Bird's eye view of three sets of hands holding a white piggy bank surrounded by financial icons

Individual Retirement Accounts (IRAs), which hold over half of total private retirement assets, were introduced as a way for workers without an employer-sponsored plan to save for retirement in a tax-advantaged account.  Instead, they have been primarily used as a vehicle for rollovers from employer-sponsored plans, with direct contributions…

Stethoscope on the dollars

Even the best-laid plans can go awry.  Retirees face the risk of a large healthcare spending shock for medical or long-term care (LTC) either because their health insurance involves significant cost sharing or because they lack insurance entirely in the case of LTC…

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Phone with a fraud alert on it

COVID and technological advances have created a perfect storm of fraud against older Americans. Between 2019 and 2023, the number...

Check from U.S. Treasury with cash and social security card

The claims of widespread fraud don’t hold water. Elon Musk, on the “Joe Rogan Experience,” reiterated the claim that the...

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The medium- and long-term effects of the COVID-19 pandemic are of continued interest to policymakers, advocates, and academics.  Given the importance of health in decisions to work, earn, and eventually claim OASI benefits, COVID may have long-term effects on programs SSA administers even well after the official end of the pandemic…

One aspect of the pandemic that has persisted is the increased relevance of remote work.  This shift could help older people with disabilities, who might otherwise find it hard to get or keep jobs.  Indeed, this group has a higher employment rate post-pandemic than pre-pandemic…

Many who are familiar with state and local government finances are concerned that rising pension contributions could be crowding out important government services. And, some academic literature does find that higher pension contributions are associated with reduced employment in local governments and school districts. The issue is particularly acute for school districts, which must maintain…

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Rethinking65

If your conversations about long-term-care costs and risks aren’t candid enough, you may not be getting through to clients.

Elderly people measuring their pulse with their fingertips at a long-term care facility

If you think you’ve saved enough for retirement, you may not be thinking about long-term care.