarketWatch section of The Wall Street Journal. Although not a traditional systematic withdrawal plan, RMD’s are a sensible, easy-to-maintain retirement income planning strategy that can be used in conjunction with other income sources to provide a solid retirement income floor in many situations, preserve assets for unforeseen events, and provide for a potential legacy.
Bob Klein’s article, Deductible Medical Plans Make More Sense article was published in today’s MarketWatch section of The Wall Street Journal. With skyrocketing health care premiums and the increase in the medical threshold from 7.5% to 10%, HSA plans fill a niche in a retirement income plan since they offer several benefits than can enhance the longevity of a plan.
Bob Klein’s article, Protecting Mom, Protects You article was published in today’s MarketWatch section of The Wall Street Journal. Under a little-known law that has been enacted in 30 states to date, you can be held financially responsible for your parent’s nursing home and other long-term care bills.
Bob Klein’s article, Women to Pay More for Long-Term Care Insurance article was published in today’s MarketWatch section of The Wall Street Journal. One of the more significant long-term care planning windows of opportunity is about to close in the next few months.
Bob Klein’s weekly Wall Street Journal column as a contributing MarketWatch RetireMentor is off to a quick start. Bob’s four articles have had a total of over 25,700 views to date, with Bob’s most recent article, What’s Your Retirement Income Number, recording over 9,300 views.
Bob Klein’s article, What’s Your Retirement Income Number?, was published in today’s MarketWatch. Instead of asking, “What’s my number?,” we should rephrase the question as, “What’s my income number?”
Bob Klein’s article, Is Your Retirement Tied to Your Adviser’s Bias?, was published in today’s MarketWatch. This is Bob’s third article as a RetireMentors contributor.
Bob Klein’s article, Forget-Me-Nots: Valentines & Retirement, was published in today’s MarketWatch. This is Bob’s second article as a RetireMentors contributor.
Bob Klein’s initial article as a RetireMentors contributor, Dow 14,000 Redux: What’s Different?, soared to the #1 position as the “Most Popular in Retirement” article on its first day of publication in the popular online MarketWatch section of The Wall Street Journal on Tuesday. Featured on the front page for much of the day, it had over 11,000 views the first day, with the total ironically hitting 14,000 on Wednesday, and exceeding 14,500 by the end of the day.
Bob Klein was quoted extensively in the “Possible Reasons” section in Linda Koco’s GMIB Puzzle: Annuitization Rates Did Not Spike article published in today’s AnnuityNews.
Bob Klein’s article, Dow 14,000 Redux: What’s Different? was published in today’s MarketWatch.
Bob Klein was accepted as a RetireMentor today. The RetireMentors is a section of MarketWatch.com that is part of the online Wall Street Journal that features insight, opinion and conversation from financial-services professionals who’ve been working to steer investors toward a comfortable and secure retirement. RetireMentors showcases financial advisers, 401(k) consultants and managers, researchers and analysts, and other industry veterans with down-in-the-trenches experience in all things retirement-related.
(LAS VEGAS) Bob Klein gained enhanced education on investments, insurance, tax, estate, retirement and elder planning from some of the world’s foremost experts on those issues at the Advanced Personal Financial Planning Conference held January 20-23 in Las Vegas.
The conference is hosted annually by the American Institute of CPAs and provides CPA personal financial planners and other professionals with new tools, techniques and information that can help clients achieve their financial goals. This year’s conference was especially timely, coming just days after passage of the American Taxpayer Relief Act.
Bob Klein was quoted at the bottom of Mary Beth Franklin’s IRS’ New Definitions of ‘Income’ a Migraine Starter Kit article in today’s InvestmentNews.
Bob Klein was quoted at the beginning and end of Robert Powell’s Now is the Time for Tax-Efficient Investments article in today’s Wall Street Journal. There were also two direct links to Retirement Income VisionsTM January 7, 2013 blog post, The 2013 Tax Law Schizophrenic Definition of Income – Part 1 of 2.
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