Jamie Hopkins
Forbes
Philadelphia, PA, United States
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Past articles by Jamie:
What Almost Everyone Gets Wrong About The Retirement Distribution 4% ‘Rule’
Let’s talk about the “4% rule,” originally from Bill Bengen’s seminal retirement distribution strategy research published in in 1994. It was never meant as a rule, but a backward looking finding. → Read More
Roth IRAs And Other Alternative Approaches To Emergency Savings
Having money for those rainy-day events is crucial for Americans and their financial situations. → Read More
3 Retirement Planning Steps To Take Before 2020 Ends
Despite new challenges brought on by COVID-19 in 2020, retirement planning remains a core part of financial security. All retirement planning is deeply personal. It is not just about saving money, reducing taxes, or having money that lasts a lifetime. → Read More
Help clients overcome these 3 common emotional biases
Amid the market volatility, it's important to remind them to keep their long-term goals in focus when making short-term decisions. → Read More
SECURE Act creates wrinkle for annuities in inherited IRAs
The end of the stretch provision requires that accounts be distributed within 10 years after the owner’s death → Read More
9 ways advisers can add value for clients
As consolidations continue and fee compression becomes a threat to status quo services, advisers need to be cognizant of the value they can add for clients → Read More
Mitigating the 3 common conflicts of AUM fiduciaries
Advisers who use an assets-under-management model should lead with planning and do what’s in the best interest of their clients at all turns. → Read More
Congress Set To Pass SECURE Act At Last Minute, Impacting Retirement Planning And Increasing Taxes
The most important provision of the SECURE Act – removal of the stretch RMD provisions – is a tax revenue generator, meaning a tax hike on many Americans. → Read More
What the SECURE Act means for annuities
Measure's provisions are a big win for annuity providers and those who see the need for more lifetime income options in retirement plans. → Read More
3 advantages of using fixed indexed annuities in retirement
Research has shown FIAs can outperform bonds, making them a solid bond alternative. → Read More
Three Roth conversion traps that should be avoided
Advisers need to be aware of conversion rules so not to cause extra headaches. → Read More
Who's Helped By Federal Interest Rates Cut? Start With Millennials
The Fed rate cuts can be both a positive and a negative. For younger workers, the rate cuts could be a positive boost to their borrowing and debt management. → Read More
3 aspects of retirement affected by divorce
Rising rate of gray divorce in the U.S. requires financial advisers to understand different planning strategies → Read More
What 'Avatar' and 'Avengers: Endgame' can teach advisers about what clients want
To survive technological disruption in financial advice, planners can learn a few lessons from high-grossing movies that continue to draw customers into theaters. → Read More
8 Major Ways The SECURE Act Could Impact Your Retirement Plan
The SECURE Act would be the first real major retirement legislation since the Pension Protection Act in 2006. While the bill has essentially 29 new provisions, it really falls short on making retirement more "secure" for Americans as basically every major retirement issue is untouched in bill. → Read More
Three Retirement Planning Needs Everyone Has
Retirement is too often looked at as a purely financial decision and the need and wants of a retiree are often forgotten. Retirees save for retirement so they can meet their needs and enjoy a finically independent and happy lifestyle. → Read More
One retirement risk few people talk about
Senior depression is often overlooked when financial advisers consider hurdles their clients may face as they age. → Read More
When to do a retirement-plan rollover, and when to avoid it
Advisers should start with the presumption that the account should stay put, unless they can prove the benefit of moving it. → Read More
How behavioral technology will improve retirement planning
As tech starts to track what clients actually do, report back and personalize their experience, planning processes and the client experience will advance. → Read More
How to handle a client with low risk tolerance
If loss aversion is high, here's how an adviser can approach the situation and make up for lower long-term investment gains. → Read More