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- Indexed articles, last 90 days
- 45
- Latest publication
- Sep 30, 2026
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- Jul 6, 2026
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Researchers challenge the 4% retirement rule with a 'flexible 3%' alternative (opens the original)
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Less may be more when it comes to retirement withdrawals, according to new research. For decades, the rule to withdraw 4% of a portfolio has served as a baseline for retirement planning. But in a recent paper, Butler University researchers Steven Dolvin and Bryan Foltice argue that a "flexible 3%" rule could produce better outcomes by combining a fixed, inflation-adjusted baseline withdrawal with performance-based withdrawals. Foltice said he was partly inspired to look into the topic by the fin
Why advisors should get involved when clients take out a mortgage (opens the original)
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Homebuyers often accept the first mortgage quote they receive, potentially leaving thousands of dollars on the table. Financial advisors can help clients learn how to shop for better rates while integrating mortgage decisions into broader financial planning. "Even though we're not going to be part of the signing process, we can be part of the education process," said Alicia Fuller, founder and managing director of Naples, Florida-based Coastal 360 Capital Advisors, which partners with registered
Navigating the pitfalls and perks of private-placement life insurance (opens the original)
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Advisors of ultrawealthy clients could tap into a type of life insurance that has significant tax benefits, but the situation has to be just right. Private-placement life insurance is a type of variable universal life insurance that allows excess premiums to grow with the policy's cash value. Interest and gains are tax-deferred, and policy owners can direct allocation to investments, with more choices than typical variable universal life policies. Also, beneficiaries aren't taxed on income they
Why advisors are rethinking entity structures for clients — and maybe themselves (opens the original)
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Small business owner clients weighed the pros and cons and organized their businesses as corporations, partnerships or some other entity when they started. But laws enacted over the last decade should have advisors talking to those clients about the right fits today. The tax law enacted in July 2025 changed the equation for business entity selection. The temporary Section 199A deduction of 20% off qualified business income for passthrough business owners that was part of the 2017 tax law was mad
The estate-tax trap that lurks below the federal exemption (opens the original)
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Financial advisors focusing on the federal estate tax exemption may overlook a significant planning risk: State estate taxes can apply at far lower asset levels and create costly surprises for clients who own homes or split time in multiple states. While the federal estate tax exemption is $15 million per person, some states impose estate taxes at much lower thresholds. New York's estate tax cliff begins at $7.35 million for 2026, while Oregon's exemption is $1 million. Most states, including Ca
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