Publications
Publications
Latest Articles
The Impact of Certification on a Financial Advisor's Success
Research on 2,160 financial advisors: how Institute-certified professionals compare on team AUM, income, and high-net-worth clients. 2025 ...
Rethinking Private Markets Liquidity in DC Plans
How DC plans manage liquidity for private market allocations in target-date funds: participant vs. plan-level liquidity, RMDs, and a ...
Expanding the Toolkit
The case for alternative investments in 401(k) and DC plans: why private credit comes first and how target-date funds and stable value ...
Are Widows More Comfortable Spending Income than Assets?
New research for financial advisors: widows spend nearly every dollar of lifetime income but underspend from savings. What it means for ...
Planning for the Widow's Penalty
How the widow's penalty raises taxes and Medicare IRMAA for surviving spouses, and what financial advisors can plan for well before the ...
Social Security as a Singular Asset
A Social Security claiming framework for advisors serving affluent clients: value benefits at the TIPS rate, stress-test insolvency, and ...
Why Social Security Moved Away from Break-Even Analysis for Claiming Decisions
Why the Social Security Administration stopped showing break-even ages, and what financial advisors should weigh instead when clients ...
Beyond Decumulation
A retirement income planning process for financial advisors: plan, allocate, distribute, monitor and adjust, with notes on the 4% rule, ...
Lost for Words
Research for financial advisors on retirement conversations: what 3,000+ people told their future selves, and what 2,781 advisor meetings ...
Shift Happens in Retirement
Retirement income research for financial advisors: Social Security claiming, the widow's penalty, a four-step income process, and private ...
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